{"id":10601,"date":"2021-06-21T21:13:22","date_gmt":"2021-06-21T15:43:22","guid":{"rendered":"https:\/\/test-blog.unicreds.com\/blog\/?p=10601"},"modified":"2023-12-06T18:00:22","modified_gmt":"2023-12-06T12:30:22","slug":"what-is-debt-restructuring","status":"publish","type":"post","link":"https:\/\/unicreds.com\/blog\/what-is-debt-restructuring\/","title":{"rendered":"What Is Debt Restructuring?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_75 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/unicreds.com\/blog\/what-is-debt-restructuring\/#Debt_Restructuring_Definition\" >Debt Restructuring Definition<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/unicreds.com\/blog\/what-is-debt-restructuring\/#Debt_Restructuring_Reasons\" >Debt Restructuring Reasons<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/unicreds.com\/blog\/what-is-debt-restructuring\/#The_Popular_Strategies\" >The Popular Strategies<\/a><\/li><\/ul><\/nav><\/div>\n<div id=\"bsf_rt_marker\"><\/div>\n<p>In situations where you are all drowning in debt, you may have heard one particular phrase from quite a lot of people &#8212; Debt Restructuring. It is essentially an all-inclusive term for describing various methods of paying down debt and somehow saving yourself from getting completely drowned. Now if you are confused or you need to double down on the authentic information you need on this topic, then you have landed on the correct page. In this post on &#8211; What does restructuring debt mean? Is debt restructuring a good idea? &#8211; you will learn everything you need to know about the popular term.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"debt-restructuring-definition\"><span class=\"ez-toc-section\" id=\"Debt_Restructuring_Definition\"><\/span><strong>Debt Restructuring Definition<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Debt restructuring is a refinancing process wherein individuals or companies facing cash flow issues enter into an arrangement with lenders to renegotiate favorable or flexible terms, thereby gaining more flexibility in the short term and making their debt load more manageable overall. The lender may further choose to lower the rate of interest or increase the time limit for paying the interest and principal amount. Ultimately it saves the borrower from bankruptcy.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"debt-restructuring-reasons\"><span class=\"ez-toc-section\" id=\"Debt_Restructuring_Reasons\"><\/span><strong>Debt Restructuring Reasons<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>The reasons to look forward to Debt Restructuring are typical financial difficulties that cannot be easily resolved. Under such circumstances, one has limited options \u2013 such as restructuring the debts or filing for bankruptcy. Keeping in mind the long-term consequences, restructuring existing debts is an obviously preferable and more cost-effective way to go.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>The most common reasons may involve one burdensome medical bill from a health emergency a few years ago or the weight of student loans or maybe the credit card debt that crept up during a few years of living beyond your means. These situations eventually pave way for the only option &#8211; Debt Restructuring.<\/p>\n\n\n\n<p><strong>What Is Debt Restructuring: Debt Restructuring Working<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>The debt restructuring process involves getting the lender to agree to reduce the interest rates on loans, extend the due dates, or both. These steps improve your chances of paying back your obligations. Creditors understand that they would receive even less if you declare bankruptcy.&nbsp;<\/p>\n\n\n\n<p><strong><em>Now\u2019s the right time to secure a safe education loan! Fill the form in this blog TODAY!<\/em><\/strong><\/p>\n\n\n\n<p>Debt restructuring is a win-win situation for both sides because you are successful in avoiding bankruptcy and the lenders typically receive more than they would have through a bankruptcy proceeding.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><em>Suggested Read: <\/em><a href=\"https:\/\/unicreds.com\/blog\/how-bankruptcy-may-cause-more-student-loan-problems\" target=\"_blank\" rel=\"noreferrer noopener\"><em>How Bankruptcy May Cause More Student Loan Problems<\/em><\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>You can also hire a debt relief company to help in the negotiations. Although do ensure that the company is a reputable and legitimate one.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"the-popular-strategies\"><span class=\"ez-toc-section\" id=\"The_Popular_Strategies\"><\/span><strong>The Popular Strategies<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Here are some debt restructuring example you can consider.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"negotiate-with-your-lender\"><strong>Negotiate With Your Lender<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>If you are finding your finances stretched thin enough to break then it may be a good idea to speak with your lender regarding the terms of your loan. From the point of view of a lender, they would definitely negotiate for a guaranteed payment rather than have the debt go unpaid. Hence, you always have enough scope to restructure your debt in this way.