{"id":250,"date":"2023-08-24T08:00:00","date_gmt":"2023-08-24T01:00:00","guid":{"rendered":"https:\/\/testmaster.online\/blog\/?p=250"},"modified":"2023-08-24T00:12:56","modified_gmt":"2023-08-23T17:12:56","slug":"how-student-loan-works","status":"publish","type":"post","link":"https:\/\/testmaster.online\/blog\/how-student-loan-works\/","title":{"rendered":"How Student Loan Works"},"content":{"rendered":"\n
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Going to college in the US costs a pretty penny. According to Forbes, the tuition fee for college has grown by 180% in the span of 40 years, going from $10,231 annually in 1980 to $28,775 in 2020. And for most US college graduates, the only way they can afford their degree is to take out a student loan, which will likely follow them far beyond their graduation. Federal Student Aid reports that in 2022, 43.5 million US citizens have federal student loans.<\/p>\n\n\n\n

If a graduate follows the standard federal loan repayment plan, it would take ten years of monthly payments to pay off their debt. But the time it takes as well as the amount paid to be free of student loan debt also depend largely on the debtor’s income. This is largely due to amortization. When you pay student loan debts, you pay the principal, the amount of money you borrowed to go to college, as well as interest, the percentage you have to pay the bank to even have this loan. Banks have to make money too, after all. And to ensure the bank doesn’t lose their money, interest is paid before the principal. This could mean that even though you pay every month, you’d only be paying the interest, not the principal.<\/p>\n\n\n\n

For example, John has $30,000 in student loan debt with a 5% interest rate. Before any payment is made, John’s balance is $30,000. Divided equally over 10 years, he would have to pay $318.20 each month. When John’s check enters the bank, $125 goes to interest, and the remaining $193.20 goes to his principal. Now his balance is $30,000 minus $193.20 (starting balance minus that month’s principal payment), equal to $29,806. The interest rate in amortization is calculated as Balance x (interest divided by the amount of payment in a year). With an interest rate of 5% and monthly payments 12 times a year, John’s interest rate for next month would be $29,806 x (5%\/12), which is equal to $124.20. As time goes on, John pays less towards interest and more towards his principal. This continues until his balance reaches $0 and he’s free of student loan debt.<\/p>\n\n\n\n

But what if John can’t afford to pay $318.20 monthly? Then he can use a different financing plan that is income-based. John now makes a payment of $80 per month with the same Balance and interest rate. But $80 isn’t enough to even pay off his $125 interest, and no money goes to his principal. As a result, John’s balance has actually increased because his principal payment for that month was $0 and he still owes the bank the $45 in interest his payment couldn’t cover. So now John’s balance is $30,045. Not only that, John’s interest rate for next month has also gone up to $125.23. If he makes the same payment the following month, his interest and balance will continue to rise.<\/p>\n\n\n\n

This program is only set up to last for 20 to 25 years. After that time span, all of John’s unpaid debt would be forgiven, meaning that he wouldn’t have to pay it anymore. However, the US Government Accountability Office found that only 11% of borrowers in John’s situation are eligible to be forgiven. The rest have to keep paying. For a lot of Americans, this weight is heavy and chains them back from life milestones such as getting married, buying a house, or starting a family since all of those actions are expensive both short-term and long-term. Going to college is seen as the most sure-fire way to get a good job and a stable life. Yet many graduates are being financially punished for going into higher education. Some think that the price of a degree is another barrier preventing more people from entering the workforce as skilled laborers, resulting in a hindrance to economic growth.<\/p>\n\n\n\n

In 2020, during the midst of the pandemic, there was a pause on federal student loan debt payments to relieve economic pressure on US households. The interest rate on the debt was also set to 0%. On August 30th, 2023, the pause will be lifted, and interest rates will return to what they were initially.<\/p>\n\n\n\n

President Biden’s student loan forgiveness plan, announced last August, aims to improve the way student loan debts are handled. Any unpaid interest would be forgiven so that the balance doesn’t go up. Meaning that if John made an $80 payment, he would not have to pay the $45 of leftover interest; it wouldn’t be counted in his balance. The plan also aims to partially cancel student loan debt for over 43 million US citizens, costing an estimated $400 billion. However, the Supreme Court has ruled that President Biden doesn’t have the authority to go ahead with this plan. In a speech on July 1, 2023, President Biden announced a new path for his goal of relieving student loan debt for as many Americans as possible. Though this approach may take longer, President Biden assures that he’s “directing his team to move as quickly as possible.”<\/p>\n\n\n\n

