Want to refi from Sofi to another lender. Is this an option? Student Loans |
- Want to refi from Sofi to another lender. Is this an option?
- Everyone Calm Down About Rejected Student Loan Forgiveness Applications
- IBR vs PAYE for paying loans off?
- I want to transfer to a new school, but I owe my old school 9,000$ before I can get my transcripts. What are my options?
- Paying Sallie Mae Private Loan Living Abroad
- Do you know of less common/popular lenders for refinancing?
- Getting more money after already making payments?
- A Question about SOL & Private Student Loans
- Needs advice on how to distribute a payment
- HELP!
- Steps to taking out student loans?
| Want to refi from Sofi to another lender. Is this an option? Posted: 25 Sep 2018 05:23 PM PDT Long story short. I refinanced about a year ago to Sofi. I've now paid of a good chunk of my loans and have better credit score and income. I'd like to apply for another refinance to see if I can get a better rate. If I apply for something like Ernest or Citizen One, will they 'buy' my loans from Sofi and let me refinance through them? [link] [comments]  |
| Everyone Calm Down About Rejected Student Loan Forgiveness Applications Posted: 25 Sep 2018 08:49 AM PDT |
| IBR vs PAYE for paying loans off? Posted: 25 Sep 2018 05:18 PM PDT Hi everyone. I'm about to enter repayment next month. I was planning to do the IBR plan but make payments as if I was in the standard plan. I figured that way I could direct the extra amount towards my highest interest loans and hopefully pay the balance off in less than 10 years. However, I've just learned that I qualify for the PAYE plan which will lower my monthly payment even further. Therefore, I will have more money to make extra payments. My question is, is there an advantage to one plan versus the other, and also does my plan make sense? Thank you! Edit: Total balance $53k, standard plan payment $600/mo, IBR plan payment ~$375/mo, PAYE plan payment ~220/mo [link] [comments]  |
| Posted: 25 Sep 2018 11:12 PM PDT My parents and I definitely don't have this kinda cash. I'm in the middle of repaying, not in default for private loans. What should I do? [link] [comments]  |
| Paying Sallie Mae Private Loan Living Abroad Posted: 25 Sep 2018 01:11 PM PDT Hi, looking for some advice regarding my student loans. I have just under $100,000 in student loans through Sallie Mae that my mom has co-signed on. I have received and accepted a job offer in the UK in my field. While this great, I'm not making a tremendous about and nearly half my income is going into my monthly payments. I am hoping to get my monthly payments down but don't know if I have any options. Is refinancing or consolidation possible while living abroad? Do I have any other options? Any help or advice would be greatly appreciated. [link] [comments]  |
| Do you know of less common/popular lenders for refinancing? Posted: 25 Sep 2018 01:48 PM PDT Hi all. I started looking around to refinance my student loan, and am curious if you know of any lenders worth looking into that aren't on "top 5" lists at sites like NerdWallet and Student Loan Hero. I recently came across a Facebook ad from First Republic Bank (who I'd previously never heard of) advertising a rate lower than my current loan (and all other lenders I've looked into, surprisingly), so I'm wondering what else is out there. That banks/lenders I've checked rates at include:
I'm an attractive lendee (excellent credit, good income, low debt-to-income ratio, etc.) so I'm open to strict eligibility requirements (like First Republic, for example). Please share your secrets! [link] [comments]  |
| Getting more money after already making payments? Posted: 25 Sep 2018 04:30 PM PDT I took a semester off and started making payments on what I owed. I just applied for income based payments which should lower my payments significantly. I also just applied for the employment verification portion of the Public Service Loan Forgiveness program. I will need to take out more money as I continue to work on my degree. Will I be able to continue to make these (hopefully) lower payments even as I add on more debt? Will these payments continue to count towards my 120 for PSLF? My current loan servicer is OSLA if it makes any difference. [link] [comments]  |
| A Question about SOL & Private Student Loans Posted: 25 Sep 2018 12:48 PM PDT For private student loans, does the statue of limitations goes by the date of the last payment or the date it went into default? Also, if it falls out of the limitations/your credit report, do you have to report the debt? I know you do with federal loans (i.e settlements) but I'm not sure with private ones. [link] [comments]  |
| Needs advice on how to distribute a payment Posted: 25 Sep 2018 09:05 AM PDT I have 4 student loans, all federal. I will be throwing 3,200 each month at this and needs some advice on the best strategy to tackle these loans. Should I pay only the interest off on loans B-D each month, while mostly paying down the loan with the highest interest, or just evenly distribute 800$ towards each one? Any advice is appreciated. **Group A Loan**: $42,563.26 at 6.21% **Group B Loan**: $38,635.16 at 5.84% **Group C Loan**: $51,841.50 at 5.31% **Group D Loan**: $34,834.98 at 6.00% [link] [comments]  |
| Posted: 25 Sep 2018 08:48 AM PDT So I made an excess payment before my monthly scheduled payment which gets auto deducted. Great Lakes(my servicer) took that as my monthly payment and didn't apply it to the loan I had requested it be applied to. They said that any payment made within a billing period is first applied as a regular payment. Even though I have been paying off my loans for 4 years and never missed a payment. Is this legal? can they do this? [link] [comments]  |
| Steps to taking out student loans? Posted: 24 Sep 2018 02:58 PM PDT Hello, I'm currently taking a break semester from my university and had plans to resume in January. My parents, who had paid for my college tuition in it's entirety up to that point, revealed that they wouldn't pay for it going forward. I'd like to take out student loans to finish my degree, but I have no idea what to do. I've filled out my FAFSA, but what steps should I take from here? [link] [comments]  |
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