住宅ローンの返済に困った際の相談窓口

大学を卒業しても、思ったような就職先がなくて、奨学金が返済できないという人が少なくありません。この場合、奨学金の事務局に返済の相談をしてみることが大切です。免除規定はありますが、条件が厳しくて事実上適用できないと考えた方がいいです。それより、正直に現状を説明し、返済額を減額したりしてもらう相談が効果的です。
とはいえ、必ずしも自分の思ったとおりに減額できるとは限りません。場合によっては減額に応じてもらえないともありますし、就職できなかった人であれば収入がないので返済などそもそも無理なのです。無理にアルバイト等をして返済をしても、仕事がいつまで続くかわからない不安定な身分では将来の見通しも立ちません。それより、返済を繰り延べてもらい専門学校等で専門教育を受けることで再就職先を探す方が先決でしょう。
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あまりお勧めはできませんが、債務整理も一つの選択肢です。他に借金がなければ奨学金だけを債務整理対象とし、弁済額のカットや長期繰延を交渉することが可能です。場合によっては自己破産をして奨学金自体を免除させてしまう荒業も考えられます。しかし、この方法を取った場合、奨学金を勧めてくれた高校や大学の信用に傷をつけることになります。何らかの推薦状を書いてもらったのであれば、その人の推薦状は今後効果がなくなるでしょう。迷惑をかける相手は奨学金だけではないのです。
しかし、最近の弁護士会では奨学金制度の問題点を指摘して、返済が本当に困難である人に対しては、自己破産等の債務整理をさせるべきではないかという意見が増えています。なぜなら、奨学金の免除規定があまりに硬直的で、現在の社会情勢に合っていないからです。本当に必要な人に対して免除規定を作らないのであれば、半強制的に免除させればいいという話です。

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