Kho\u1ea3n vay sinh vi\u00ean ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o?<\/h1>\n\n\n\n
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\u0110i du h\u1ecdc \u1edf Hoa K\u1ef3 t\u1ed1n r\u1ea5t nhi\u1ec1u ti\u1ec1n. Theo Forbes, h\u1ecdc ph\u00ed \u0111\u1ea1i h\u1ecdc \u0111\u00e3 t\u0103ng 180% trong kho\u1ea3ng th\u1eddi gian 40 n\u0103m qua, t\u1eeb 10.231 \u0111\u00f4 la m\u1ed7i n\u0103m v\u00e0o n\u0103m 1980 l\u00ean 28.775 \u0111\u00f4 la v\u00e0o n\u0103m 2020. V\u00e0 \u0111\u1ed1i v\u1edbi ph\u1ea7n l\u1edbn sinh vi\u00ean t\u1ed1t nghi\u1ec7p \u0111\u1ea1i h\u1ecdc \u1edf Hoa K\u1ef3, c\u00e1ch duy nh\u1ea5t \u0111\u1ec3 c\u00f3 \u0111\u1ee7 ti\u1ec1n tr\u1ea3 h\u1ecdc ph\u00ed l\u00e0 vay Student Loan; kho\u1ea3n vay n\u00e0y c\u00f3 \u0111i theo h\u1ecd d\u00e0i xa sau khi h\u1ecd t\u1ed1t nghi\u1ec7p. Federal Student Aid b\u00e1o c\u00e1o r\u1eb1ng v\u00e0o n\u0103m 2022, c\u00f3 43,5 tri\u1ec7u c\u00f4ng d\u00e2n Hoa K\u1ef3 c\u00f3 kho\u1ea3n vay Student Loan t\u1eeb ch\u00ednh ph\u1ee7.<\/p>\n\n\n\n

N\u1ebfu m\u1ed9t ng\u01b0\u1eddi t\u1ed1t nghi\u1ec7p tu\u00e2n theo k\u1ebf ho\u1ea1ch tr\u1ea3 n\u1ee3 ti\u00eau chu\u1ea9n c\u1ee7a ch\u00ednh ph\u1ee7 li\u00ean bang, h\u1ecd s\u1ebd m\u1ea5t m\u01b0\u1eddi n\u0103m \u0111\u1ec3 tr\u1ea3 h\u1ebft n\u1ee3 qua c\u00e1c kho\u1ea3n thanh to\u00e1n h\u00e0ng th\u00e1ng. Tuy nhi\u00ean, th\u1eddi gian v\u00e0 s\u1ed1 ti\u1ec1n tr\u1ea3 \u0111\u1ec3 tho\u00e1t kh\u1ecfi n\u1ee3 Student Loan c\u0169ng ph\u1ee5 thu\u1ed9c l\u1edbn v\u00e0o thu nh\u1eadp c\u1ee7a ng\u01b0\u1eddi m\u01b0\u1ee3n ti\u1ec1n. \u0110i\u1ec1u n\u00e0y ch\u1ee7 y\u1ebfu do “amortization.” Khi b\u1ea1n tr\u1ea3 n\u1ee3, b\u1ea1n tr\u1ea3 c\u1ea3 s\u1ed1 g\u1ed1c, t\u1ee9c l\u00e0 s\u1ed1 ti\u1ec1n b\u1ea1n vay \u0111\u1ec3 \u0111i h\u1ecdc \u0111\u1ea1i h\u1ecdc, c\u0169ng nh\u01b0 l\u00e3i su\u1ea5t, t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m b\u1ea1n ph\u1ea3i tr\u1ea3 cho ng\u00e2n h\u00e0ng \u0111\u1ec3 c\u00f3 kho\u1ea3n vay n\u00e0y. Ng\u00e2n h\u00e0ng c\u0169ng c\u1ea7n ki\u1ebfm ti\u1ec1n m\u00e0 th\u00f4i. V\u00e0 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o ng\u00e2n h\u00e0ng kh\u00f4ng m\u1ea5t ti\u1ec1n, l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c tr\u1ea3 tr\u01b0\u1edbc s\u1ed1 g\u1ed1c. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 m\u1eb7c d\u00f9 b\u1ea1n tr\u1ea3 h\u00e0ng th\u00e1ng, b\u1ea1n ch\u1ec9 \u0111ang tr\u1ea3 l\u00e3i su\u1ea5t, kh\u00f4ng ph\u1ea3i s\u1ed1 g\u1ed1c.<\/p>\n\n\n\n

