MyFedLoan.org -- 4.5 years of school showing up as 9 lines of credit? Can I lower that number? Student Loans |
- MyFedLoan.org -- 4.5 years of school showing up as 9 lines of credit? Can I lower that number?
- What's the maximum income I can make to have a $0 monthly payment on an income-based repayment plan?
- 1 late payment?
- Questions about IBR
- How do block student loan forgiveness calls?
- PSFL and Income Driven Repayment
- Student Loan Pay Off Advice (Please!)
- Is there any other option to help us pay off debt?
- Need Help with Wifes Student Loans- Best Options?
- Anyone used Sallie Mae? Need help
| MyFedLoan.org -- 4.5 years of school showing up as 9 lines of credit? Can I lower that number? Posted: 26 Jan 2018 03:12 PM PST I've been out of school now for about a year and a half. I'm able to make my payments of ~$140 (And I'm able to pay more if I need to) out of my ~$40k debt. I went for a total of 6.5 years, but needed to get loans after the first two years. However, checking my credit report in the past few months my credit score has tanked, citing I had 11 lines of credit opened. Two of them are two credit cards with my bank and the other 9 are all different semesters worth of student loans. Is there any way I may be able to lower this number?? What are my options to raise my credit score? I'm not behind on anything and have minimal "hard credit checks". The only thing in red on my credit report is the lines of credit I have. Due to this, my credit score in categorized just barely in the lowest score possible. [link] [comments]  |
| What's the maximum income I can make to have a $0 monthly payment on an income-based repayment plan? Posted: 26 Jan 2018 02:30 PM PST |
| Posted: 26 Jan 2018 09:40 PM PST Realized I forgot a payment, logged in this evening, a day before the due date, but it won't go through until Monday, will I take a hit on my credit ?? Never late before. Edfinancial is the lender. Technically today isn't 30 days from the actual due date, but it won't go through until Monday. [link] [comments]  |
| Posted: 26 Jan 2018 02:55 PM PST Can you apply for income based repayment but make regular payments (as if you were on 10 year plan)? Also, if I pursue a master's degree before the 6 month grace period ends, I don't immediately have to start paying that back, correct? Ideally, I will try to start making payments before/during school but am saving up to move to find work as I am currently unemployed. [link] [comments]  |
| How do block student loan forgiveness calls? Posted: 26 Jan 2018 12:56 PM PST I believe they are scam and I get a lot of them. I don't quite remember where I sign up for these. I just don't want to receive these kind of calls. Is there a way to not receive them anymore? Like your remove yourself in their list? [link] [comments]  |
| PSFL and Income Driven Repayment Posted: 26 Jan 2018 06:23 AM PST Hi all, My wife currently has two separate loans to pay for school. One is a private loan for about 50k payment is 550 a month for 15 years. Another is fedloan for about 79k. The fedloan is eligible for PSLF and we have already applied and gotten approval. We have about 8 years left of payments before its forgiven. For the fed loan she is on the income driven repayment plan and her current monthly payment is $0. So my question is should I be paying more than $0 on the fed loan if its going to be forgiven. I do see that it is accruing interest. Will that be forgiven? Thanks. [link] [comments]  |
| Student Loan Pay Off Advice (Please!) Posted: 26 Jan 2018 06:54 AM PST Hi Everyone, Let me begin by saying I am open to any and all suggestions and am strictly here for advice. I feel like I'm ready to give up on these student loans that are absolutely crazy. :(. Please help... Facts: Just graduated. $48,237 with Citizens Bank. $87,093 with Sallie Mae. $32,396 with Department of Education. Total 167,726 :(. Just started a job at $70,000 a year. Opened up a 401K at 10%. Also paying the health care my job offered for (about 100) a month. Live at home. Only pay for lunch/occasional dinner with friends, gas, minor spending on weekends with friends. I know my situation is not terrible, but the amount of money which I owe is terrible. Are there any suggestions on weekend jobs that I could get to make more of a dent? Any suggestions would be very much appreciated because sometimes I feel like I will never get this weight off my chest. Thanks, ..... [link] [comments]  |
| Is there any other option to help us pay off debt? Posted: 26 Jan 2018 05:29 PM PST I graduated from college almost 4 years ago and have been working and my wife graduated a year ago and began working. In total, we make around $75,000 pre tax together a year. She has about $43,000 in federal loans. (1 payment) I have around $50,000 left on mine. (3 payments, 2 federal 1 private) We also have a loan we had to take out for our wedding which is $250 a month with around $9500 left on it. So a total of 5 payments a month for nearly $1300 a month. All of our loans are income based repayment right now except for the private loan. It just seems ridiculous to me that $1300 of our income is gone because of student loans every month. Is there any other option available to us to lower these monthly payments or are we stuck with this ever increasing monthly payment until we pay them off one at a time? EDIT: I've looked at refinancing/consolidating at one point but the monthly payment it gave us was the exact same. [link] [comments]  |
| Need Help with Wifes Student Loans- Best Options? Posted: 26 Jan 2018 05:09 AM PST My wife and I have been paying on our student loans consistently for several years now. I am on track for PSLF and I'm 4 years into that. I was recently looking over this with her and we need help. She has a "Signature Student" loan that currently has 9.625% Adjustable APR. Looking at the history, the principal balance of the loan has grown from the initial $6,000 to almost $8,000 today, and that's after making payments every month for years. On the current repayment plan we're not set to pay off the loan until 2030. She also has a Parent Plus Loan with a current balance of $5,092 that was originally a 5k loan. There are also a lot of other federal loans, but I'm not as worried about them. My main question is about refinancing the two loans. Are there any reputable companies that refinance student loans? I've read a lot about Sofi, but anything regarding student loans I just don't trust. Would it be a good idea to refinance the two loans? Would it even save us money or time? I have a credit score of around 750 so I could co-sign on any loan if necessary to get a better interest rate. Could we even get a better interest rate? Currently- Parent Plus Loan- 7.9% - $5,092.36- $65 monthly Student Signature- 9.6%- $7,836 - $88 monthly Any advice is much appreciated, thanks! [link] [comments]  |
| Anyone used Sallie Mae? Need help Posted: 26 Jan 2018 11:36 AM PST May be attending a school outside of my country. They do not offer scholarships or aid unless going for a masters, so i must use Sallie Mae. Now my question, the school has informed me via E-mail they do not deal in third-party lenders and will not accept the money from them nor allow it to be sent to them and disbursed to me. They will only accept the tuition payment directly from myself. So does Sallie Mae directly pay out to the person taking the loan out? Should i set up an account to have it sent to if so? Also what is the max i am allowed to borrow? Because i had planned to borrow a little extra to live off of due to not being allowed to work while living there. Any help from people familiar with Sallie Mae would be welcomed! Thank you. [link] [comments]  |
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