학자금대출제도는 대학(원) 신입생 및 재학생의 학비 부담을 줄여 학업에 전념하도록 하기 위한 학자금 지원정책 제도에 대한 올바른 이해가 바탕이 될 때 학자금 대출제도의 혜택을 보다 효과적으로 누리고 활용할 수 있습니다.
학자금은 대학(원)이 통보한 등록금 및 학생의 생활안정을 위한 생활비로 구분 등록금 : 입학금 + 수업료 등(기숙사비 제외) 생활비 : 숙식비 + 교재구입비 + 교통비 등
학자금대출제도 종류 취업 후 상환 학자금대출 : 연간소득금액이 상환기준소득을 초과하거나, 상속·증여재산이 발생한 경우 일정금액을 의무적으로 상환 일반 상환 학자금대출 : 거치기간 동안 이자 납부 후 상환기간 동안 원리금(원금+이자) 상환 농촌출신대학생 학자금융자 : 조건별 최장 기간 내 원금균등분할상환
학자금대출 일정
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)
2020학년도 1학기 주요 사항
학자금 대출 금리 인하(2.2%→2.0%) [국정과제] ▪ 대학생의 학자금 대출이자 부담 경감을 위해 ’20학년도 1학기 대출금리를 2.0%로 직전학기 대비 0.2%p 인하 ※ (국정과제 49) 유아에서 대학까지 교육의 공공성 강화-대학등록금 및 주거부담 경감-학자금 대출이자 부담 경감
일반 상환 학자금대출 지연배상금 부과체계 개편 ▪ (개선배경) 최근 금융권의 지연배상금 부과체계 및 연체가산금리 인하 등을 고려하여 재단의 지연배상금 부과체계 개편 필요 ▪ (개선내용) 일반 상환 학자금대출 지연배상금 부과체계를 기존 단일금리(6%)에서 ‘대출금리 + 연체가산금리(2.5%)’ 형태로 개편(’20-1학기 신규대출분부터 적용)
학자금 대출정보 부모 통지 확대 ▪ (개선배경) 학자금대출의 목적 외 사용 및 무분별한 대출 방지를 위해 대출정보의 부모 통지 확대 필요 ▪ (개선내용) 학자금 대출정보의 부모 통지 대상을 기존 ’19학년도 입학 학부생에서 ’20학년도 입학 학부생까지 확대 ※ 단, 기혼자, 부모로부터 독립이 예상되는 만 30세 초과자 등은 제외
생활비대출 한도 내 횟수제한 폐지 ▪ (개선배경) 생활비대출 한도 내 횟수제한으로 대출을 받지 못하는 사례 방지 및 수요자 중심의 자율적 대출 이용 환경 조성을 위해 횟수제한(현행 4회) 폐지 필요 ▪ (개선내용) 학기당 150만원 한도금액(1회 최소 10만원 이상 대출) 내에서 횟수 제한 없이 분할 대출 허용 ※ 단, ’20. 2월까지는 기존 횟수제한(4회)을 적용하고 ’20. 3월부터 횟수제한 폐지
학자금대출 모바일 앱을 활용한 대출 실행 가능 ▪ (개선배경) 학자금대출자 접근성 강화 및 고객편의 증진을 위한 기능 확대 ▪ (개선내용) 모바일어플리케이션을 통해 학자금대출 ‘신청’만 가능하였으나, ’20학년도부터 대출 ‘실행’까지 가능하도록 개선 ※ 한국장학재단 앱>학자금대출>대출실행(신청현황)에서 심사 결과 확인 및 실행 가능
기타 자세한 사항은 한국장학재단 홈페이지 및 붙임 자료 참조
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