IBR - recently married Student Loans |
- IBR - recently married
- Loans for living expenses? (Law School)
- ***Loans I can get with no credit and no cosignor?
- Interest payment tax credit question
- Keeping Interest Paid?
- On IBR, recently married, should we file jointly or separately?
- Nervous about my 10k debt
- Question regarding repayment?
- How can I get my loans out of delinquency?
- Why the Navient hate?
| Posted: 24 Feb 2018 10:26 PM PST I got married November 2017 - not due to recertify until May/June. Do I have to recertify early since I got married? Everything I've found said you don't HAVE to early but wanted to make sure I won't get in trouble. Trying to savor my lower payments as long as I can due to MFJ on 2017 taxes. Also working towards pslf if that matters [link] [comments]  |
| Loans for living expenses? (Law School) Posted: 24 Feb 2018 06:17 PM PST I didn't take out any loans to cover living expenses for undergrad. I'm worried that I won't be able to work/pay rent while attending law school full-time. How does one go about this? I really need advice/help. I filled out my FAFSA already [link] [comments]  |
| ***Loans I can get with no credit and no cosignor? Posted: 24 Feb 2018 03:45 PM PST Im aware of the federal stafford loans and applied for one. Also was approved for fafsa. But i want to know if there are other loans i can apply to in case my financial aid package amount isnt enough? [link] [comments]  |
| Interest payment tax credit question Posted: 24 Feb 2018 11:44 PM PST So throughout 2017 I wasn't required to make any student loan payments as my income in 2016 was under 5k, even though I made over 60k in 2017. I took advantage of this as I still accrued credits forwards my PSLF even though my payments were $0. However, I did accrue over $2,200 in interest for the year of 2017. I didn't realize before how big of a tax credit you get for paying student loan interest! My question is, is it too late to pay my accrued interest from 2017 in whole ($2,200) and claim it on my 2017 tax return? Do the interest payments have to occur during the year of 2017? [link] [comments]  |
| Posted: 24 Feb 2018 07:21 AM PST I am currently in school, and I was wondering if I should pay off my accrued interest on my loans every month rather than letting it build up. Would this save me any money in the long run? Or is it just spending the same amount of money either now or later? [link] [comments]  |
| On IBR, recently married, should we file jointly or separately? Posted: 24 Feb 2018 09:21 AM PST Hi, I am on the IBR plan with 100k+ in loans. I was recently married, and wife has paid her loans in full. We are wondering how much it would effect my monthly payment if we file jointly. We both make ~60k a year. I am currently using the avalanche method, so to have a very minimal monthly payment is key. Currently I pay ~$185/mo across all loans, and then dump $2,500/mo on the highest interest loans. Will we be better off filing separately to keep a low monthly payment? Thanks for your help. [link] [comments]  |
| Posted: 24 Feb 2018 11:43 AM PST Currently a senior and will be graduating in a year's time. I was surprised to check my financial aid account and see that it was roughly 10k already. I was expecting more like 6k so I'm wondering if it's common for financial aid offices to make mistakes? Also, I am thinking of getting a PT job so I can save and just pay a lump sum to get rid of my debt as soon as I graduate. I really don't want to pay high interest rates and have my debt extend for a long period, even if it's has a lower monthly bill. Good idea/bad idea? Any tips? I realize my debt is pretty small compared to others, but it's still stressful. [link] [comments]  |
| Posted: 24 Feb 2018 06:22 AM PST I had this thought yesterday that I feel really dumb not thinking of sooner. Could I if I'm able through my bank get a personal loan need to be around $70k to pay off student loans. I unfortunately wasnt making enough but making too much after I graduated in 2010 to make any kind of payment or get on deferment. I was told by sallie Mae at the time I had to go on forbearance so I did and I ended up using all 60 months of it going from 40k to 60k and for the past couple years I've been on an income based repayment program only able to pay the interest each month. But as I've read they charge interest daily so my thought is a regular personal loan does not and I could have it paid off faster going that route. Hope I'm right but if I'm not please tell me [link] [comments]  |
| How can I get my loans out of delinquency? Posted: 24 Feb 2018 10:59 AM PST Okay, here's the gist of things: I have about 5K in student loans. I am 99.99% sure that I put them into deferment, but when I applied for an home equity line of credit (having a pretty intense structural emergency concerning a retaining wall), I was denied based on my delinquent loans. I just called fed loan servicing and I have about $350.00 that is past due. I was sent an email link for a payment plan. If I pay the $350.00 right now (I can, but I'm honestly poor as dirt), will they be taken out of delinquency + removed from credit? Will the same thing happen if I do the repayment plan? As I just screwed? Any advice helps! [link] [comments]  |
| Posted: 24 Feb 2018 06:32 AM PST I've noticed a lot of hate directed towards Navient, is there something bad about them besides the fact that they manage many of our loans? I don't feel too strongly about them but I like their user interface more that I liked Sallie Mae's. Other than that I don't have strong feelings. I was just curious why so many people feel so strongly about them. [link] [comments]  |
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