V\u00ed d\u1ee5, John n\u1ee3 30.000 \u0111\u00f4 la v\u1edbi l\u00e3i su\u1ea5t 5%. Tr\u01b0\u1edbc h\u1ebft, Balance c\u1ee7a John l\u00e0 30.000 \u0111\u00f4 la. Chia \u0111\u1ec1u trong v\u00f2ng 10 n\u0103m, anh ta ph\u1ea3i tr\u1ea3 318,20 \u0111\u00f4 la m\u1ed7i th\u00e1ng. Khi ti\u1ec1n c\u1ee7a John \u0111\u01b0\u1ee3c g\u1eedi v\u00e0o ng\u00e2n h\u00e0ng, 125 \u0111\u00f4 la \u0111\u01b0\u1ee3c g\u00f3p v\u00e1o l\u00e3i su\u1ea5t, v\u00e0 s\u1ed1 ti\u1ec1n c\u00f2n l\u1ea1i, 193,20 \u0111\u00f4 la \u0111\u01b0\u1ee3c g\u00f3p v\u00e0o s\u1ed1 g\u1ed1c c\u1ee7a anh ta. B\u00e2y gi\u1edd s\u1ed1 d\u01b0 c\u1ee7a anh ta l\u00e0 30.000 \u0111\u00f4 la tr\u1eeb \u0111i 193,20 \u0111\u00f4 la (Balance ban \u0111\u1ea7u tr\u1eeb \u0111i s\u1ed1 ti\u1ec1n tr\u1ea3 g\u1ed1c trong th\u00e1ng \u0111\u00f3), t\u1ee9c l\u00e0 29.806 \u0111\u00f4 la. L\u00e3i su\u1ea5t trong Amortization \u0111\u01b0\u1ee3c t\u00ednh l\u00e0 Balance x (l\u00e3i su\u1ea5t chia cho s\u1ed1 l\u1ea7n thanh to\u00e1n trong m\u1ed9t n\u0103m). V\u1edbi l\u00e3i su\u1ea5t 5% v\u00e0 c\u00e1c kho\u1ea3n thanh to\u00e1n h\u00e0ng th\u00e1ng 12 l\u1ea7n m\u1ed9t n\u0103m, l\u00e3i su\u1ea5t c\u1ee7a John cho th\u00e1ng ti\u1ebfp theo s\u1ebd l\u00e0 29.806 \u0111\u00f4 la x (5%\/12), t\u1ee9c l\u00e0 124,20 \u0111\u00f4 la. John tr\u1ea3 c\u00e0ng ng\u00e0y c\u00e0ng \u00edt cho l\u00e3i su\u1ea5t v\u00e0 c\u00e0ng nhi\u1ec1u cho s\u1ed1 g\u1ed1c. \u0110i\u1ec1u n\u00e0y s\u1ebd ti\u1ebfp t\u1ee5c cho \u0111\u1ebfn khi Balance c\u1ee7a anh \u1ea5y \u0111\u1ea1t \u0111\u1ebfn 0 v\u00e0 anh \u1ea5y \u0111\u01b0\u1ee3c tho\u00e1t kh\u1ecfi n\u1ee3 vay Student Loan.<\/p>\n\n\n\n

