(CAN) I paid first semester tuition, but the University keeps giving me fees, and says that I didn't pay. Student Loans |
- (CAN) I paid first semester tuition, but the University keeps giving me fees, and says that I didn't pay.
- Throwing Loans Away
- How I paid off 76K in student loans in less than 5 years and so can you (medical field professionals should look into this).
- Transferring Parent Plus loan
- Need Loans without a cosigner
- Interest subsidies when switching out of repaye to paye
- Small rollover IRA, cash out and put towards student loans?
- Do I request the promissory letter? How do I ask correctly? Will it do me any good?
- PLSF / IBR / REPAYE questions
- Best private student loans
- Wife on PAYE, got married in 2017, filed as SINGLE
- My loan amount decreased?
- Careful with your "Trump Bump"
- Refinancing & job change while awaiting PSLF decision?
- To refinance or not to refinance...
| Posted: 31 Jan 2018 07:04 PM PST I know I paid. I went to the bank and had them transfer the money to the university in September. How can I get proof of the transaction? I need to go to financial services and talk to them. They keep adding to my invoice. I almost have to pay for more than I have in the bank. [link] [comments]  |
| Posted: 31 Jan 2018 06:25 PM PST My friend left the country for like 12 years and when she came back, they told her she didnt owe any money...they essentially threw her loans away; she wasnt even in the system. So she said ok, and left, debt free, lol Now granted, this happened in the 2000's sometime when she came back and times have changed since then but what are the chances of this happening nowadays you think? [link] [comments]  |
| Posted: 31 Jan 2018 02:33 AM PST Hello Everyone, I accomplished a major milestone in my life this past Friday as I paid off the remainder of my ungodly amount in student loans. I graduated in the late spring of 2013 and racked up approximately 76,000 in student loans. I never really realized how deeply in debt I was while in college and kept taking out more and more without actually pausing to think what it might do to me in the future. Unsurprisingly, I was horrified once I really began to calculate how long it might take me to pay it all back. Luckily for me, I graduated with a nursing degree and had a fantastic job lined up for me. I started working at a hospital on an Indian reservation in a very remote part of the country, which amazingly has multiple programs for employees that assist with student loans. The organization I work for is called the Indian Health Service (IHS) and is an agency under the control of the Health and Human Services (HHS). The program it provides for their employees who have student loans is a two year contract, which guarantees up to $20,000 EACH year of the contract with certain stipulations (please message me regarding these). In addition, if you have remaining student loans following the end of the contract, you can sign up for a one year extension and continue to receive up to $20,000. This program is amazing, that far too few people know about, and there are IHS hospitals throughout the country that need motivated nurses, doctors, and pharmacists. I am so grateful to write this and say I no longer have any student loan debt. It is an amazing feeling and please if anyone has any questions for me, message me. I am more than happy to answer any questions regarding this student loan program. I hope this post helps anyone who is swimming under an unbelievable amount of debt like I was. [link] [comments]  |
| Posted: 31 Jan 2018 03:59 PM PST Do you guys know if there is any way to transfer a parent plus loan to someone other than the student? [link] [comments]  |
| Posted: 31 Jan 2018 05:29 PM PST I need certain amount of loans for paying off my tuition in my college ( around 4500$ ). I need to get it from a private loan Is it possible for me to get this amount of loans for 2 years ( around 16k to 17k together in 2 years) without having a cosigner? [link] [comments]  |
| Interest subsidies when switching out of repaye to paye Posted: 31 Jan 2018 03:21 PM PST Hello, I'm currently deciding on if I should sign up for REPAYE or PAYE. I'm not married at the moment and would benefit from the bigger interest subsidies through repaye. If I got married one day and switched back to PAYE what would happen to all those interest subsidies and interest capitalization that didn't occur in REPAYE? I know theres some overall between the subsidies within the two programs so will the difference just be tacked on to my principle amount or will the whole amount of subsidies and interest cap get added on? If the whole amount is tacked on that would mean I basically should just go with PAYE in the first place since there is no benefit if I'm to switch over eventually right? Thanks! [link] [comments]  |
| Small rollover IRA, cash out and put towards student loans? Posted: 31 Jan 2018 05:29 PM PST I have $22k in loans at 5.2% interest. I've had a rollover IRA from a previous job since 2011 that has barely grown ($20ish). It's at $2,400. I'm looking at all options and looking for any extra dollars to rid myself of my loans. So I'm considering taking the tax hit and taking and applying the remaining balance to the loans. The money I'll save in interest in the long run will allow me to get back to this level and surpass it sooner. Thoughts? [link] [comments]  |
