00:00Your student loan balance is growing because you are making every single payment exactly on time.
00:05You are trapped in a mathematical loop that was built to benefit the lender.
00:10Income-based repayment plans allow your monthly bill to drop far below the actual interest charge.
00:16This creates a mathematical gap where unpaid interest is added directly back into your principal.
00:21This specific mathematical trap is called negative amortization and it turns debt into permanent taxes.
00:28When your monthly payment fails to cover the interest, that unpaid balance joins your principal.
00:34Next month, you are paying interest on interest that was supposed to be covered.
00:39The federal system markets these plans as relief while they compound your debt into infinity.
00:44Most borrowers will never touch their original principal balance despite paying for over 20 years.
00:50This creates a predictable stream of federal revenue extracted directly from your future earning potential.
00:57While you struggle to buy a home, your growing debt serves as a guaranteed federal asset.
Yorumlar