Did you tell your friends when you finished paying off your student loans? Student Loans |
- Did you tell your friends when you finished paying off your student loans?
- Paying minimum on loans in order to make it to PSLF?
- Please. Any advice at all would be appreciated
- Need help, attempted over payment fix by using student loans.
- Extended Plan or IBR interfere with GRAD loans?
- Qualifying for Extended Repayment?
- AGI, PAYE, and the tax cut
- I dropped out of College. Now I need to pay my student loans today. I have questions.
- Question about the speed of student loans
- Loan advice
- ACS institutional loan issues, does it affect REPAYE?
- Paying a large chunk of loans. Which loan should I tackle first?
| Did you tell your friends when you finished paying off your student loans? Posted: 04 Jan 2018 01:50 PM PST ^ Pretty much the question. I'm curious how open you guys were about reaching that milestone. Without doubt it's an exciting achievement, so I'm sure some of you wanted to shout it from the top of your roof lol. [link] [comments]  |
| Paying minimum on loans in order to make it to PSLF? Posted: 04 Jan 2018 07:20 PM PST Hello all. So I should preface this with the statement that I am not considering this as an option but merely wanting to explore all avenues. I have worked for the state of Ohio for almost 7 years. Two of those those years were as an intern so I'm not sure if those apply. I owe about $60,000 in student loans and I had begun to wonder if it would be a good idea to drop my payments down to the minimum in order to ride it out all the way past 10 years so that my loans will be forgiven and I don't pay that much money on them in the meantime. Is this crazy? [link] [comments]  |
| Please. Any advice at all would be appreciated Posted: 04 Jan 2018 06:51 PM PST I'm 26 and have been dating my boyfriend for six years. About 10 years ago, he was hit by a drunk driver and had multiple broken bones and brain damage. He can still function for the most part but his mind is usually foggy on account of the seizures that accompany the brain damage. He sued the driver and got a pretty decent settlement and his parents' advice was to use the money to "follow his dreams." He enrolled in The Art Institute and went there for a few years, until he couldn't afford housing or tuition. He dropped out due to this and started getting letters from his student loan company demanding repayment. He opened the bill to look at how much he owed (he had already sent them a check for $60,000 for his first year's tuition) and saw he only owed $3,000. I glanced at the bill and saw it said $3,000 due and I immediately decided to save up $3,000 and just pay it off. I spent months working two jobs and finally saved up about $3,500. I opened the bill to pay it off and I noticed that he was behind about $3,500 in payments and that he actually owed nearly $70,000. That moment is exactly when my life turned upside down. He hadn't lied about how much he owed, his mind just really is that foggy about things. We couldn't afford the payments and since he didn't graduate we couldn't refinance. Our only option was to get him on an income based repayment plan. He works in customer service so based on his income he pays $0 a month to student loans. If we renew the plan every year and he doesn't find a job that pays much more, there is a CHANCE that after 25 years the loans will be forgiven. It's no guarantee, so for the next 23 years we will not be able to get married (because they'll go by my income too and we want to be able to afford a mortgage someday) and we can't have kids because if the loans aren't forgiven our kids will be forced to pay them. I know we aren't the only ones struggling with this but is there any possible shot we have at a normal life? I hate to think that the biggest event in our future will be the day his student loans (hopefully) get forgiven, instead of normal events like getting married or having kids. Most days I wake up with an immediate feeling of dread because of this situation but some days I can just force myself not to think about it. I don't think I could ever bring myself to leave him but I can't live in this hopeless abyss any longer. Does anyone have any suggestions about what I should do? [link] [comments]  |
