Great Lakes will no longer accept AMEX gift cards Student Loans |
- Great Lakes will no longer accept AMEX gift cards
- Disadvantages of refinancing? ANd is refinancing right for me?
- Annoying automated calls about student loan forgiveness from random numbers
- Pay off student loan or save for down payment ?
- Pay for grad school out of pocket or take out student loans?
- I accidentally declined my loans for Spring semester at the beginning of fall, what are my options for getting the funds?
- If you pay some of your student loans while in school, will interest start to accrue from that date, or from the regular six-month-past mark?
- Any downside to refinance with two companies
- IBR. Tax amended. Married file jointly/separately?
- Best options for massive debt
- Recently Refinanced, want to add cosigner
- Should I Take Out a Student Loan?
- Canceling a Loan
- Help - New Grad Applying for IBR
| Great Lakes will no longer accept AMEX gift cards Posted: 06 Dec 2017 07:18 PM PST My wife and I have been buying the $3,000 AMEX cards for a while now. Using them to make additional payments on her loans. (Using our credit card to buy the $3K cards so that we get a little something.) We called tonight to make a payment, and it was declined. Was told it was an abrupt policy change issued by the Department of Education. Rep said they still take prepaid debit cards as payment. Just a warning, as I know quite a few people use the AMEX. Not sure what we're going to do now. I hate this, and I hate having $3k on a card just sitting here. [link] [comments]  |
| Disadvantages of refinancing? ANd is refinancing right for me? Posted: 06 Dec 2017 10:38 PM PST Hey all, Sorry for the n00b Q's, but new to the ReFi game. Here's my specs: General -MFA from a highly ranked university -Been paying my loans for 2 years w/o issue and paid off my Undergrad loans in full, on time -Good credit -Yearly pre-tax salary is 110k. My wife makes ~75. We live in a big city and rent sucks- $2600 total, so 1300 each. Specific: Remaining loan balance: 102841.57 (40 is in Grad PLUS @ 7.65%, 60 is in Stafford that averages out to 6%) Monthly Payment: 1398.07 Repayment Term: 10 years I pinged SOfi, Earnest and Citizens bank. Sofi's rates averaged 5% on the fixed rate. Earnest gave me 5.2 and Citizens came in with 3.35%. Here are my questions: - What do I give up when I refinance? - Is there a reason not to take the lowest interest rate? - My understanding is that Variable rates are basically a scam; Are they? Should I think about taking one? -Do I seem like a good refi candidate? [link] [comments]  |
| Annoying automated calls about student loan forgiveness from random numbers Posted: 06 Dec 2017 08:55 AM PST Anyone know how to stop these people from calling? They got a hold of my work cell somehow and I get calls 6+ times a day from various numbers. The first time I stayed on to speak to a person it sounded like some sort of scam; the guy immediately asked "Do you have student loan debts?!", which i thought was a bit odd considering that the automated message literally says it has info about my student loan. I responded with "Well that's why you guys keep calling me isn't it?" and the guy mumbled "dipshit" then hung up. When I tried to call back it said the number is disconnected or no longer in service. Whenever I start to tell them this is a work phone they just hang up on me before I can even finish my sentence; and again I get the number disconnected message when I attempt to call back. Is there a way to make these calls stop? Or am i grasping at straws and this is some sort of scam i'm doomed to forever have to deal with to keep calling [link] [comments]  |
| Pay off student loan or save for down payment ? Posted: 06 Dec 2017 11:03 PM PST I have 20k in student loan that is deferred bc I'm still in school. I'm also working right now and trying to save money for down payment for a house. I will be graduating in 6 months. Would it be better to pay off the student loans after I graduate or save it for payment. My 20k loan, the highest interest is 5%. I have good credit scores, in the 800s. No other debts, no car payments. I pay off all my credit cards in full every month. After graduation, my expected salary will be around 110-120k. [link] [comments]  |
| Pay for grad school out of pocket or take out student loans? Posted: 06 Dec 2017 06:31 PM PST Hi all. So I'm getting ready to begin a graduate program that will cost me roughly 93k over a 3 year period in tuition. I'm in a position where I may afford to pay out of pocket however I'm wondering if it may be wiser to explore loans. So far ive seen a few private loans (SunTrust, tecas extra) offering fixed interests rates around 4.5 percent whereas unsubsidizd are around 7% id appreciate any input! Thanks [link] [comments]  |