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>For example, in terms of student loan restructuring, you might be able to settle your debt for less than you owe.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>In some cases, if you are a good customer with no <a href=\"https:\/\/unicreds.com\/blog\/derogatory-marks-on-credit-report\" target=\"_blank\" rel=\"noreferrer noopener\">derogatory marks on your credit report<\/a>, you may also be eligible to get reduced interest rates while restructuring the debt.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><em>You may also like to read: <\/em><a href=\"https:\/\/unicreds.com\/blog\/pay-as-you-earn-paye-repayment-guide\" target=\"_blank\" rel=\"noreferrer noopener\"><em>Pay As You Earn (PAYE) Repayment Guide<\/em><\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"debt-consolidation\"><strong>Debt Consolidation<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>This strategy on debt restructuring can help lower interest rates, simplify payments to a great extent and allow you to pay a single bill instead of multiple bills each month. It minimises the chances of a missed payment damaging your credit. You\u2019ll still have to pay back your debt, but your lender would now be the loan company, rather than your original lender.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>It\u2019s worth noting that debt consolidation offers you the freedom to choose a shorter or longer repayment term. A shorter term will increase your recurring monthly payments, but at least you get out of debt sooner; a longer-term will keep you in debt longer, but with lower monthly payments.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Loan offers are based on a variety of factors including the amount required, your credit history, and your credit score. But you may also have the option of getting a cosigner, like your parents, to potentially get more attractive offers.<\/p>\n\n\n\n<p><strong>Debt Refinancing<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Debt Refinancing, which often occurs hand in hand with debt consolidation, is a way to potentially lower your interest rates, decrease monthly payments or both on certain types of loans.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><em>Recommended Read: <\/em><a href=\"https:\/\/unicreds.com\/blog\/how-to-refinance-federal-student-loans\" target=\"_blank\" rel=\"noreferrer noopener\"><em>How To Refinance Federal Student Loans<\/em><\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>While a personal loan covers a wide range of debts, refinancing can be a great option for specific debt, like student loan payments. For example, if you have a combination of private and federal student loans, refinancing your student loans can allow you to pay a single bill instead of multiple bills. It\u2019s a great way to pursue student loan restructuring.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>You can also check- <a href=\"https:\/\/unicreds.com\/blog\/student-loan-forgiveness-programmes\" target=\"_blank\" rel=\"noreferrer noopener\">The Complete List of Student Loan Forgiveness Programmes<\/a>, to see if you are eligible to eliminate your student loans altogether.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Other ways apart from these debt restructuring strategies include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Taking a loan from a family member<\/li>\n\n\n\n<li>Declaring bankruptcy<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>It\u2019s important to know what bankruptcy is and how it may affect the debt you have. For example, it can be hard for student loan debts to be discharged in some bankruptcy filings. To know in-depth about this topic, consider reading: <a href=\"https:\/\/unicreds.com\/blog\/student-loans-and-bankruptcy\" target=\"_blank\" rel=\"noreferrer noopener\">Student Loans and Bankruptcy.&nbsp;<\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>With this we come to the end of this blog on &#8211; What Is Debt Restructuring.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong><em>PS: If there\u2019s anything more you\u2019d like us to know about. Add it to the comments section!<\/em> <\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><em><strong>Thank you for reading this blog \u2018What Is Debt Restructuring?\u2019. If you enjoyed reading this blog and would like to continue reading more about debts and student loans then do check out our following blogs.<\/strong><\/em><\/p>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/unicreds.com\/blog\/early-education-loan-repayment\" target=\"_blank\" rel=\"noreferrer noopener\"><em>Important Benefits of Early Education Loan Repayment<\/em><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/unicreds.com\/blog\/how-to-remove-derogatory-items-from-your-credit-report\" target=\"_blank\" rel=\"noreferrer noopener\"><em>How To Remove Derogatory Items From Your Credit Report<\/em><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/unicreds.com\/blog\/what-happens-to-your-student-loans-when-you-file-bankruptcy\" target=\"_blank\" rel=\"noreferrer noopener\"><em>What Happens to Your Student Loans When You File Bankruptcy?