Losing aid for weed charge Student Loans |
- Losing aid for weed charge
- Defaulted Student Loans - 11% settlement Offer from Navient
- Betsy DeVos Unveils New Debit Card for Student Loan Disbursements
- Trying to avoid tax offset please help. Xpost from /r/personalfinance
- PSLF Federal Update Video Now Live
- Any way to pay with a credit card?
- One (out of 6) loans I have is in Disaster Forbearance. But I never applied for it.
- defaulted student loans what are the possible way to pay it off
- Laurel Road Refinancing?
- Credit score drops 100+ points after update on student loan
- Owe school, can't get transcript
- Need any advice for my MEFA/Conduent Education loans... I’m all out of options.
- Physical therapy school
- Loan Rehabilitation Summary?
- Perkins Loan Collections
- Is this a good idea?
| Posted: 07 Feb 2018 04:40 PM PST Just got a 25$ civil infraction for possession in an illegal state. I heard that this can cause you to lose federal aid, is that really the case? [link] [comments]  |
| Defaulted Student Loans - 11% settlement Offer from Navient Posted: 07 Feb 2018 01:01 PM PST All of my student loans are in default; $250k in total. I graduated in 2010 with my masters and for years couldn't get a job and thus became more in personal debt. For the past three years, I've been working at a great and stable job making 50k/year. For the past 1.5 years, my wages have been garnish for about $800 per month. After paying off all of my personal debt, I'm now in a position to focus on my student loans (and hopefully buy a house soon). I recently received a number of letters from Navient saying they'd settle my student loans for about 11% total, and the offer will expire at the end of Feb. I obviously don't have the $26k to dish out at the moment, but since I was going to attempt to start paying off my loans anyway, this seems like an offer I can't pass up. My questions: (1) Can I ask my bank for a personal loan to pay this settlement amount? (2) If not, can I consolidate all of my student loans in order to no longer be garnished, and perhaps pay less than I'm currently being garnished? [link] [comments]  |
| Betsy DeVos Unveils New Debit Card for Student Loan Disbursements Posted: 07 Feb 2018 06:55 PM PST What do you think of this new program to limit disbursements of student loan payments? Seems like every time the fed.gov try to change programs they make things worse https://studentloanhero.com/news/betsy-devos-unveils-fsa-payment-card/ [link] [comments]  |
| Trying to avoid tax offset please help. Xpost from /r/personalfinance Posted: 07 Feb 2018 08:49 PM PST I am a 21 year old (f) Cancer Patient who has a disability. My student loan bills for one of my loans were being sent to the wrong address and I never realized that I was missing them. I had wrongly assumed that I was still in the grace period so I never bothered to wonder why I wasn't getting bills. I found this out earlier this week and this evening sent in the e-app to consolidate my loans with an IBR through FedLoan. The total amount that is due is 20,000 and I am unsure how much was in default but I'm assuming the worst. My tax return was filed on Feb 2nd. Needless to say I don't make very much money, I am responsible completely for my disabled father and my little sister and I am expecting a return of about 3,700 which would cover our rent and expenses and allow me to continue cancer treatment. Is there anybody I can speak to or anything I can do from here to prevent my return being taken. I know that its down to my mistake and distractions that this has happened but If I have to come up with money or anything I will do it, if I don't get this refund me and my family are going to be on the streets by the end of March and I am terrified. The IBR repayment showed me as paying 0 dollars a month for 10 years. I'm not sure what other information may be relevant but this is certainly a financial hardship. From everything I can find online it says I should've received notice that they were going to flag my account for offset and give me 65 days to contest but I again never recieved this, and I don't know this is by fault of my own or not updating an address properly. When I contacted the number which allows you to find out if your taxes will be offset, I was told I had 1 debt, that it may be offset and I'm assuming in this context that may is as good as will. In my taxes I filed as Head of Household, and I did include my disability and I was eligible for the student credit as I am enrolled in community college. What can I do please help. Thanks for your time reading I am sorry for formatting or scattered thoughts I am just honestly in an incredible panic. In the previous thread someone suggested I can talk to the lender perhaps about hardship or appeals, I'm not sure if this would be the DoE or the collections agency associated now. [link] [comments]  |