| Posted: 06 Dec 2017 08:00 PM PST I accepted the Subsidized loans, but declined the unsubsidized loan for Spring. How likely is my financial Aid office to give me the loan? My credit is horrible... will my bank give me a student loan? [link] [comments]  |
| Posted: 06 Dec 2017 01:24 PM PST |
| Any downside to refinance with two companies Posted: 06 Dec 2017 03:22 PM PST I currently have ~$130K worth in loans. Citizens looks like a good bank to refinance with but they have a $90,000 limit. Is it possible to refinance the remainder of my loans with another company? Can anyone think of any downsides to doing that? Also, which companies are the best to refi with? Any and all help is appreciated. Thanks in advance! [link] [comments]  |
| IBR. Tax amended. Married file jointly/separately? Posted: 06 Dec 2017 06:18 PM PST Last year my wife & filed taxes as married filed jointly. I'm currently regretting this because it's going to increase her student loan payment substantially for 2018. We should have filed MFS. My question is, can we amend our tax return for 2016 to lower her payment for 2018? Would great lakes change her payment? Is their any legality I should be concerned about? She's currently on PAYE. [link] [comments]  |
| Posted: 06 Dec 2017 07:50 AM PST I have around 200k in total student loan debt. I know that was a stupid choice but at this point I'm just trying to find the best solution. So here's a rough breakdown. 80k Parent plus loans. (Navient) Around 6% I believe but I can verify when I get home. Father is unable to help with any payments. 120k Sallie Mae private loans. Currently at 2% but also around 7% once the 2% term is over. Both private and federal loans are broken up over about 6- total smaller loans. No other debt. Income 50k The one thing I have going is the degree was able to provide me with the job I intended. I work for the Federal Goverment. My salary will go up to ~80k in about 6 months and I'll be at 125k+ within 2 years. What are in your opinion is the best solution? Simply saving everything and paying it off as quickly as I can? I've looked into PSLF but it seems id have to consolidate my parent plus loans into my name and then apply. But I'm unsure if I would even still qualify with what my salary will be in 2 years. Also I live in a rather expensive city and am struggling to make payments now. The cheapest i could get was 500$ each. 1000$ total. Is there any options to lower the payments in the short term? At least until the first raise? Thanks to anyone for the help and advice! [link] [comments]  |
| Recently Refinanced, want to add cosigner Posted: 06 Dec 2017 08:41 AM PST Refinanced my loans with SoFi, but didnt realize that i couldve added a cosigner (my wife, who makes more $$ than me) Does anyone know if this is possible? or should i just use another company and add a cosigner? [link] [comments]  |
| Should I Take Out a Student Loan? Posted: 06 Dec 2017 02:22 PM PST Hey guys, first off i just want to say thank you for taking your time to read what i have going on. So ill be finishing up school here pretty soon. I would say by the end of next year ill be done and have my AAS in cyber security. Now currently i work at Publix which is huge for me because they pay for most of my school. So im not in debt at all and have good credit. My question is Im about to move into an apartment with my girlfriend and a friend and Im getting really nervous with paying with school from my pocket and paying monthly for an apartment. Would a good option be to take out a small student loan? I've heard many options where you dont have to pay till you graduate. [link] [comments]  |
| Posted: 06 Dec 2017 07:55 AM PST I took out a $10,000~ loan from tuition options a few months ago. Is it possible to stop payments on my loan if I wanted to discontinue my classes? What are the steps to do that. [link] [comments]  |
| Help - New Grad Applying for IBR Posted: 06 Dec 2017 03:03 AM PST I'm preparing to make my first of 120 payments towards the PSLF program. Obviously, I have to apply for an income-based repayment plan. I'm trying to determine if consolidating them is beneficial, too. How can I go about doing this? Should I consolidate before or after applying for income driven repayment? Or does it even matter the order in which I do it? Has anyone applied for IBR? Approximately how long did it take for the repayment plan to be put into action? My payments start in 1 month. In addition, last year I had no taxable income while I was in school. I now have a full-time job. How does this impact my application? If there's any online calculators to help with this process, I'd love to hear. Haven't found anything great online and I'm very new to this process. Thank so much for your help! [link] [comments]  |
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