Bumped a car in the parking lot today and broke down Student Loans |
- Bumped a car in the parking lot today and broke down
- WIOA before taking out loans?
- In in high school, no idea what to do about student loans
- Student loan for sri lankan student to study abroad.
- Question about IBR plan during salary changes and lay offs
- Best repayment plan of action
- American Citizen Studying in Canada, Loans??
- A question about Navient monthly payments
- Student Loans and Overseas Living
- American interested in attending graduate school overseas with student loan questions.
- Maybe this is better suited for here. I’m having trouble finding a company that refinances student loans for people in NV.
- Debating on if we should refinance. Looking for advice.
- Making payments while in "Paid Ahead Status"
- Buy house then refinance or refinance then buy house?
| Bumped a car in the parking lot today and broke down Posted: 25 Feb 2018 09:10 AM PST It really wasn't bad. Maybe a few hundred to fix and the owner seems reasonable. 100% my fault. But. I should be able to float these expenses easy with my salary and otherwise poor lifestyle. High interest private loans have destroyed me. This is a serious financial bump that will set me back very far in savings that any one of my coworkers would be joking about the following HOUR. Fuck I don't know. I'm just so destroyed by a financial decision I made in my teens. Everyone cheered me on as I signed those bank loans. Fuck man. I just needed to vent. Sorry if that's not what this sub is about. [link] [comments]  | ||
| Posted: 26 Feb 2018 12:00 AM PST I've been in community college having WIOA paying for basically everything for me. I've had a (quite devastating) change in plans to transfer to a university. I'm stressing about paying housing expenses, car payments, etc., on top of tuition, as I've never attended university before. I am only qualifying to $2000 from FAFSA a semester. Does WIOA assist at all with university tuition? Also any advice on paying for school or bills would be appreciated. [link] [comments]  | ||
| In in high school, no idea what to do about student loans Posted: 25 Feb 2018 10:27 PM PST | ||
| Student loan for sri lankan student to study abroad. Posted: 25 Feb 2018 10:27 PM PST I'm a student from sri lanka. I want to study programming, but i don't have resources. I'm looking for student loan, scholarship or something. Thanks! [link] [comments]  | ||
| Question about IBR plan during salary changes and lay offs Posted: 25 Feb 2018 09:42 PM PST Hi guys. I haven't received a message yet from Navient, but I figured maybe one of you guys went through this and have an answer for me. [link] [comments]  | ||
| Posted: 25 Feb 2018 04:53 PM PST I recently graduated in August with 88k (5.5% avg interest rate) from undergrad and grad school loans. Currently I am "part-time" in my job but the plan is to go up to full time in the next 6 months which would come with a pay increase. Right now though my new upcoming payment is a little high for me. I think in the future it would be doable but until I become full time, it's a bit much. I also will be getting married this summer and not sure if I should file separately, of course that won't be until next year. I am considering going on an IBR plan right now and then increasing my monthly payments after I move to full time or possibly another job that pays more. I also am wondering if refinancing or consolidation would be good options for me. Any advice on what would be a best plan or pros/cons of IBR. refinancing, etc. is greatly appreciated! [link] [comments]  | ||
| American Citizen Studying in Canada, Loans?? Posted: 25 Feb 2018 06:59 PM PST Hello all! I am an American citizen studying up in Canada. I'm in the first year of my doctoral program and am thinking of taking out a loan to cover the cost of tuition. However, I have a few questions. Can I take out federal loans to pay for grad school in another country? If not, what sort of loan should I consider? I have no student debt as of right now having paid for undergrad myself and am a little apprehensive about going into debt. As such, is there a smart way of going about this whole process? Thanks for your help! [link] [comments]  | ||
| A question about Navient monthly payments Posted: 25 Feb 2018 12:56 PM PST Currently, when my fiance makes her required income based repayment, it's spread across all the loans that she has through Navient. Is it possible to have the required monthly payment applied to one specific loan? Or can I only do this when I make additional payments that are above and beyond the required payment? [link] [comments]  | ||
| Student Loans and Overseas Living Posted: 25 Feb 2018 06:49 PM PST I have a few questions about my US based student loans. I have about 100k and am currently on an income based repayment plan. I have lived overseas since I graduated (6 years) and have never made enough to have a payment. If I plan on staying overseas how will this debt work into my future? I have a home aboard and can't ever see my income going over 40k USD. Thanks for any help! [link] [comments]  | ||