| PSLF Federal Update Video Now Live Posted: 07 Feb 2018 02:05 PM PST As requested, I'm returning to share the session video links for the 2017 Dept. of Ed. Federal Student Aid conference. This includes an hour-long breakdown of PSLF. Keep in mind that this was a session presented a couple months ago. All conference videos can be found on the 2017 Video Site. You have to click the top banner and then scroll to session #21. FYI - If this sounds boring, then imagine having to sit through these types of sessions for 4 days... woo. [link] [comments]  |
| Any way to pay with a credit card? Posted: 07 Feb 2018 10:47 PM PST I have a no interest card which is a promo and was wondering if there's anyway to be able to use this to pay a loan? Ma isn't only takes checks or cards linked to a bank account but wasn't sure if there's any work around. [link] [comments]  |
| One (out of 6) loans I have is in Disaster Forbearance. But I never applied for it. Posted: 07 Feb 2018 04:33 PM PST So I have a few student loans because my school released financial aid once per quarter (aka 3 times a year). I have been paying my loans off since November in the $1000-900 range a month. I am trying to be aggressive and finish payments quickly. I forgot about this month (February) and just submitted my payment. but yesterday I received a letter saying one of my loans is in Disaster Forbearance. I never applied for this and even though I live in SoCal, the fires and floods didn't affect me or my job. Unfortunately when I try to call Fed Loan Services are closed "due to weather affects". Is there anything I can do to reverse this? or should I keep it and make my payments as per usual? [link] [comments]  |
| defaulted student loans what are the possible way to pay it off Posted: 07 Feb 2018 11:49 AM PST Hi i had my student loans defaulted in 2016 because of financial troubles and i had recently been improving in life and want to fix my credit score so i can buy a house in the future. now im wondering if i should pay my student loans off in full to not pay the correction fees or should i enroll in the rehabilitation program and then pay in full after? and i was wondering if i pay in full after the 9 months would i still be able to avoid the correction fees? plz help [link] [comments]  |
| Posted: 07 Feb 2018 03:31 PM PST Hi! Does anyone have experience with Laurel Road? I've gotten so many quotes over the past day or so for refinancing, and theirs is by far the lowest (4.5% 7 years). SoFi is quoting me at 5.7% in the pre-approval stage. The only lowest offer I've gotten is 5%... Their site says the fixed rate is subject to change at anytime, so I dont want to wait too long to accept. Before I accept the offer though and move forward, has anyone had any issues with them? They seem to have gotten good reviews. The only downside is they only allow forbearance on a case-by-case basis (not that I anticipate needing it...) Thanks!! [link] [comments]  |
| Credit score drops 100+ points after update on student loan Posted: 07 Feb 2018 02:34 PM PST I have had Student loans (Subsidized & unsubsidized Federal loans) for almost 2 years now and my credit score was never impacted by them. It wasn't until recently when I checked Credit Karma that I found my score had drop from 722 to 611. The only reason being that my loan accounts were updated to reflect this semesters' allocated amount to be used(increased loan amount). This happened last year but my score was not affected at all. I was just wondering if anyone else has gone through this or if this is normal. My loans are all still deferred. [link] [comments]  |
| Owe school, can't get transcript Posted: 07 Feb 2018 02:22 PM PST I attended Colorado State University and got my BA using my GI Bill. I continued working on a BS using student loans. I eventually determined that program wasn't right for me so I switched programs to finish up another BA which would have helped get me into a grad program I was interested in. I started taking summer classes but shortly in I decided that it would be best for me to focus on work and take a break from school. So, I dropped my classes. I still owed money, whatever, I expected that. What I didn't expect is that I would be unable to drop my Fall semester classes that I had registered for in Spring due to a financial hold. I went to financial services, they told me to go to the Registrar's because they would "drop any class, any time." I went to the Registrar's, they told me that I had to submit the request in email and they would be able to drop all but one class, I would need to complete an intent to withdraw form, and dispute the charges through their website. I did this. I'm not going to pretend that I have no fault on this, I should have been way more proactive. I never heard back about the dispute. Now, I'm trying to get an official transcript for a work application. I cannot do that due to this financial hold. When I went in to discuss this today, they advised me that they do not offer payment plans and my only option is to try to get an alternate loan. I called Well's Fargo and they advised applications for this type of loan must be filed within 30 days of losing enrollment status and I am outside of that window. Do I have any options or am I just sort of screwed? [link] [comments]  |
