I did it!! Over $60k in student loans are no longer hanging over my head! Student Loans |
- I did it!! Over $60k in student loans are no longer hanging over my head!
- Denied Federal Pell Grant?
- 189K in student loan debt, looking for advice
- Almost university time. Household income is over 130k a year. Do I even bother looking into financial aid or anything? Idk how any of this works. Do I apply for student loans before I sign up? Or can I figure it out later? Any input is appreciated. I’m in Arizona and plan to attend NAU.
- To those who finished paying off student loans, how long did it take you?
- How much is too much to get financial aid assistance?
- Paying off student loan during grace period: questions.
- If/when to refinance to variable APR
| I did it!! Over $60k in student loans are no longer hanging over my head! Posted: 08 Jun 2018 06:26 AM PDT It has been 2 years since starting my first post grad job and my grace period. I put over half my take home into my debt from that first paycheck. My motivation mostly came from calculating out how much interest I was accruing per day. I made a spreadsheet and saw that making payments early and often had big effects on my interest accrual. So I lived with roommates, ate cheap, put a pause on travel, got better rewards credit cards, and got some cheaper hobbies. Some of these frugal practices will probably stay with me for life. I am just so happy to get half my income back and use it for other savings goals! Gonna have some celebratory mimosas at home this weekend!! [link] [comments]  |
| Posted: 08 Jun 2018 06:14 PM PDT I was denied the Federal Pell Grant. I am 2 months from leaving the military and applied for a community college and got accepted. I have no law convictions, no degree and will be getting an honorable discharge. My SAR doesn't even tell me why I am denied. Can I get some clarity on why this is? I don't have a degree and will most likely be making minimum wage and will be very poor. Any advice? "You are not eligible for a Federal Pell Grant but you may be eligible for other aid. Your school will use your EFC to determine your financial aid eligibility for other federal grants, loans, and work‑study, and possible funding from your state and school." [link] [comments]  |
| 189K in student loan debt, looking for advice Posted: 08 Jun 2018 06:12 AM PDT I am 33 year old lawyer, paid for my undergrad & law school. Looking for advice on the following: -113,404.00 in direct consolidated unsubsidized, 7.38%, on revised pay as you earn payment plan -36,264.00 in direct consolidated subsidized, 7.38%, also on revised pay as you earn payment plan For the 2 above loans i pay ~530 per month -28,101.00 with Moehlas, this was refi of private loan, 6.25% (lower int rate than private loans were), i pay 350 per month -11,505.00 FFEL stafford unsubsidized with CFI, 3.28%, i pay 104 per month My questions are: -i make ~117,000 per year. Let's say it stays that way for 10 years to come. Realistically would i ever be able to pay the 113K & 36K before the 20-25 year forgiveness? How much would i have to throw at them on monthly or yearly basis? -any advice how to handle the rest? Pay the lowest int rate one off & go from there? Thanks for any input! [link] [comments]  |
| Posted: 08 Jun 2018 06:04 PM PDT |
| To those who finished paying off student loans, how long did it take you? Posted: 08 Jun 2018 08:27 AM PDT |
| How much is too much to get financial aid assistance? Posted: 08 Jun 2018 02:59 PM PDT My husband is wanting to attend college at a community college for a few years and then move onto a university. We are independents and make $50k+ a year, no kids yet. Would he qualify for any financial assistance? [link] [comments]  |
| Paying off student loan during grace period: questions. Posted: 08 Jun 2018 10:08 AM PDT |
| If/when to refinance to variable APR Posted: 08 Jun 2018 08:21 AM PDT So, I'm all about refinancing. I did it once at the beginning of this year (saving almost a whole percent and 10 year reduction in payback time). I'm wondering if there's a time that it would make sense to take a variable APR. I've always been told to stay away, because you never know what could happen. However, would it make sense to take a variable APR that is at least 1% lower than what I have now, and then just keep an eye on the changes? How often/significant are typical fluctuations to interest rates? [link] [comments]  |
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