I'm lost and don't know what to do. Student Loans |
- I'm lost and don't know what to do.
- "Unable to reasonably access spouse's income"...advice?
- Wrong info on Navient's 1098 form
- HR 4508 eliminates the Public Service Loan Forgiveness (PSLF) Program for new borrowers
- Play a free trivia app to crowdfund your student loan debt
- Going to optometry school.. help my student loan.
- Should I list student loan interest paid on tax return even without a 1098-E?
- 200k in Student Loans: Need Some Advice Figuring out the best approach!
- Student Loan Income Driven Repayment Renewal Notice Disappeared?
| I'm lost and don't know what to do. Posted: 03 Feb 2018 09:32 PM PST I'm in a dead end job that's not in my field, barely making enough to cover loan payments, working so many hours. I'm constantly stressed and hate my job. People at my job are quitting constantly and I have to keep covering. I have massive amounts of student. I want to quit. So bad. This job is making my depression and panic attacks come back, which I haven't experienced in years. But I don't have a back up plan, because none of the places I have applied to have responded. What happens if I just quit with no safety net? Am I completely screwed? I have both federal and private loans. I don't want to give up, but I feel as though I have to, to keep my sanity. [link] [comments]  |
| "Unable to reasonably access spouse's income"...advice? Posted: 03 Feb 2018 08:44 PM PST Hi everyone. I got married last year, and am currently on an income based repayment plan for PSLF. My husband makes significantly less than I do, but our joint income would make my loans skyrocket to the point that I don't even think I'd be eligable for an income plan (and with that, PSLF). We wanted to file taxes jointly, but this is worrying me. My coworker suggested that we file jointly, but when I submit verification to renew my income plan check the box that says I do not have reasonable access to my spouse's income. This is true honestly, because we do not share any joint accounts...the house is in my name (I alone pay the mortgage). So technically speaking, we don't have any access to the other's income. She says that she was told my her loan company to check this box, since she and her husband have separate bank accounts. When she certifies her income, she uses a paystub as directed by her loan company. Has anyone else used this method? It makes me nervous. I know it's likely intended for people separated....but it's written so vaguely. It says to check that box if separated, or if there is unreasonable access to spouse's income. Please let me know if any of you have run into this issue, or used this method to keep your loan payments down while still filing jointly! [link] [comments]  |
| Wrong info on Navient's 1098 form Posted: 03 Feb 2018 10:32 PM PST Every month I pay about $125 in interest on my loans. The 1098 form I accessed online claims I only paid $50 in interest last year. Am I missing something? Is there a different form I should look for, are there different types of interest that can be reported, or is this a miatake? I'm hesitant to call them because I feel like whoever answers will be clueless about this. [link] [comments]  |
| HR 4508 eliminates the Public Service Loan Forgiveness (PSLF) Program for new borrowers Posted: 03 Feb 2018 03:58 AM PST CONTACT YOUR REPRESENTATIVE Now is the time to be engaged! Student financial aid for graduate education is at risk! Congress needs to hear from you as it begins reauthorization of the Higher Education Act (HEA). Now is time to let your House Representative and Senators know that programs like the Public Service Loan Forgiveness (PSLF) Program, GRAD PLUS, and Federal Work Study (FWS) are important to graduate students with financial need and ultimately to the future strength of our nation! Congress is making changes to the Higher Education Act. It is a critical time to lend your voice to the debate. On December 13, 2017, the House Education and the Workforce Committee approved, via a party-line vote, the Promoting Real Opportunity, Success, and Prosperity through Education Reform (PROSPER) Act, HR 4508. This legislation would make significant changes to the federal student financial aid system. The proposed changes would negatively impact accessibility to and affordability of post-secondary study, especially graduate education. HR 4508 eliminates the Public Service Loan Forgiveness (PSLF) Program for new borrowers, eliminates the Grad PLUS loan program, imposes lower student borrowing limits, and ends graduate student eligibility for Federal Work Study (FWS). These are just a few of the proposed changes that will hinder access to graduate study. [link] [comments]  |