| Do I request the promissory letter? How do I ask correctly? Will it do me any good? Posted: 31 Jan 2018 05:29 PM PST I currently owe ~$66,000 in private loans to Navient. According to their website I am 13 payments past due to the tune of ~$6200. I also have federal loans which appear to be under Great Lakes now, but those are being handled and I'm making reasonable payments on that now. It's the Private Navient loans that are causing all my anxiety. Every time I have called them I am told that the lowest payment I qualify for is $538.25. I consulted with an attorney who helps with student loans to see if anything else could be done, and her suggestion was to send Navient a request for the promissory note for my loan that has my signature on the basis that if they can't prove I signed it then regardless of the loan agreements they have my loans have the potential to be dismissed. I signed a form for her to submit the formal request for the documentation but she called me to say she was sending me the form again to sign and I never got it. Since I never received responses to my follow up emails, I decided to not pursue the situation through her, but I would like more information on what she was speaking to. Is this basically the student loan version of asking for a proof of debt? How do I ask for this correctly in a way that would allow me to pursue dismissal if they can't provide documentation? I know I would send the request via certified mail with a return receipt, but how do I phrase this? Which address do I send it to? If they are unable to provide documentation within the requested time frame, what would my process be from there? I'm so easily overwhelmed and I was hoping a lawyer was going to be able to help me with all this, but that hasn't panned out so far. I have been diagnosed with a panic disorder in the past, and even thinking about this spikes my heartrate, but I'm trying to get my shit together here. [link] [comments]  |
| Posted: 31 Jan 2018 07:26 PM PST In December 2017, I missed the re-certify deadline for my IBR plan which was helping me meet my payments for PLSF ($200 per month). Mid-January, I sent in a request to re-certify, and I was approved a week later with a new payment of $35 per month. I questioned why my payment went down when I actually got a couple thousand pay raise at my job from my previous year. I called the FedLoan number, and talked to someone about my new calculations. She found that I checked the box that I did not receive a significant change in income, but I actually had. Long story short, I worked half the previous year (2016) as a teacher and earned about 25K and in 2017 I earned about 50K. My income pretty much doubled and I didn't think about my total income. I only clicked "no significant change" because I didn't change my job. Do I need to re-certify AGAIN to be legally in the green? I am not sure what the consequences are if I just go with the new $35 payments instead of the approximately $200+ payments if I re-certify. [link] [comments]  |
| Posted: 31 Jan 2018 07:25 PM PST Im looking for a low interest loan that is currently good. I already applied for discover student loans and got approved but the rate is 9.8 ~ 11.0 and not sure about that. [link] [comments]  |
| Wife on PAYE, got married in 2017, filed as SINGLE Posted: 31 Jan 2018 11:49 AM PST My wife is on a PAYE plan and has had an affordable monthly payment of $135/mo. We got married in 2017 and I make significantly more than her. We are each filing our taxes as SINGLE Will my income cause her payments to be increase? I see something about a spouse co-sign and was concerned that the payment will increase dramatically, which we might not be able to afford. Can someone provide guidance on how best to re-certify this year for PAYE [link] [comments]  |
| Posted: 31 Jan 2018 12:23 PM PST I took out a loan for 3k and the lender lowered it to $1,500. They said in the email "Our credit decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency." Does it have anything to do with a change in my cosigner's credit? I'm pretty sure her credit score recently went down. [link] [comments]  |
| Careful with your "Trump Bump" Posted: 31 Jan 2018 07:06 AM PST Hi all. The good news is that many off us will see larger paychecks starting this month due to the recent tax legislation passed by Congress. The double good news is that the student loan interest deduction was retained in that legislation. The really good news for lots of people is that their federal taxes may be going down. Prudence would caution using that extra money toward paying down debt including student loan debt. However, now is the time to look at your paychecks and figure out whether you are actually paying enough in federal taxes to cover your tax liability. While the IRS tax withholding calculator is currently unavailable it should be back up soon. There are also various calculators you can find online. If you really do have extra money every month in your paychecks, treat yourself to a drink then use the rest to create financial freedom for yourself. [link] [comments]  |
| Refinancing & job change while awaiting PSLF decision? Posted: 31 Jan 2018 01:51 PM PST So I have about $13.5k in student loans currently with FedLoan Servicing. (I transferred them from DL Servicing when I applied for public service loan forgiveness.) I received a letter that I qualify for PSLF, but that they'll let me know later how many of my payments count. This was in the fall, and as of this month, they still have no info for me. The repayment plan options through FedLoan Servicing aren't as good as they were through DL Servicing. Even with a 7.25 interest rate, I'm paying around $189 a month, which is really hurting me financially (I'm a single mother). Two questions: will moving my loan back to DL Servicing totally ruin my chances at getting PSLF? Also - I've been thinking of changing employers, I've been where I am over 10 years. Do I need to stay until I get the PSLF decision? This has all been so maddening, just trying to figure out if it's really worth hanging in there, or just give up. :( Thanks, guys. [link] [comments]  |
| To refinance or not to refinance... Posted: 31 Jan 2018 07:29 AM PST One year after graduating, I finally woke up and realized my loans will bury me with the way I'm paying them off. Right now I have two student loans: $17k at 10% interest with Sallie Mae and $45k of federal loans, while making $40k annual ($2500/month after taxes). Federal loan is in IBR which is absolutely manageable. However Sallie Mae's monthly payment is killing me. There's no way I can pay the interest while paying rent, car loan, insurance, federal loan, and other living expenses.. and it's causing me to not be able to pay the interest on my federal loan as well. I've considered refinancing with SoFi. In my research online and in this sub, I'm torn whether or not to refinance them both or just the Sallie Mae loan? I really want that interest rate to be lower and I also want to be able to make the interest payments on both but I'm lost financially and I want to avoid digging myself into a hole I can't climb out of. [link] [comments]  |
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