Are student loans ruining anyone else’s life? Student Loans |
- Are student loans ruining anyone else’s life?
- DEBT FREE
- Debt sentence [need advice] ?
- Final payment on a loan Fedloan
- Student loan for semester in 2016
- Brother is swimming in loans - is there any way to get some of this loan/interest reduced with a lump sum payment?
- Should I pay off my student loan ($6400) or settle for $2500?
- student loan interest amortization
- ELI5: Federal REPAYE total amount is less than what I actually borrowed--why?
- Private Student Loans
| Are student loans ruining anyone else’s life? Posted: 31 Mar 2018 09:38 PM PDT Low key considering defaulting on them because even with shit credit and my current salary, everything would still be okay. [link] [comments]  |
| Posted: 31 Mar 2018 09:22 PM PDT Rejoicing in the fact that my husband and I just wrote the final check for his student loans...it took 20 months of no fun and pinching every penny we earned/found/picked up off the ground, but we paid off all $35,000. At ages 24 and 22 respectively, we are DEBT FREE except our mortgage!! [link] [comments]  |
| Posted: 31 Mar 2018 12:29 PM PDT Forgive me for not really ... knowing much, but I have sub. and unsub. federal loans in "delinquency" (I thought cornerstone was a scam for like 2 years because I'm clueless). I'm 20, mentally ill, no job, homeless and living in my girlfriend's car, 50 bucks in the bank left, phone bill to make me hit the negatives soon, severely suicidal over all this, and I have not the smallest idea on how to go about loan forgiveness or any option when I haven't even made one payment yet. Any advice at all would be useful, but just uh, please don't be mean to me. Thank you ! [link] [comments]  |
| Final payment on a loan Fedloan Posted: 31 Mar 2018 07:03 AM PDT So in a first for me I just paid of the one of my student loans (I have different loans for my years of school). I thought I entered the full balance amount, but today see that loan at $1.22 (possibly interest on no principal). Is there something special you need to do to retire the loan (this is early paydown btw)? I see a loan payoff option but thought that was for lump sums across all loans. [link] [comments]  |
| Student loan for semester in 2016 Posted: 01 Apr 2018 12:59 AM PDT Is is possible to take a student loan for a semester in 2016? I haven't been able to attend school since they will not release my transcirpt, and my parents bailed because they were unhappy with my gpa. I'd like to attend school again but I can't without paying this off. Am I able to take a loan out for this retroactively or am I screwed? [link] [comments]  |
| Posted: 31 Mar 2018 02:26 PM PDT My brother attended school and failed to complete his degree. He has no job and is currently receiving Medicaid (but no food stamps as he is living with my uncle and me) Ive read a lot about lump sum payments and how they may be used to reduce some of the costs of his loan From the PSA it says do NOT use any lawyers or companies to do this for you so I came here after researching ( i have absolutely no idea what some of these terms even mean and my uncle knows nothing as well) My uncle is wondering if he pays a lump sum payment if he can get a percentage of the principal or interest forgiven His loans are classified into four different categories. 1. DIRECT STAFFORD UNSUBSIDIZED2. DIRECT STAFFORD SUBSIDIZED3. FFEL STAFFORD SUBSIDIZED4. FFEL STAFFORD UNSUBSIDIZEDLoans #1 and #2 Current Servicer DEBT MANAGEMENT AND COLLECTIONS SYSTEM U.S. DEPARTMENT OF EDUCATION P.O. BOX 5609 GREENVILLE TX 75403 Loans #3 and #4 Current Servicer: NAVIENT SOLUTIONS, LLC. Current Lender DEUTSCHE BANK ELT NAVIENT & SLM TRUSTS 11600 SALLIE MAE DR,DEB SOUTHERLAND Current Guaranty Agency USA FUNDS, INC. 2401 INTERNATIONAL LANE He owes roughly 100K principal and 20k in interest, if anyone can give me some assistance or knows of someone who has paid in a lump sump and gotten a "discount" (lol) break on what they own I would greatly appreciate it EDIT: UPDATE: Here is some more info i failed to include There are a total of - THREE Direct Stafford Unsubsidized Loans
In the Original Post I referred to them as 4 types but in reality there are 8 separate loans in default that fall into the above four categories. Is it possible to negotiate a settlement on ALL loans at once or would my uncle need to negotiate a settlement on each loan separately?** [link] [comments]  |
| Should I pay off my student loan ($6400) or settle for $2500? Posted: 31 Mar 2018 10:14 PM PDT My student loan was sold to a company who offered to settle the debt for $2500. The student loan company told me if I settle with the other company the mark will be on my credit report for 7 years (this debt has existed for a while, so I don't know if this is an additional 7 years to the day I pay the $2500, I am assuming so.) If I want to remove it from my credit report, I need to pay 9months worth of student loans before I can attempt pay the whole thing off. I am not sure what is the better option to do. My credit is lower average, 630s. I have been making steps to repair it. Any advice is much appreciated. [link] [comments]  |
| student loan interest amortization Posted: 31 Mar 2018 12:23 PM PDT Does the interest accrue each month, and then get amortized down, or do they load the interest at the beginning? Essentially what incentive to pay off fast is there? [link] [comments]  |
| ELI5: Federal REPAYE total amount is less than what I actually borrowed--why? Posted: 31 Mar 2018 06:12 PM PDT Everything is in the title, but as for my personal circumstances I logged into my account and was shown the following: Amount: $~35k Rate: 4.4% I've budgeted for monthly payments for anywhere between $700 and $1000 after graduation in 6 weeks, including the grace period. What I don't understand is that to get that amount as apart of the REPAYE plan, I have to earn around 100k (which I'm not), but it says that I would pay less than $30000 in total. I want to do this plan, but it seems too good to be true--also, I will not be making that salary (yet [hopefully].) tl;dr if my balance is 35k, how is it possible to only pay 30k with REPAYE? Or am I reading this wrong? [link] [comments]  |
| Posted: 31 Mar 2018 08:51 AM PDT I'm a community college student transferring to a 4 year university. From the school I am transferring to I have been offered: •$5,500 subsidized •$2,000 unsubsidized •$20,000 parent plus Cost of living/tuition/fees etc. is estimated to be right at $27,500. However, my parents will not qualify for the PLUS loan due to past bankruptcy. So, I'm thinking my best bet is a private loan. Is this my best option? How do I go about getting a private student loan? Do I need to talk to the school I'm at now or the school I'm going to? [link] [comments]  |
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