Nh\u01b0ng n\u1ebfu John kh\u00f4ng \u0111\u1ee7 kh\u1ea3 n\u0103ng tr\u1ea3 318,20 \u0111\u00f4 la m\u1ed7i th\u00e1ng th\u00ec anh \u1ea5y c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng m\u1ed9t k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh kh\u00e1c d\u1ef1a tr\u00ean thu nh\u1eadp. John hi\u1ec7n t\u1ea1i ch\u1ec9 c\u00f3 th\u1ec3 tr\u1ea3 80 \u0111\u00f4 la m\u1ed7i th\u00e1ng v\u1edbi c\u00f9ng Balance v\u00e0 l\u00e3i su\u1ea5t. Nh\u01b0ng 80 \u0111\u00f4 la c\u00f2n kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 tr\u1ea3 125 \u0111\u00f4 la l\u00e3i su\u1ea5t, v\u00e0 kh\u00f4ng c\u00f3 xu n\u00e0o \u0111\u01b0\u1ee3c tr\u1eeb v\u00e0o s\u1ed1 g\u1ed1c c\u1ee7a anh \u1ea5y. K\u1ebft qu\u1ea3 l\u00e0 Balance c\u1ee7a John th\u1ef1c t\u1ebf \u0111\u00e3 t\u0103ng l\u00ean v\u00ec s\u1ed1 ti\u1ec1n tr\u1ea3 g\u1ed1c c\u1ee7a anh \u1ea5y trong th\u00e1ng \u0111\u00f3 l\u00e0 0 \u0111\u00f4 la v\u00e0 anh \u1ea5y v\u1eabn n\u1ee3 ng\u00e2n h\u00e0ng 45 \u0111\u00f4 la l\u00e3i su\u1ea5t m\u00e0 anh \u1ea5y kh\u00f4ng th\u1ec3 tr\u1ea3. V\u00ec v\u1eady, s\u1ed1 d\u01b0 c\u1ee7a John b\u00e2y gi\u1edd l\u00e0 30.045 \u0111\u00f4 la. Kh\u00f4ng ch\u1ec9 v\u1eady, l\u00e3i su\u1ea5t c\u1ee7a John cho th\u00e1ng ti\u1ebfp theo c\u0169ng \u0111\u00e3 t\u0103ng l\u00ean 125,23 \u0111\u00f4 la. N\u1ebfu anh \u1ea5y ti\u1ebfp t\u1ee5c tr\u1ea3 c\u00f9ng kho\u1ea3n thanh to\u00e1n trong th\u00e1ng ti\u1ebfp theo, l\u00e3i su\u1ea5t v\u00e0 Balance c\u1ee7a anh \u1ea5y s\u1ebd ti\u1ebfp t\u1ee5c t\u0103ng l\u00ean.<\/p>\n\n\n\n