| Play a free trivia app to crowdfund your student loan debt Posted: 03 Feb 2018 08:22 PM PST Givling is a crowdfunding trivia app that pays off student loans! 🐻 Up to $50k in students loans or 25k for mortgages! It's like the lottery but it's free and you have much better chances at being randomly chosen! Download the Givling App and sign up today using #givlingcode JZ159683. Then follow them on Facebook! And play your free plays everyday! The next random drawing is happening very soon! Get in on the action! [link] [comments]  |
| Going to optometry school.. help my student loan. Posted: 03 Feb 2018 03:59 PM PST Hi guys, I'm going to optometry school this year after few years of working in IT. I do not have any savings as I spent a year using it study for admission exam. I only have 401k and I don't think I wouldn't touch that. I'm not expecting any money from my parents (possible but I'm not expecting). I have excellent credit score with history. $251,848 is estimated full attendance budget for 4 years. $138,500 is maximum amount you can get from Stafford Unsubsidized Loan for graduate student. $115,000 is amount that I need to borrow after the Stafford loan. I'm looking for low APR/reliable/re-financeable private student loan company to get $115,000 loan. Do you guys have any suggestions for the loan company/plan? Thank you guys a lot. [link] [comments]  |
| Should I list student loan interest paid on tax return even without a 1098-E? Posted: 03 Feb 2018 09:51 AM PST I received my 1098-E from Nelnet however, in October last year my loans were transferred to FedLoan because I'm doing PSLF. FedLoan gave me the amount of interest I paid to them but not a 1098-E because it wasn't that much. Do I still list this on my tax return? [link] [comments]  |
| 200k in Student Loans: Need Some Advice Figuring out the best approach! Posted: 03 Feb 2018 09:06 AM PST Hey folks, I just got out of school and am looking to start tackling my student loans. I'll just start off with presenting the loans: Loans ( all Private Loans)Current Balance: $30,700.96 Interest Rate: 3.625% Current Balance: $27,084.17 Interest Rate: 3.250% Current Balance: $21,900.46 Interest Rate: 8.000% Current Balance: $21,300.18 Interest Rate: 6.1250% Current Balance: $31,161.35 Interest Rate: 8.375% Current Balance: $59,181.43 Interest Rate: 7.180% Current Balance: $11,510.68 Interest Rate: 3.99% Total Balance: ~ $202,000 at a 6.175% average interest rate I've read that it's useful to use an avalanche approach to this (paying off higher % first and so on) and I've checked out unbury.us to help me calculate which ones to pay when. However, I was curious about my refinancing options. I got free quotes from SoFi and other refinancing services and I think the best that they offered was about 4% interest with about a $2500 monthly payment option. Now, I also have been offered the option by my parents to take a loan that will leverage their house. Basically, the offer is: a $2500 monthly payment with only a 1.5% interest rate. Is this something I should seriously consider? I am very fortunate to be working in an industry where new graduates make a stupid amount of money. I am making about $6500 per month after taxes, of which, about $3500 will go to savings (or my loans). I will be decreasing my monthly cost of living as time goes on, but for now this is what it is unfortunately. How do I go about tackling this? Should I consider the home loan? Also, if I can, should I be throwing in more than the monthly payment for my loan or should I invest the remainder in something else? Thank you so much and I'd love all feedback! [link] [comments]  |
| Student Loan Income Driven Repayment Renewal Notice Disappeared? Posted: 03 Feb 2018 07:20 AM PST This might sound just a little crazy... but in early January, I received an email that it was time to renew my IDR and send in all the new forms, etc. I've done this before. It's the usual yearly renewal. The email takes you to the website for the federal loan servicer and in the "paperless inbox" of the website was the notice with the renewal info. I said to myself, "Cool. I'll get on that next week." The email is gone completely from both my personal inbox and the "paperless inbox" in my account portal of the loan servicer's website. It just vanished. Has this happened to anyone else? [link] [comments]  |
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