| Need any advice for my MEFA/Conduent Education loans... I’m all out of options. Posted: 07 Feb 2018 02:02 PM PST So I have 1 sallie mae loan balance $1,500 and a $75 payment a month 1 Navient loan with my subsidized/un subsidized loans squished together. Balance is $23,000 I pay $216 a month 3 (originally MEFA) but now Conduent Education loans used to be on a repayment plan (paid half of the amounts below per month) but that ends this month (it was only allowed for 24 months now its done) and the monthly payments are doubling and I can't afford them. Account 1: $36,000 balance $510/month Account 2:$70,000 balance $833/month Account 3: $37,000 balance $399/month The conduent ones are the ones I can't pay and they offer no other repayment plans as I "used up" the 24 gradual repayment option. They offer no other assistance or options and said that if I don't pay the obvious will happen 30 days blah blah blah I have a 690 credit score and a credit card with a $2000 balance I pay like 25$ (the minimum payment) towards a month cuz I'm poor. I'm getting a $1,900 tax return in a week and I'm using that to pay for Februarys loans as they just doubled. Everything is current and I've never missed a payment but the HUGE conduent loan is due 2/28 and I don't know what to do I make like $39,000 Already applied for refinancing for the 3 accounts but was denied by mefa consolidation. Then tried just doing account 1 and 2 so it would be less but still was denied by Wells Fargo. My father co signed but didn't help. Both my parents won't pass as co-signers they have too much debt/loans out themselves. Does anyone have any advice on what I could do? At the end of my rope here! [link] [comments]  |
| Posted: 07 Feb 2018 08:38 AM PST Good afternoon everyone! So this June I will be starting my Physical Therapy education. Over the course of 3 years it will cost 108k (trust me this is my 2nd year of applying and tried for cheaper options just didn't get in as of yet). Other than filling out the FASFA application what is my next step? I found that government loans will only pay up to 20,500 a year? If so this would mean I would then have to start taking private loans for what's left over? Just looking for general advice on the steps to take in order to do this process correctly the first time. Thank you for your time and any thoughts you may be willing to share! [link] [comments]  |
| Posted: 07 Feb 2018 05:57 AM PST Does anybody have a good resource to explain how loan rehab works? Or personal experience? My husband lost his job about 2 1/2 years ago. He tried hanging his own shingle, but it has not worked out well. All of his credit cards and student loans are in default. He didn't really make any money in 2017. He's depressed and hasn't really tried to do anything for the last six months. He has told me he's not really interested in finding a more traditional job at this time. With that background (and trying to put my personal frustrations aside), I want to get his loans back on track. He is not in shape to handle this, so I'm trying to help. I don't really know where to start. How does it work? And for a more selfish follow-up question, we are going to file jointly for the first time this year. Will his loan defaults affect me? Will the govt take our refund or can I file an injured spouse form? I know I'll start having to pay towards his loans too, but our income will still be the same so I don't think the total payment amount should go up. How will the payments be applied across our respective loans? [link] [comments]  |
| Posted: 07 Feb 2018 11:32 AM PST So I've been stupid and ignoring my Perkins loan. Well yesterday I received a call and a letter in my mail that it has been passed onto collections. I know that I can't pay the amount that they're requesting and I had read in other threads that working with them can get it reduced (which I might be able to pay). The biggest question that I have at the moment is related to when the loan moved to collections. My last payment was July 17'. It moved to collections after about 7 months. I had read online somewhere that for federal loans they couldn't default on them until after 270 days link. Does anyone know if this applies to the Perkins loan? Is there anything I can do with this to get it brought back to the original creditor and not in the hands of the collection agency? Any advice would be greatly appreciated, thanks! [link] [comments]  |
| Posted: 07 Feb 2018 09:12 AM PST Hello My question is - should I request for a lower payment to apply more to the principal? Here is my break down: $7,695.51 @ 6.5 $10,398.56 @ 6.5 $7,737.89 @ 6.5 $3,589.19 @ 6.5 $10,801.63 @ 5.1 $3,869.13 @ 6.5 Right now my monthly payment is $630 which applies to all loans on the 15th of each month. I also pay an additional $1,000 broken down from $500 on the 5th and $500 on the 20th of each month. Based on this rate I will be done in a little over 2 years. Now would it be wise to make the request to extend the repayment to lower the monthly $630 or look for a different repayment plan? [link] [comments]  |
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