Ch\u01b0\u01a1ng tr\u00ecnh n\u00e0y ch\u1ec9 \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp \u0111\u1ec3 t\u1ed3n t\u1ea1i trong kho\u1ea3ng t\u1eeb 20 \u0111\u1ebfn 25 n\u0103m. Sau kho\u1ea3ng th\u1eddi gian \u0111\u00f3, to\u00e0n b\u1ed9 s\u1ed1 n\u1ee3 ch\u01b0a tr\u1ea3 c\u1ee7a John s\u1ebd \u0111\u01b0\u1ee3c \u00e2n x\u00e1, c\u00f3 ngh\u0129a l\u00e0 anh \u1ea5y s\u1ebd kh\u00f4ng c\u1ea7n ph\u1ea3i tr\u1ea3 n\u1eefa. Tuy nhi\u00ean, C\u01a1 quan Tr\u00e1ch nhi\u1ec7m Ch\u00ednh ph\u1ee7 Hoa K\u1ef3 \u0111\u00e3 ph\u00e1t hi\u1ec7n ra r\u1eb1ng ch\u1ec9 c\u00f3 11% ng\u01b0\u1eddi vay m\u01b0\u1ee3n trong t\u00ecnh h\u00ecnh gi\u1ed1ng John c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u00e2n x\u00e1. Ph\u1ea7n c\u00f2n l\u1ea1i ph\u1ea3i ti\u1ebfp t\u1ee5c tr\u1ea3 n\u1ee3. \u0110\u1ed1i v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi M\u1ef9, g\u00e1nh n\u1eb7ng n\u00e0y n\u1eb7ng n\u1ec1 v\u00e0 c\u1ea3n tr\u1edf h\u1ecd kh\u1ecfi nh\u1eefng c\u1ed9t m\u1ed1c cu\u1ed9c s\u1ed1ng nh\u01b0 k\u1ebft h\u00f4n, mua nh\u00e0, ho\u1eb7c b\u1eaft \u0111\u1ea7u gia \u0111\u00ecnh v\u00ec t\u1ea5t c\u1ea3 nh\u1eefng h\u00e0nh \u0111\u1ed9ng \u0111\u00f3 \u0111\u1ec1u t\u1ed1n k\u00e9m c\u1ea3 trong ng\u1eafn h\u1ea1n v\u00e0 d\u00e0i h\u1ea1n. \u0110i du h\u1ecdc \u0111\u01b0\u1ee3c coi l\u00e0 c\u00e1ch ch\u1eafc ch\u1eafn nh\u1ea5t \u0111\u1ec3 c\u00f3 m\u1ed9t c\u00f4ng vi\u1ec7c t\u1ed1t v\u00e0 cu\u1ed9c s\u1ed1ng \u1ed5n \u0111\u1ecbnh. Tuy nhi\u00ean, nhi\u1ec1u ng\u01b0\u1eddi t\u1ed1t nghi\u1ec7p l\u1ea1i b\u1ecb tr\u1eebng ph\u1ea1t t\u00e0i ch\u00ednh v\u00ec theo \u0111u\u1ed5i gi\u00e1o d\u1ee5c cao h\u01a1n. M\u1ed9t s\u1ed1 ng\u01b0\u1eddi ngh\u0129 r\u1eb1ng gi\u00e1 c\u1ee7a m\u1ed9t b\u1eb1ng c\u1ea5p l\u00e0 m\u1ed9t r\u00e0o c\u1ea3n kh\u00e1c, ng\u0103n c\u1ea3n nhi\u1ec1u ng\u01b0\u1eddi kh\u00e1c tham gia v\u00e0o l\u1ef1c l\u01b0\u1ee3ng lao \u0111\u1ed9ng nh\u01b0 c\u00f4ng nh\u00e2n chuy\u00ean nghi\u1ec7p, d\u1eabn \u0111\u1ebfn s\u1ef1 tr\u1edf ng\u1ea1i cho s\u1ef1 ph\u00e1t tri\u1ec3n kinh t\u1ebf.<\/p>\n\n\n\n

V\u00e0o n\u0103m 2020, trong th\u1eddi k\u1ef3 \u0111\u1ea1i d\u1ecbch, \u0111\u00e3 c\u00f3 m\u1ed9t s\u1ef1 t\u1ea1m ng\u01b0ng cho vi\u1ec7c tr\u1ea3 n\u1ee3 vay Student Loan t\u1eeb ch\u00ednh ph\u1ee7 nh\u1eb1m gi\u1ea3m \u00e1p l\u1ef1c kinh t\u1ebf cho c\u00e1c h\u1ed9 gia \u0111\u00ecnh \u1edf Hoa K\u1ef3. L\u00e3i su\u1ea5t tr\u00ean n\u1ee3 vay c\u0169ng \u0111\u01b0\u1ee3c \u0111\u1eb7t v\u1ec1 m\u1ee9c 0%. V\u00e0o ng\u00e0y 30 th\u00e1ng 8 n\u0103m 2023, s\u1ef1 t\u1ea1m ng\u01b0ng n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c d\u1ee1 b\u1ecf v\u00e0 l\u00e3i su\u1ea5t s\u1ebd tr\u1edf l\u1ea1i nh\u01b0 ban \u0111\u1ea7u. <\/p>\n\n\n\n