<\/em><\/a><\/li>\n\n\n\n<li><strong><em><span style=\"text-decoration: underline;\">Solutions For Financial Problems of Students<\/span><\/em><\/strong><\/li>\n<\/ul>\n\n\n\n\n","protected":false},"excerpt":{"rendered":"<p>In situations where you are all drowning in debt, you may have heard one particular phrase from quite a lot of people &#8212; Debt Restructuring. It is essentially an all-inclusive term for describing various methods of paying down debt and somehow saving yourself from getting completely drowned. Now if you are confused or you need [&hellip;]<\/p>\n","protected":false},"author":91,"featured_media":26342,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[2578],"tags":[],"class_list":["post-10601","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-student-loan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is Debt Restructuring? - UniCreds Blog<\/title>\n<meta name=\"description\" content=\"In this post on - What Is Debt Restructuring? - you will learn everything you need to know about the term people hear while drowning in debt\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/unicreds.com\/blog\/what-is-debt-restructuring\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is Debt Restructuring? - UniCreds Blog\" \/>\n<meta property=\"og:description\" content=\"In this post on - What Is Debt Restructuring? - you will learn everything you need to know about the term people hear while drowning in debt\" \/>\n<meta property=\"og:url\" content=\"https:\/\/unicreds.com\/blog\/what-is-debt-restructuring\/\" \/>\n<meta property=\"og:site_name\" content=\"UniCreds Blog\" \/>\n<meta property=\"article:published_time\" content=\"2021-06-21T15:43:22+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-12-06T12:30:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2021\/06\/31160349\/UNICREDS-5.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"683\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"UniCreds\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"UniCreds\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/unicreds.com\/blog\/what-is-debt-restructuring\/\",\"url\":\"https:\/\/unicreds.com\/blog\/what-is-debt-restructuring\/\",\"name\":\"What Is Debt Restructuring? - UniCreds Blog\",\"isPartOf\":{\"@id\":\"https:\/\/unicreds.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/unicreds.com\/blog\/what-is-debt-restructuring\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/unicreds.com\/blog\/what-is-debt-restructuring\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2021\/06\/31160349\/UNICREDS-5.jpg\",\"datePublished\":\"2021-06-21T15:43:22+00:00\",\"dateModified\":\"2023-12-06T12:30:22+00:00\",\"author\":{\"@id\":\"https:\/\/unicreds.com\/blog\/#\/schema\/person\/f657f563277e53c7ad5c3ba7f272cffd\"},\"description\":\"In this post on - What Is Debt Restructuring? - you will learn everything you need to know about the term people hear while drowning in debt\",\"breadcrumb\":{\"@id\":\"https:\/\/unicreds.com\/blog\/what-is-debt-restructuring\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/unicreds.com\/blog\/what-is-debt-restructuring\/\"]}],\"hasPart\":[{\"@type\":\"SiteNavigationElement\",\"name\":\"Table of Contents\",\"url\":\"https:\/\/unicreds.com\/blog\/what-is-debt-restructuring\/#ez-toc\",\"position\":1,\"hasPart\":[{\"@type\":\"SiteNavigationElement\",\"name\":\"Debt Restructuring Definition\",\"url\":\"https:\/\/unicreds.com\/blog\/what-is-debt-restructuring\/#debt-restructuring-definition\",\"position\":2},{\"@type\":\"SiteNavigationElement\",\"name\":\"Debt Restructuring Reasons\",\"url\":\"https:\/\/unicreds.com\/blog\/what-is-debt-restructuring\/#debt-restructuring-reasons\",\"position\":3},{\"@type\":\"SiteNavigationElement\",\"name\":\"The Popular Strategies\",\"url\":\"https:\/\/unicreds.com\/blog\/what-is-debt-restructuring\/#the-popular-strategies\",\"position\":4}]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/unicreds.com\/blog\/what-is-debt-restructuring\/#primaryimage\",\"url\":\"https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2021\/06\/31160349\/UNICREDS-5.jpg\",\"contentUrl\":\"https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2021\/06\/31160349\/UNICREDS-5.jpg\",\"width\":1200,\"height\":683,\"caption\":\"Debt Restructuring\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/unicreds.com\/blog\/what-is-debt-restructuring\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Blog\",\"item\":\"https:\/\/unicreds.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Student Loan\",\"item\":\"https:\/\/unicreds.com\/blog\/category\/student-loan\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"What Is Debt Restructuring?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/unicreds.com\/blog\/#website\",\"url\":\"https:\/\/unicreds.com\/blog\/\",\"name\":\"UniCreds Blog\",\"description\":\"Your Guide To Abroad Education Loan\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/unicreds.