teacher loan forgiveness when to apply? Student Loans |
- teacher loan forgiveness when to apply?
- PSA - Check your Student Loan Account but don’t be alarmed if you see a huge payment due!
- Does the grace period for student loans begin during the summer months?
- Advice for Getting a Loan w/o Cosigner & New Credit
- Repaying student loans as undergrad
- Refinancing ~90k with low credit score/income
- PSLF Only Greatlakes Loans were moved
- Citizens Bank has given me conflicting info on refinancing student loans that has fucked me over.
- If I start paying during the grace period will my monthly payments be lower when its time to actually start paying?
- I'm returning to school in the Fall, federal student loan payments due in July. Do I have an option to extend it so I do not have to pay?
- Loan Holder Unemployed, Keep Getting Rejected for Refinance
- Freaking out
- Need advice on how to help GF approach refinancing options for Navient loans.
- 'Graduating' from MPA program in December 2018 but don't complete degree until June 2019?
- Shopping refinancing rates
| teacher loan forgiveness when to apply? Posted: 30 May 2018 05:08 PM PDT Hello, I'm about to start my third year teaching at a low-income school. I was wondering should I put in the paperwork now or wait until I'm done in five years? Also, what does it mean to be "highly qualified"? I have my first issuance license and I teach secondary science. Thanks all. [link] [comments]  |
| PSA - Check your Student Loan Account but don’t be alarmed if you see a huge payment due! Posted: 30 May 2018 03:08 PM PDT I just got off the phone with my Student Loan provider (Great Lakes). I graduated in 2012 from Carolina and still owe a little bit left on my loans. Anyway, I got an alert for payment past due on their app. It was a huge amount! I pay 6 months ahead so I was seriously alarmed and called them immediately. Turns out the Department of Education are checking accounts and all previous payments were set as pending. If you see a larger than usual payment, that might reflect a total of all the payments you have previously made + your current monthly payment. Customer support said that when they do this your account will return to normal after 48 hours without it affecting interest or your credit. Just a heads up if you see what I saw! [link] [comments]  |
| Does the grace period for student loans begin during the summer months? Posted: 30 May 2018 10:05 AM PDT I was thinking about taking a semester off from school this upcoming Fall, but I was curious about the grace period for my student loans. I have Federal subsidized and unsubsidized loans and my mother took out a Parent PLUS Loan for me. I'm home for the summer. Does the grace period begin during this time? If I wanted to take time off during the Fall, would my grace period be used up? [link] [comments]  |
| Advice for Getting a Loan w/o Cosigner & New Credit Posted: 31 May 2018 12:30 AM PDT I just finished my freshman year of college and ended up with a bill of $6000 because one of my scholarships was removed midway through the semester because I fell beneath the GPA requirement (need a 3.5, had a 3.4). Anyway now I can not register for the next year of Fall 2018 because I owe the school money. I currently have a credit score in the low 600s and have been working to increase it since last August... I am the sole provider for my education and can not ask anyone to be a cosigner (family has bad credit history). I have a Chase bank account and an account with a local credit union in my state but I don't know whether either of them would be willing to help me get the funds. My FASFA awarded me Direct loans but not Perkins, can I get qualified for it and apply it to a past balance? What should I do? [link] [comments]  |
| Repaying student loans as undergrad Posted: 30 May 2018 06:45 PM PDT As the title says, I'm considering repaying my student loans while still in school. I got a bunch of scholarships for next semester and I'm curious if I can use the remainder of the money to pay my loans. Thanks for your response! My question though is that am I allowed to use the remainder of a scholarship to pay off my student loan? [link] [comments]  |
| Refinancing ~90k with low credit score/income Posted: 30 May 2018 02:08 PM PDT I know refinancing is the best option for me but I don't think it's possible at the moment. I'm currently paying $450/month on my private student loans and this is on a reduced interest plan with Navient. They've reduced the interest from 15-16% (!) to 4.5% but I know this is not a permanent solution and they keep giving me conflicting answers on how often/how many times I'm able to use this reduced interest plan (does anyone know the truth on this??). I have federal loans that I am not currently paying on because my job pays for 2 classes/semester and which me to stay in school part time and defer (I don't need another degree, I've already finished 2 programs and I'm sure my job wont do this forever either). And once I decide to stop that and start paying I'd be hoping for PSLF (I'll cross this bridge when I come to it). My income is only 67,000 and I live in a major metropolitan area where the cost of living sucks up most of that (hoping to find a flexible part time job because my hours aren't ideal and I have to travel for work). I tried CommonBond to see what my rate would be but my credit is only at 679 right now. I'm working to pay down my debt and get my debt to under 30% (it's at about 57% right now). CommonBond says I can get a cosigner but my parents aren't exactly in the best financial position either and I don't really have anyone else that would do that for me. Does anyone have any experience or ideas on what I can do? If I pay down my debt/increase my credit score to >700 would that change my chances or do you think my low income would still be a big hit to my chances? [link] [comments]  |
| PSLF Only Greatlakes Loans were moved Posted: 30 May 2018 10:20 AM PDT The majority of my loans were moved to myfedloan under PSLF, all Greatlakes loans were moved but it seems the two loans I have with AES were not moved. Does anyone know why and what I should do with this? The same loans from 2009 in Greatlakes were moved vs those in AES from 2008 The 2 remaining loans are:
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| Citizens Bank has given me conflicting info on refinancing student loans that has fucked me over. Posted: 30 May 2018 12:39 PM PDT I called up CB a few weeks ago about looking into refinancing my loans. They said that as long as I have a co-signer, I can get my loans refinanced even if I haven't made a full year of on time payments and if I didn't graduate. That sounds like a miracle to me since I not only didn't graduate but my grace period ends coming up next month. I told the rep this info and she said none of that mattered if I had a co-signer. So I called them up today to ask more questions since it seems like CB is the choice to go. I was then told, by the same rep, that what they really meant is that they could refinance my loans through a Parent Plus loan. Meaning my co-signer now makes the payments, not me. They will only refinance my loans, with me making the payments, if I make a full year of on-time payments. It's financially impossible for me to go back to school to finish up the last few classes I need because of how expensive the school is. I mean I could take out more loans through CB themselves to pay for these classes so I could get my loans refinanced sooner, but that would only put me into even more debt since not all of my credits would transfer over. If anybody finds out about any banks/groups that allows you to refinance your loans at any time, with a co-signer, and not having to made a full year of on time payments, please let me know ASAP. [link] [comments]  |
| Posted: 30 May 2018 02:19 PM PDT I recently graduated and entered a grace period that ends in December. Im thinking about starting to knock out some payments(all in 12k), and I wonder will my repayment history be calculated based on the original 57k amount, or will it be based on the 45k starting payment in December? For what its worth they are all Federal(sub and unsub) in the 4% range. [link] [comments]  |
| Posted: 30 May 2018 02:15 PM PDT |
| Loan Holder Unemployed, Keep Getting Rejected for Refinance Posted: 30 May 2018 04:21 PM PDT So, my wife currently owes about $48,000 on two loans at about $24,000 each, but both at 8.5%). I am the cosigner on the loan. My wife is a permanent resident who currently does not have much of a credit score (we're working on that, but it's going slowly). She also currently serves as a homemaker with the baby, while I work full time. I make decent money and I have an excellent credit score, but we generally get rejected before even getting to that stage. This means that every time we try to refinance/consolidate the loans, we keep getting rejected. Does anyone have any advice as to how to handle that kind of situation? We've tried SoFi, Credible, and Laurel Rd. No dice with Earnest due to the original loans being with Sallie Mae. I've talked to a few credit unions in the area, but their rates are either ridiculous or the amount they will risk loaning me barely makes a dent into the overall debt. Thanks in advance for any advice you can offer. [link] [comments]  |
| Posted: 30 May 2018 03:47 PM PDT I can't work anymore due to illness (I do very few side jobs when I can), and I simply cannot afford to pay my loans. If I knew I was going to get so sick I wouldn't have taken out so much for college (how could I have known, though...). I'm waiting on finding out if I get disability (about two more months til I know). If I don't get disability I'm literally screwed. Like really, truly. Is there any way out? My parents are helping me temporarily to get by on some and others are on forbearance, but this really is a temporary solution. I still have like $35k to pay HOW is this ever going to happen?! I also have credit card debt to pay for groceries and medical bills. It's an awful situation. I guess I'm just venting. I'm angry at the hand I've been dealt. I used to make a lot of money when I could work I never thought I would end up here... [link] [comments]  |
| Need advice on how to help GF approach refinancing options for Navient loans. Posted: 30 May 2018 12:15 PM PDT I'm pretty clueless on how student loans work and payoff options. I'm already helping her wittle down her credit card debt and now she wants to know what options she has towards reducing interest on her student loans. Currently she has: *Stafford - Subsidized, $2800 @ 5.6% *Stafford - Unsubsidized, $1800 @ 6.8% *Direct Loan - Subsidized, $1300 @ 4.5% *Direct Loan - Subsidized, $1200 @ 3.4% *Direct Loan - Subsidized, $770 @ 3.4% I'm pretty sure these are variable loan rates. Looking at her payment history, I think she's just been paying near minimum and Navient directs what amount goes towards which loan. If she were to start looking to refinance, what would be a good rate? Her credit score is top notch, something shy of 800. Also, if she were to refinance, would the refi company consolidate all five loans into a single loan with one interest rate? [link] [comments]  |
| 'Graduating' from MPA program in December 2018 but don't complete degree until June 2019? Posted: 30 May 2018 11:29 AM PDT I'm currently in the second to last class of my MPA as an online student at Norwich University based in Northfield, Vermont. One of the tenets of the program is the Residency Conference that takes place every June for all Masters degree programs within the university. My question is, would my grace-period on my loans start in December 2018 or June 2019? I technically finish taking classes in December, but the Residency Conference is a requirement for the degree, as there will be multiple presentations I will have to make and panels/discussions I will need to participate in. I emailed the bursar's office/financial aid and I'm waiting to hear back, I just wanted to see what y'all thought. [link] [comments]  |
| Posted: 30 May 2018 11:13 AM PDT Those of you that shopped refinancing rates and used them as bargaining chips to lower other company's offers: were you using the estimated rate given by each company or were you using the official offer after a hard credit pull? People in both camps: Did you have success in lowering your rates by bargaining? Do you have any advice in using rates to lower competitors' offers? [link] [comments]  |
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