K\u1ebf ho\u1ea1ch \u00e2n x\u00e1 n\u1ee3 vay Student Loan c\u1ee7a T\u1ed5ng th\u1ed1ng Biden, \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 v\u00e0o th\u00e1ng T\u00e1m n\u0103m tr\u01b0\u1edbc, nh\u1eb1m c\u1ea3i thi\u1ec7n c\u00e1ch x\u1eed l\u00fd n\u1ee3 vay Student Loan. L\u00e3i su\u1ea5t ch\u01b0a \u0111\u01b0\u1ee3c thanh to\u00e1n s\u1ebd \u0111\u01b0\u1ee3c \u00e2n x\u00e1 \u0111\u1ec3 Balance kh\u00f4ng t\u0103ng l\u00ean. \u0110i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0 n\u1ebfu John tr\u1ea3 80 \u0111\u00f4 la, anh ta s\u1ebd kh\u00f4ng ph\u1ea3i tr\u1ea3 45 \u0111\u00f4 la l\u00e3i su\u1ea5t c\u00f2n l\u1ea1i; s\u1ed1 ti\u1ec1n n\u00e0y s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c t\u00ednh v\u00e0o Balance c\u1ee7a anh \u1ea5y. K\u1ebf ho\u1ea1ch c\u0169ng nh\u1eb1m m\u1ee5c ti\u00eau h\u1ee7y b\u1ecf m\u1ed9t ph\u1ea7n n\u1ee3 vay Student Loan cho h\u01a1n 43 tri\u1ec7u c\u00f4ng d\u00e2n Hoa K\u1ef3, \u01b0\u1edbc t\u00ednh t\u1ed1n kho\u1ea3ng 400 t\u1ef7 \u0111\u00f4 la. Tuy nhi\u00ean, T\u00f2a \u00e1n T\u1ed1i cao \u0111\u00e3 quy\u1ebft \u0111\u1ecbnh r\u1eb1ng T\u1ed5ng th\u1ed1ng Biden kh\u00f4ng c\u00f3 quy\u1ec1n h\u00e0nh \u0111\u1ec3 ti\u1ebfn h\u00e0nh k\u1ebf ho\u1ea1ch n\u00e0y. Trong b\u00e0i di\u1ec5n thuy\u1ebft v\u00e0o ng\u00e0y 1 th\u00e1ng 7 n\u0103m 2023, T\u1ed5ng th\u1ed1ng Biden th\u00f4ng b\u00e1o v\u1ec1 m\u1ed9t h\u01b0\u1edbng \u0111i m\u1edbi cho m\u1ee5c ti\u00eau gi\u1ea3m n\u1ee3 vay Student Loan cho c\u00e0ng nhi\u1ec1u ng\u01b0\u1eddi M\u1ef9 c\u00e0ng t\u1ed1t. M\u1eb7c d\u00f9 ph\u01b0\u01a1ng ph\u00e1p n\u00e0y c\u00f3 th\u1ec3 m\u1ea5t th\u1eddi gian h\u01a1n, T\u1ed5ng th\u1ed1ng Biden cam \u0111oan r\u1eb1ng \u00f4ng “\u0111ang ch\u1ec9 \u0111\u1ea1o \u0111\u1ed9i ng\u0169 c\u1ee7a m\u00ecnh di chuy\u1ec3n c\u00e0ng nhanh c\u00e0ng t\u1ed1t.”<\/p>\n","protected":false},"excerpt":{"rendered":"

Going to college in the US costs a pretty penny. According to Forbes, the tuition fee for college has grown… <\/p>\n","protected":false},"author":2,"featured_media":304,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[3,61,1],"tags":[],"_links":{"self":[{"href":"https:\/\/testmaster.online\/blog\/wp-json\/wp\/v2\/posts\/250"}],"collection":[{"href":"https:\/\/testmaster.online\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/testmaster.online\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/testmaster.online\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/testmaster.online\/blog\/wp-json\/wp\/v2\/comments?post=250"}],"version-history":[{"count":3,"href":"https:\/\/testmaster.online\/blog\/wp-json\/wp\/v2\/posts\/250\/revisions"}],"predecessor-version":[{"id":306,"href":"https:\/\/testmaster.online\/blog\/wp-json\/wp\/v2\/posts\/250\/revisions\/306"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/testmaster.online\/blog\/wp-json\/wp\/v2\/media\/304"}],"wp:attachment":[{"href":"https:\/\/testmaster.online\/blog\/wp-json\/wp\/v2\/media?parent=250"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/testmaster.online\/blog\/wp-json\/wp\/v2\/categories?post=250"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/testmaster.online\/blog\/wp-json\/wp\/v2\/tags?post=250"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}