{"id":20669,"date":"2026-01-20T03:25:00","date_gmt":"2026-01-20T03:25:00","guid":{"rendered":"https:\/\/chicagodesavanja.us\/americka-administraija-privremeno-obustavlja-zaplenu-plata-zbog-studentskih-kredita\/"},"modified":"2026-01-20T03:25:00","modified_gmt":"2026-01-20T03:25:00","slug":"americka-administraija-privremeno-obustavlja-zaplenu-plata-zbog-studentskih-kredita","status":"publish","type":"post","link":"https:\/\/chicagodesavanja.us\/en\/vesti\/americka-administraija-privremeno-obustavlja-zaplenu-plata-zbog-studentskih-kredita\/","title":{"rendered":"Administracija Donalda Trump-a privremeno obustavlja zaplenu plata zbog studentskih kredita"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Presidential administration <strong>Donald Trump<\/strong>-a donela je odluku o <strong>privremenoj obustavi zaplene plata<\/strong> (wage garnishment) za gra\u0111ane koji kasne sa otplatom <strong>federalnih studentskih kredita<\/strong>, \u0161to donosi kratkoro\u010dno olak\u0161anje milionima Amerikanaca suo\u010denih sa finansijskim pritiscima.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ovu meru potvrdio je <strong>U.S. Department of Education<\/strong>, koji je nalo\u017eio partnerima za naplatu dugova da <strong>obustave nove i postoje\u0107e zaplene zarada<\/strong> dok se sprovodi revizija daljih koraka u sistemu studentskih kredita.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0160ta je zaplena plata i za\u0161to je pauzirana?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zaplena plata omogu\u0107ava saveznoj vladi da <strong>bez sudskog naloga<\/strong> oduzme deo mese\u010dne zarade zajmoprimca kada studentski kredit pre\u0111e u status neizmirenog duga. Ova praksa se godinama koristi kao jedno od najagresivnijih sredstava naplate, \u010desto dodatno ote\u017eavaju\u0107i polo\u017eaj ljudi koji su ve\u0107 u finansijskim problemima.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Privremena obustava ima za cilj da <strong>spre\u010di dodatnu ekonomsku \u0161tetu<\/strong> dok se razmatraju procedure, za\u0161tita zajmoprimaca i mogu\u0107i propusti u sistemu naplate. Prema izjavama zvani\u010dnika, mera je uvedena i kako bi se smanjio broj administrativnih gre\u0161aka koje su u pro\u0161losti dovele do spornih ili neosnovanih zaplena.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ko ima koristi od ove odluke?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pauza se odnosi <strong>isklju\u010divo na federalne studentske kredite<\/strong> i ne obuhvata privatne zajmove, koji podle\u017eu drugim zakonima. Za one kojima je plata ve\u0107 bila umanjivana, efekat je trenutan \u2013 <strong>isplate bi trebalo da se vrate na puni iznos<\/strong> tokom trajanja ove mere.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ipak, va\u017eno je naglasiti da:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>dug <strong>nije opro\u0161ten<\/strong><\/li>\n\n\n\n<li>kamate mogu i dalje da se obra\u010dunavaju<\/li>\n\n\n\n<li>zajmoprimci ostaju u statusu neizmirenog duga<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Tako\u0111e, druge mere naplate, poput <strong>zaplene poreskog povra\u0107aja<\/strong> ili umanjenja <strong>Social Security<\/strong> beneficija, mogu i dalje biti primenjivane ako nisu posebno obustavljene.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Koliko \u0107e pauza trajati?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Administracija jo\u0161 nije saop\u0161tila <strong>ta\u010dan vremenski okvir<\/strong> trajanja ove mere, niti da li \u0107e ona dovesti do trajnih promena politike. Zvani\u010dnici isti\u010du da je re\u010d o <strong>privremenom olak\u0161anju<\/strong>, dok se procenjuju dugoro\u010dna re\u0161enja za sistem studentskih kredita.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0160ta bi zajmoprimci trebalo da urade sada?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Finansijski stru\u010dnjaci savetuju da se ovaj period iskoristi za razmatranje opcija kao \u0161to su:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>loan rehabilitation<\/strong>, kojim se kredit mo\u017ee izvu\u0107i iz statusa duga nakon dogovorenih uplata<\/li>\n\n\n\n<li><strong>konsolidacija kredita<\/strong>, radi prelaska na novi plan otplate<\/li>\n\n\n\n<li>budu\u0107i <strong>income-driven repayment<\/strong> programi, kada budu dostupni<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Iako pauza donosi predah, analiti\u010dari upozoravaju da bez \u0161ire reforme sistema postoji realna mogu\u0107nost da se <strong>naplata ponovo aktivira<\/strong> nakon njenog isteka.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:10px\">SOURCE: <a href=\"https:\/\/www.marca.com\/en\/lifestyle\/us-news\/personal-finance\/2026\/01\/18\/696cd29646163f8b7f8b457c.html\" target=\"_blank\" rel=\"noopener\">MARCA <\/a>PHOTO: PEXELS<\/p>","protected":false},"excerpt":{"rendered":"<p>Administracija predsednika Donald Trump-a donela je odluku o privremenoj obustavi zaplene plata (wage garnishment) za gra\u0111ane koji kasne sa otplatom federalnih studentskih kredita, \u0161to donosi kratkoro\u010dno olak\u0161anje milionima Amerikanaca suo\u010denih sa finansijskim pritiscima. Ovu meru potvrdio je U.S. Department of Education, koji je nalo\u017eio partnerima za naplatu dugova da obustave nove i postoje\u0107e zaplene zarada [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":14363,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"wpai_generated_summary":"","footnotes":""},"categories":[368,369],"tags":[538,13402,11473,13403,13404,13405,13406,13407,13408],"class_list":["post-20669","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vesti-amerika","category-vesti","tag-amerika","tag-department-of-education-sad","tag-donald-trump-administracija","tag-dug-studentskih-kredita","tag-federalni-studentski-zajmovi","tag-otplata-studentskih-zajmova","tag-studentski-krediti-sad","tag-wage-garnishment-pause","tag-zaplena-plata-studentski-kredit"],"_links":{"self":[{"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/posts\/20669","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/comments?post=20669"}],"version-history":[{"count":0,"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/posts\/20669\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/media\/14363"}],"wp:attachment":[{"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/media?parent=20669"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/categories?post=20669"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/tags?post=20669"}],"curies":[{"name":"WP","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}