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to New Mexico, in April, 2017.
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The crux of the issue are federal income-based repayment plans, which allow just about all of the roughly 42 million borrowers with federal student loans to make monthly payments based on how much they can afford, rather than how much they owe.
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If lenders modify the loans they offer to avoid coverage by the rule, some consumers who would otherwise be able to borrow from those lenders may not be able to do so.
My paycheck has been used to make bill payments, my part of the rent (I have a roommate), food and cable, and little else.
Finally, regardless of their financial situation, research suggests consumers may generally have unrealistic expectations about their future earnings, their future expenses, and their ability to save money to repay future obligations.