Student loan payments may affect how much people are able to save for retirement, but starting January 1, 2024.

作者：坦南特‧曼斯菲爾德，2024年1月1日

學生貸款還款可能會影響人們退休儲蓄的金額，但從 1 月 1 日起。

Student loan payments may affect how much people are able to save for retirement, but starting January 1, 2024, there will be a significant change that could alleviate some of the burden. This change comes in the form of the Retirement Parity for Student Loans Act, which aims to provide relief to individuals who are simultaneously repaying their student loans while trying to save for retirement.

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學生貸款一直是許多人，尤其是剛開始職業生涯的年輕人的一大財務負擔。每月償還貸款的壓力會嚴重限制他們向退休儲蓄帳戶（例如401(k)計劃或個人退休帳戶IRA）供款的能力。這會導致他們的退休準備出現潛在缺口，並延緩他們為未來建立穩固財務基礎的能力。

《學生貸款退休平等法案》旨在彌補這一差距，允許雇主根據員工的學生貸款還款額，向其退休帳戶繳納等額的匹配繳款。這意味著，即使個人無力自行繳款，他們仍然可以獲得雇主的退休儲蓄繳款。這有望顯著增強他們的長期財務保障，並幫助他們彌補退休儲蓄的缺口。

從2024年起，雇主可以選擇為每月償還學生貸款的員工的退休帳戶提供等額繳款。等額繳款的金額將根據員工的貸款償還比例而定。例如，如果員工將收入的10%用於償還學生貸款，雇主可以選擇將這10%中的一部分存入員工的退休儲蓄帳戶。

這項新法案認識到學生貸款可能給個人帶來的經濟壓力，旨在為他們提供一定的幫助，同時又不損害他們未來的退休保障。透過允許雇主根據貸款償還情況進行配對繳款，該法案鼓勵個人即使背負貸款債務也能繼續為退休儲蓄。

It is important to note that this legislation does not replace the need for individuals to actively save for retirement. While the matching contributions can provide some assistance, it is still crucial for individuals to contribute as much as they can towards their retirement accounts. This can be achieved by creating a budget, cutting unnecessary expenses, and prioritizing saving for the future.

In conclusion, starting January 1, 2024, the Retirement Parity for Student Loans Act will provide individuals with a new opportunity to save for retirement while simultaneously repaying their student loans. This legislation acknowledges the financial strain that loans can have and aims to bridge the gap in retirement readiness. It is crucial for individuals to take advantage of this opportunity and actively prioritize saving for their future. By doing so, they can ensure a more secure and financially stable retirement.