| Need help, attempted over payment fix by using student loans. Posted: 04 Jan 2018 02:36 PM PST The office of financial aid due to changes in how aid is applied recently hit my account with an over payment of 600$ without any warning. I was given a deadline to pay it by January 12th, and unable to pay it out of pocket I decided to take out a loan to see if I could use that to pay the over payment, and then pay back the loan using my grants and federal aid. Only went to the school to set this all into motion to find out I currently won't receive the loan until the 29th, and I won't be able to access either it or any financial aid I would have otherwise had until I can pay back the over payment. Do I have any options or does anyone have any ideas on what I could possibly do? Any and all help is appreciated. [link] [comments]  |
| Extended Plan or IBR interfere with GRAD loans? Posted: 04 Jan 2018 05:15 PM PST Hello All! I have $60000 worth of undergrad loans. I am wondering if signing up for an extended repayment plan or IBR with these loans would interfere with my ability to get GRAD loans for dental school? Thanks! [link] [comments]  |
| Qualifying for Extended Repayment? Posted: 04 Jan 2018 05:04 PM PST Hey All, I currently have $30000 worth of direct subsidized and unsubsidized loans and $30000 worth of direct PLUS loans. My question is if I wanted to apply for extended repayment, does the total of ALL direct loans have to equal $30000? Or, do the subsidized/unsubsidized AND the PLUS loans have to be $30000 each? I am asking because I have received a chunk of money I would like to put towards these loans, but will hold off on that if it would disqualify me from getting an extended repayment plan. Thanks! [link] [comments]  |
| Posted: 04 Jan 2018 09:50 AM PST So as far as I know, the tax cut will double the standard deduction. This should make everyone's Adjusted Gross Income go down by $12,000 if married/$6,000 if single. AGI is the basis of your student loan monthly payment amounts under PAYE. So shouldn't everyone put their PAYE loans in forbearance until this year's taxes can be submitted? Tell me where I'm wrong, feels like a big win/loophole. [link] [comments]  |
| I dropped out of College. Now I need to pay my student loans today. I have questions. Posted: 04 Jan 2018 07:41 AM PST I owe 4,527.33 My minimum payment is $50 How should I go about paying this per month? How often does the interest rate increase? My interest is currently at: 3.760 [link] [comments]  |
| Question about the speed of student loans Posted: 04 Jan 2018 01:27 PM PST I had expected for a family member to pay for this oncoming spring semester of college, but something has come up that has slightly delayed the money until April. I go to a CC so the tuition + fees will be at the most around $2200. All payment is due on the 12th. Is there any time between now and then to take out a loan? I was thinking since I bank with Wells Fargo I could get a loan relatively quickly from them. I will be able to pay back the loan in full in April so I'm not overly concerned with the interest rate. [link] [comments]  |
| Posted: 04 Jan 2018 03:40 AM PST Hello, I am expected to finish school in September and work to pay for the cost of college. With the upcoming workload, for this quarter I have considered quitting and taking out some loans. I have three quarters left and currently sitting at 28k of debt. Each quarter runs for 11 weeks, and then we get a two-week break in between. Would it be best for me to take one loan out that covers the remaining quarters or try to take three smaller loans at each quarter? I have a credit card for discover, and they have sent me mail about doing student loans through them, has anyone had experience with them? If not, are there other lenders I should look at? [link] [comments]  |
| ACS institutional loan issues, does it affect REPAYE? Posted: 04 Jan 2018 09:02 AM PST I currently have some institutional loans that were with ACS. They transferred my loans over to Conduent and I am having difficulty accessing my loans. Due to that, I haven't been able to make a payment for a couple of months. Since these are institutional loans, if I miss a few payments due to this issue, will it affect my qualifying REPAYE payments when it comes to forgiveness? All my REPAYE loans are direct loans btw [link] [comments]  |
| Paying a large chunk of loans. Which loan should I tackle first? Posted: 04 Jan 2018 08:16 AM PST I will be paying $9000 into my federal student loans and need advice on which loan I should pay it into. I am currently on PLF with low ($100) monthly payments, but if I can pay off the loan faster than the 10 years I will have paid much less then just having the remaining balance forgiven. Here are my loans: 5,994.81 at 5.59% 4,829.75 at 5.96% 9,567.97 at 5.96% 5,096.14 at 5.16% 13,511.73 at 5.16% 6.379.02 at 6.55 % Thanks for the help! [link] [comments]  |
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