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/unicreds.com\/blog\/#\/schema\/person\/f657f563277e53c7ad5c3ba7f272cffd\",\"name\":\"UniCreds\",\"url\":\"https:\/\/unicreds.com\/blog\/author\/uc_unicreds\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What Is Debt Restructuring? - UniCreds Blog","description":"In this post on - What Is Debt Restructuring? - you will learn everything you need to know about the term people hear while drowning in debt","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/unicreds.com\/blog\/what-is-debt-restructuring\/","og_locale":"en_US","og_type":"article","og_title":"What Is Debt Restructuring? - UniCreds Blog","og_description":"In this post on - What Is Debt Restructuring? - you will learn everything you need to know about the term people hear while drowning in debt","og_url":"https:\/\/unicreds.com\/blog\/what-is-debt-restructuring\/","og_site_name":"UniCreds Blog","article_published_time":"2021-06-21T15:43:22+00:00","article_modified_time":"2023-12-06T12:30:22+00:00","og_image":[{"width":1200,"height":683,"url":"https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2021\/06\/31160349\/UNICREDS-5.jpg","type":"image\/jpeg"}],"author":"UniCreds","twitter_card":"summary_large_image","twitter_misc":{"Written by":"UniCreds","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/unicreds.com\/blog\/what-is-debt-restructuring\/","url":"https:\/\/unicreds.com\/blog\/what-is-debt-restructuring\/","name":"What Is Debt Restructuring? - UniCreds Blog","isPartOf":{"@id":"https:\/\/unicreds.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/unicreds.com\/blog\/what-is-debt-restructuring\/#primaryimage"},"image":{"@id":"https:\/\/unicreds.com\/blog\/what-is-debt-restructuring\/#primaryimage"},"thumbnailUrl":"https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2021\/06\/31160349\/UNICREDS-5.jpg","datePublished":"2021-06-21T15:43:22+00:00","dateModified":"2023-12-06T12:30:22+00:00","author":{"@id":"https:\/\/unicreds.com\/blog\/#\/schema\/person\/f657f563277e53c7ad5c3ba7f272cffd"},"description":"In this post on - What Is Debt Restructuring? - you will learn everything you need to know about the term people hear while drowning in debt","breadcrumb":{"@id":"https:\/\/unicreds.com\/blog\/what-is-debt-restructuring\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/unicreds.com\/blog\/what-is-debt-restructuring\/"]}],"hasPart":[{"@type":"SiteNavigationElement","name":"Table of Contents","url":"https:\/\/unicreds.com\/blog\/what-is-debt-restructuring\/#ez-toc","position":1,"hasPart":[{"@type":"SiteNavigationElement","name":"Debt Restructuring Definition","url":"https:\/\/unicreds.com\/blog\/what-is-debt-restructuring\/#debt-restructuring-definition","position":2},{"@type":"SiteNavigationElement","name":"Debt Restructuring Reasons","url":"https:\/\/unicreds.com\/blog\/what-is-debt-restructuring\/#debt-restructuring-reasons","position":3},{"@type":"SiteNavigationElement","name":"The Popular Strategies","url":"https:\/\/unicreds.com\/blog\/what-is-debt-restructuring\/#the-popular-strategies","position":4}]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/unicreds.com\/blog\/what-is-debt-restructuring\/#primaryimage","url":"https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2021\/06\/31160349\/UNICREDS-5.jpg","contentUrl":"https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2021\/06\/31160349\/UNICREDS-5.jpg","width":1200,"height":683,"caption":"Debt Restructuring"},{"@type":"BreadcrumbList","@id":"https:\/\/unicreds.com\/blog\/what-is-debt-restructuring\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Blog","item":"https:\/\/unicreds.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Student Loan","item":"https:\/\/unicreds.com\/blog\/category\/student-loan\/"},{"@type":"ListItem","position":3,"name":"What Is Debt Restructuring?"}]},{"@type":"WebSite","@id":"https:\/\/unicreds.com\/blog\/#website","url":"https:\/\/unicreds.com\/blog\/","name":"UniCreds Blog","description":"Your Guide To Abroad Education Loan","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/unicreds.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/unicreds.com\/blog\/#\/schema\/person\/f657f563277e53c7ad5c3ba7f272cffd","name":"UniCreds","url":"https:\/\/unicreds.com\/blog\/author\/uc_unicreds\/"}]}},"_links":{"self":[{"href":"https:\/\/unicreds.com\/blog\/wp-json\/wp\/v2\/posts\/10601","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/unicreds.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/unicreds.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/unicreds.com\/blog\/wp-json\/wp\/v2\/users\/91"}],"replies":[{"embeddable":true,"href":"https:\/\/unicreds.com\/blog\/wp-json\/wp\/v2\/comments?post=10601"}],"version-history":[{"count":13,"href":"https:\/\/unicreds.com\/blog\/wp-json\/wp\/v2\/posts\/10601\/revisions"}],"predecessor-version":[{"id":29361,"href":"https:\/\/unicreds.com\/blog\/wp-json\/wp\/v2\/posts\/10601\/revisions\/29361"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/unicreds.com\/blog\/wp-json\/wp\/v2\/media\/26342"}],"wp:attachment":[{"href":"https:\/\/unicreds.com\/blog\/wp-json\/wp\/v2\/media?parent=10601"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/unicreds.com\/blog\/wp-json\/wp\/v2\/categories?post=10601"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/unicreds.com\/blog\/wp-json\/wp\/v2\/tags?post=10601"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}