Paid off all defaulted loans, Dept of E not recognizing Student Loans |
- Paid off all defaulted loans, Dept of E not recognizing
- $137K Loans (Private and Federal), monthly payment is to high and I'm not making enough money, please help me out!
- Back to school, loans in deferment. How do I make the most of it?
- How to Refinance?
- Questions about repayment
- Did anyone's Heartland ECSI Perkins loan autopay get canceled without their knowledge/consent?
- Updated MY FSA ID last summer (due to name change). Name still isn't updated on NSLDS. How do I get them to change it? Loan Servicer is deferring to them.
- When does Navient update NSLDS?
| Paid off all defaulted loans, Dept of E not recognizing Posted: 28 Feb 2018 09:24 PM PST I'm back in school years after paying off all loans in one lump sum. I was just notified I've been denied further student aid due to loans in default. I started to dig through fedstudentaid website and sure enough it has one of my loans still chillin in default. I have in writing and records of payment from Debt of E stating my loans being paid off, no longer delinquent etc etc. Contacted Department of E, they told me I needed to contact the loan holder. Well that was not easy. Googled the institution that holds the loan and website is "down for maintenance" (of course it is), and has no email nor phone number I can find to talk to them; only a PO box for snail mail. What the fucking fuck, right? In my letter to institution, what exactly do I say/demand/ask for from them? Written proof? Thanks, good luck out there [link] [comments]  |
| Posted: 28 Feb 2018 11:04 AM PST Hello everyone, I am an American (with that debt, of course!) who has a total of nearly 137K in debt (~100K in private loans, ~37,000 in federal) is currently living in Germany teaching as a freelance English instructor. I make about 1,000 euros a month, if I'm lucky (freelancers always struggle here). However, back in my private university days, I completed a Bachelors degree in History, German Language and Religion, graduating Summa Cum Laude with a variety of honors, achievements, experience, etc. I moved abroad shortly after graduating in 2016, and my parents agreed to defer my loans while I was adjusting to life in Germany and getting a job. A year later and it's time to start paying. I am currently working on getting a better job with a bigger salary, but that's another beast. In the meantime we have applied to refinance my private loans through numerous companies, all of whom rejected us, until one company agreed at a monthly rate of just over 800 dollars a month. In addition to my federal loans, the total monthly loan payment I have to make is just over 1000 dollars (essentially my entire pay-check currently…) so I'm feeling completely overwhelmed and upset. I've read into many options so far, including income-based repayment, but I'm wondering if anyone here may have better advice for an expat who is drowning is debt and can't currently afford such a massive payment. At the moment I feel like I worked my ass off in school for a $100K piece of paper… I would be SO grateful for any and all suggestions!! Thanks in advance! Any help is really appreciated! [link] [comments]  |
| Back to school, loans in deferment. How do I make the most of it? Posted: 28 Feb 2018 01:05 PM PST I am back to taking classes since January and I am planning to continue this for another year. Therefore my federal loans are now in deferment. About 60% of those are unsubsidized and the rest are subsidized. I can still make payments as before. My plan is to make payments still on a monthly basis but instruct Nelnet to apply to a specific unsubsidized loan group, namely the group with lowest balance. Once that is paid move on to the next higher unsubsidized group and so on. My thinking is, govt covers the interest on the subsidized loans so those are on pause. The unsubsidized have still interest which I will cover but then I will also be able to chip away from the principal. Is this a good move? [link] [comments]  |
| Posted: 28 Feb 2018 04:47 PM PST I owe around $40k in student loans right now. They are all private loans at variable rates unfortunately. I have been paying them off consistently, no late or missed payments, when I received a letter stating that my two largest loans had there rates increased by a full percent. At this point, my monthly payments, if I want to hit the principal, go up to the point where I will have little to no disposable income. I am curious if any of you have any advice on refinancing loans to a lower fixed amount? I see plenty of places that say they have as low as 3.25% fixed but no where I have checked will give me lower than 5.5%. I have over 790 Credit so I assumed that this wouldn't be that hard to get but apparently banks are bloody vultures. Thanks guys. [link] [comments]  |
| Posted: 28 Feb 2018 08:24 PM PST First of, sorry if this has been covered. New to the sub. So I have around 30k in student loans. I'm planning on paying 750 to 1000 dollars per month and have it paid off ASAP. My minimum payment is around 400 but I have set up an auto payment for more so I am ahead. My question is should I set the auto payment for my minimum payment and use the extra money to pay to principle only? Do I lose money by setting up auto payment for more then my minimum - really do I end up paying more in interest? Finally I have two loans so should I focus on one at a time?? [link] [comments]  |
| Did anyone's Heartland ECSI Perkins loan autopay get canceled without their knowledge/consent? Posted: 28 Feb 2018 09:33 AM PST I received an email last week (while on vacation--couldn't access my accounts easily) that my payment was past due. Well, how could that be considering I've been on autopay for the last year or so? Apparently it is no longer in place and my 02/10/18 payment of $100 didn't go through. I'd only accessed my account recently to get interest/tax info, and I'm pretty sure I didn't accidentally cancel it. So I am currently waiting (for 8 minutes plus at a time for a response) on their live chat to get it fixed. They were quick to issue a $6 fee on the March statement. As a side note: It's been a nightmare to deal with them. Originally my Perkins loan was serviced by My Campus Loans or whatever it was called, which then went out of business, and the transition from to ECSI has been awful. It's been like 2 years, and they still haven't properly reported my Perkins loan and payments to my credit report (rendering my score lower than it could be). I confirmed with my school last fall that they were "having issues" getting their poop in a group to report payments/accounts to the bureaus. Seems pretty unprofessional to me. Edit: The rep just said "we are not allowed to remove late fees" when I asked to have the $6 fee removed. Um, this was definitely the servicer's fault and not mine for the lapse in autopay processing. If I had been paying manually, that's a different story, but I should have every expectation that autopay should process properly and shouldn't be responsible for a fee, measly as it is. [link] [comments]  |
| Posted: 28 Feb 2018 02:33 PM PST |
| When does Navient update NSLDS? Posted: 28 Feb 2018 01:30 PM PST I paid off some student loans recently: all my Navient loans, plus about half the loans from another servicer. (To update that previous post, Navient did eveutally take the money out of my bank account.) The other servicer has updated my balances on NSLDS, but Navient hasn't. When should I expect an update? [link] [comments]  |
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