- My nephew was hit by a car and has a long recovery ahead. He is in college and can’t attend for at least a year. Will his student loans kick in if he doesn’t re-enroll and what recourse do his parents have?
- When should i start applying for student loans? Where do I start I'm confused on what to do.
- What Can Be Done?
- Student loans before I move out?
- Has anyone else not been provided a 1098-T by Heartland ECSI?
- Not as advertised
- About to recertify IDR: Should I wait to make larger payments?
- My variable rate loan just went up 0.8%, getting nervous!
- Owe $134K. Make $10/hour. I can't afford to live.
| Posted: 10 Mar 2018 11:22 AM PST |
| When should i start applying for student loans? Where do I start I'm confused on what to do. Posted: 10 Mar 2018 08:33 PM PST I'm currently a senior in high school and I just got my acceptance to my (First choice) Cal Poly Pomona. I need to take a student loan for all 4 years there and it'll have to cover the full price. I will be getting a part-time job, but obviously, that won't be enough. So I'm wondering do I get a loan now? Or do i go to school first... I'm very confused guys:( Also, I am from the U.S. if that helps [link] [comments]  |
| Posted: 10 Mar 2018 04:35 PM PST I realize that this is not the first avenue one should normally turn to when inquiring about taking care of one's student debt. However I'm simply trying to do what I can to help out my girlfriend (and soon to be fiance, finally got enough saved up for the ring). She's in a pickle. During the time she was in school, she would make sure every payment for her student bills and any loans was taken care of right away. This was also years ago, back in the mid-2000's. Years pass, and last fall, she get's a steaming pile dropped in her lap by the state department of education. They say, she never paid it off, that it's just been sitting there like some unsightly heap all these years. Fact of the matter is, she and her folks saved every single document, every bank statement, every letter pertaining to paying and having paid off installments of her student loans and any additional monies related to same. She is fighting this, but the state government (just going to come out and say it...the state government of Illinois) are being utter rotters about the whole thing, insisting that it's not paid off, when I've seen and personally gone through every last piece of paper that says otherwise. So what can be done? They aren't making any sort of legal threats but with this horse-hockey hanging over her head she can't do things like buy a passport. Which is highly lousy because I want her and I to get them so that as I keep putting aside into my accounts, I can take her to either England or France for the honeymoon. So...what say you oh fellow redditors? What can be done to deal with the situation of a pile of papers that say and in fact prove she paid off all student debt, and a state government that is claiming otherwise? [link] [comments]  |
| Student loans before I move out? Posted: 10 Mar 2018 03:50 PM PST I just graduated college in December and have my first full time job but not making much (40k). I have 15k in student loans that are still in grace period for 3 more months, although I've still been making payments. I drive 45 minutes each way to work and was wanting to move closer so I don't put so much wear and tear on my car and plus gas costs. My loan payment will only be $150 when they officially start - but do you think I should knock out this full $15k which will probably take me nearly a full year of living at home and commuting - or would moving out be okay to be closer to work? COL is cheap here (also low pay). An apartment will cost $500/month rent + utilities but I would get a roommate to split that in half. I know the answer is probably pay off the loans first - I don't even mind living at home it's just the drive that kills me. [link] [comments]  |
| Has anyone else not been provided a 1098-T by Heartland ECSI? Posted: 10 Mar 2018 09:25 PM PST It is March 11th and I still have yet to have received a 1098-T from Heartland ECSI. This company is the absolute worst. I thought there was some sort of obligation these companies had in order to provide these by a certain date?
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| Posted: 10 Mar 2018 07:19 PM PST Has anyone refinanced their student loans and received rate estimates close to the lowest advertised rates? My credit score is just below 800, salary around 60k, retirement + investments over 30k, and low debt-to-income living with my folks. I inquired about rates with Earnest, SoFi, and Lendkey who all advertise rates starting in the mid 2's and received offers beginning at 4.9%. Communications with each service provider only revealed that their estimate calculations are proprietary and they can't tell me why I didn't receive better rates. Is anyone who received the lowest advertised rates comfortable sharing their financial stats as a barometer of what these companies are looking for? [link] [comments]  |
| About to recertify IDR: Should I wait to make larger payments? Posted: 10 Mar 2018 09:52 AM PST I'm currently on an Income based plan, which has me paying $0/month. However, I'm trying to tackle these loans with whatever extra I can this year, and I want to put down about $250 to get my unpaid interest down to zero and start paying towards the principal. I'm wondering if it would be best to wait until my recertification goes through before making larger payments (goal is at least $200/month) in case that makes it look like I can afford a bigger monthly payment, if that makes sense. I like being on the IDR because I can just make a payment towards any loan I want (without being required the minimum amount towards other loans, like the lower interest ones) and it's nice to know that I can skip a month if something comes up. For reference, I make about $23K yearly, after taxes. (My husband and I earned $35K together last year, but do not share finances, and his income will drop considerably this year with him returning to school part time.) I owe roughly $16K in federal loans with interest rates between 3.86 and 4.66. My goal is to tackle my higher rate unsubsidized loans first and hit the others afterwards. I am just getting started on these loans after about 2 years on the $0/month IDR, so any advice is immensely helpful! Thank you! [link] [comments]  |
| My variable rate loan just went up 0.8%, getting nervous! Posted: 10 Mar 2018 02:43 PM PST Hi folks! I have two student loans with private lenders, one variable and one fixed. Until now, I was confident in my ability to pay off my variable interest loan before the percentage caught up to the fixed rate of my other loan. I am getting a bit concerned as the number rises. Should I refinance again to a higher fixed rate or be patient and hope the LIBOR flattens out this year? [link] [comments]  |
| Owe $134K. Make $10/hour. I can't afford to live. Posted: 10 Mar 2018 01:21 PM PST Yes, I have been trying to find a job that pays more, but nobody wants to hire me, either for things related to my field (graphic design) or things unrelated. Yes, I have tried looking for a second job and it has never worked out because employers don't seem to understand or care that I have a day job. It took me several years of looking to get the job I have and while I love it and know exactly what I'm doing, I can't afford to live on what they pay me and there is no chance I'll ever get promoted or get a raise (or at least not a significant one, maybe a few cents more per hour). Like I can't even afford to live with a bunch of people, let alone on my own in a cheap apartment. I also can't afford to move away to a larger city to try my luck there, though I imagine it wouldn't do me much good since a higher salary often means higher costs of living and I may still be unable to afford to live. I need to get out of my parents' house. Both of them are mentally abusive toward me and I am well past the age where I should have moved away from home. But I just can't afford to. As it stands, I bring in $1200 a month and $550 of it goes to just my private loans (thankfully the federal ones are in IBR and cost nothing), which comprise $70K of my total $134K of debt. I've asked my lender to lower my payments, apply payments to the balance rather than the interest and to validate the debt, all of which they refused to do because private lenders are assholes. I can't default on purpose because my parents are my cosigners and they'll harass me if they start getting collection calls because they're retards and think that a student lender can take their home and property like a bank can. I can't handle them treating me worse. As it stands, my options are: suicide, winning the lottery or becoming a hacker and deleting my debt from the lender's system. I don't want to do forbearance because it's just a short-term fix that will result in a higher monthly payment and I need a long-term fix. My lender already raises my payment several times a year as it is. I don't think I could settle either since the amount of money I have saved up is only about 15% of the private debt. I'm hoping to set up a consultation with a bankruptcy attorney just to find out more about what I could possibly do if filing chapter 7 or chapter 13 could be an option. Is there anything else I can possibly do? I know there's not a fix-all answer, but any tidbits that could help me that I didn't mention? [link] [comments]  |
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