| American interested in attending graduate school overseas with student loan questions. Posted: 25 Feb 2018 07:50 AM PST Hello. I am a 27 year old American. I have been out of university for about 5 years now and working since. I recently made the decision to apply to graduate schools and one of them that I got into was in France, Sciences Po in Paris to be specific. I feel it is my best option based on the contents of the degree and the opportunity it presents (live abroad, new language, reputation of the school, lower tuition than in the States). However, I do not presently have the money to pay tuition and living cost myself so I will be relying on federal aid. I was hoping that this sub could give me some clarification on 1) what types of student loans I am eligible for 2) what the loans can be used for 3) what is expected as far as repayment. I have already applied for a Sciences Po scholarship by the way. As I understand it, as a graduate student, I would eligible for unsubsidized direct loan(s) to cover tuition and PLUS loan(s) for living expenses (the amount of which would be cost of attendance - any other aid I receive, including the unsubsidized direct loan). There is an annual cap on the unsubsidized direct loan BUT NOT for the PLUS loan. When I did some back-of-the-napkin math, the maximum amount of the PLUS loan did not cover my projected annual living budget. So I am concerned. I know that is a lot and I thank you for bearing with me. Thanks. [link] [comments]  | ||
| Posted: 25 Feb 2018 01:27 PM PST
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| Debating on if we should refinance. Looking for advice. Posted: 25 Feb 2018 11:04 AM PST Hi r/StudentLoans, My wife and I have been debating on refinancing all/part of our student loans. Our biggest drive is that we want to move into a house sometime this year. Its difficult to save when we feel like most of our money goes straight to these loans. Moving in with parents isn't an option (both sets live nowhere close) and since we're upper 20's newlyweds, a roommate realistically won't happen. After reading through here, we don't want to refinance our federal loans. My payments towards those are $311 a month (graduated, finished in 2024) and hers are $280 (finished in 2027). My private is only $100 a month (finished in 2022/2026). Hers are our biggest problem. Conduent (ACS) 1: Unsubsidized loan, 6.79%, remaining balance 28,102.84. Monthly payment of 263.56 Conduent (ACS) 2: Unsubsidized loan, 6.79%, remaining balance 28,102.84. Monthly payment of 384.26 Why do we have 2 different monthly payments when they're essentially the exact same loan? No idea. But adding all our loans together, we're paying $1,340 a month. I make about $3,200 a month and she makes about $2,400 (after tax). Once we throw in our other payments for each month (rent, cars, phone, credit cards, etc), theres not much left over to save. I put most of the leftover money from my paychecks towards credit cards since those suck money also. If anyone has had good or bad experiences with the refinancing companies, advice on those would be welcome. We have good credit (700+). Any advice is welcome! Let me know if there are any questions! Thank you! [link] [comments]  | ||
| Making payments while in "Paid Ahead Status" Posted: 25 Feb 2018 09:39 AM PST Hey all, I have a question for those wise in the workings of student loans servicers. The situation: The majority of my loans are serviced through Great Lakes and I have two "accounts" with them: my Stafford Loans(a combination of 10 stafford loan "tokens", both unsub and subsidized) and Grad Plus Loans (3 loan "tokens" total). I'm currently on an income-based repayment plans with a minimum payment of $165.23 on the Staffords and $31.13 on the Grad Plus Loans. The minimum is due on the 4th of each month. My grace period ended in December, so I've made 2 sets of minimum payments(December and January) on each thus far. I additionally made a payment of $200 total in January that I custom allocated to apply to 4 of my higher interest rate Stafford loans. Upon review of my payment history, it does appear that the money was allocated to these loan "tokens" as I desired. The majority of it went to the interest of each loan, although $31.49 went to the principal of one of those loans as I'd intended. According to Great Lakes, I'm now "paid ahead" by 34.77 on the Stafford Loans, pushing my next billing statement to April 4th for the Stafford Loan tokens. It appears they're treating the $200 payment I made as a monthly payment plus some extra, even though it was specifically allocated to 4 tokens rather than "spread over the loans" as they did with the monthly minimum payments I made in December and January. [The Grad Plus Loan due date is still March 4th, since I made no additional payments beyond the minimum for that set of tokens.] Now, here's my question. Given my "paid ahead" status, if I were to continue making the minimum payment of 165.23, how would it be allocated? Review of Great Lakes Policies indicates an allocation policy of fees>>interest>>principal, but their FAQ appears mute about how additional payments are allocated when one is in "paid ahead". Given this status, can I work on aggressively custom allocating the 165.23 each month to one loan "token" as long as I'm constantly in paid ahead status or would this come back to bite me in the butt since I wouldn't technically be paying a "minimum" on the other 9 loan tokens? Any assistance would be appreciated! [link] [comments]  | ||
| Buy house then refinance or refinance then buy house? Posted: 25 Feb 2018 09:31 AM PST I'm about to finish my teacher Credential program in June, my salary will increase about 10k to 60k. I want to refinance 50k of high interest debt from Navient, I have about 200k total of student loans. I was denied previously due to debt to income ratio this year when my salary was 49k. I'm still navigating buying a house, and the loan payment is killing me with % of debt payments relative to getting a house payment, but it's still possible I could swing a mortgage. With that Should I wait to buy a house until I refinance? It's actually cheaper for me to buy a house here than pay rent...I am a single parent and can't live with family. I'm paying 750$/month for about 80k of loans. [link] [comments]  |
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