I paid off ALL my student loans, now what!? Student Loans |
- I paid off ALL my student loans, now what!?
- Student Loan Mess
- Nelnet Late Payment
- How to pay for International Medical School.....
- Not sure if I should apply for NaviRefi because I don't want to tell them where I work
- Girlfriend returning to school, need help filling out FAFSA and such
- Paying off Wells Fargo loan, How do I get proof I paid and close the account?
- Returning to School - Questions about debt
| I paid off ALL my student loans, now what!? Posted: 03 Nov 2018 06:15 AM PDT I posted here about about 2 weeks ago explaining my story. I originally had about 55k in student loans and never missed a payment since I graduated in 2009. I had about 36k left and I wrote a check for 36k 2 weeks ago to pay it off in full. No more student loans. Since I graduated I have worked so hard to take on life's cost of living pay this off. It's so weird officially coming into life with a mountain of debt and that's all I knew. I entered into this adult world of only knowing debt. I went to work every day thinking of it and that's what I worked for..to pay off the debt and make the payments. Now that it's all gone it's a weird feeling. Starting the adult life with debt has taught me a lot. I never want to be in debt again. I will be paying cash for every purchase I make including a house. If I can't pay cash for it then I can't afford it. Interest is robbery. Just a few thoughts from the mental aftermath and healing of trauma from student loans. [link] [comments]  |
| Posted: 03 Nov 2018 11:30 PM PDT I'm currently in a situation where I'm only allowed a few more thousand dollars to borrow from the government before I hit the max that they'll lend me as an undergraduate student unfortunately. I will be finishing my associates degree at the end of this week, however, and am wanting to transfer to another school who has already accepted me in as a junior so I can complete my bachelors degree. My plan was to apply for a private student loan to cover the cost since tuition will be around $17,000 for the last two years. That being said, I applied for a student loan through discover thinking I could borrow from them, but got denied. I then got my husband to apply as a co-signer with me on the discover application thinking we might have a better chance of getting approved with his income, but we got denied again for the loan. I'm super bummed out by this and not sure if I should keep applying to other private loans while adding hard inquiries on our credit scores or just not go to school for a few years and save up for the tuition. Our credit scores are fair only so I'm thinking this could be a definite reason for the denial. Another thought I had is that my husband did have his own school loan go into default years ago and maybe I shouldn't be using him as a co-signer at all if they are taking this in account. Has anyone encountered this kind of situation and still been able to be approved for a private student loan? [link] [comments]  |
| Posted: 03 Nov 2018 07:56 PM PDT I'm freaking out! I received correspondence that my loans were going out of deferment but my monthly balance for September 2018 was $0. The following month I did not receive an e-statement at all. This month when I opened my account, I had a past due balance. I paid the current month and the last month. Will my account be reported as late to the credit bureaus? My due date is the 9th of each month. Due to the mix up, both the October and November payment are scheduled to be deducted from my account on November 5th. I've never been late before. I don't want to screw up credit, I'm hoping to buy a house soon. Anyone have any insight or suggestions? Edit: I wasn't making payments because I was in school. I just graduated with my new degree in August. [link] [comments]  |
| How to pay for International Medical School..... Posted: 03 Nov 2018 06:21 AM PDT So, my girlfriend recently got into medical school in Grenada. Does anyone have any leads on ways to finance school besides Sallie Mae and FAFSA? [link] [comments]  |
| Not sure if I should apply for NaviRefi because I don't want to tell them where I work Posted: 03 Nov 2018 01:17 PM PDT I keep getting stuff in the mail and in my email about this, so I finally looked into the application. I'm not comfortable sharing my employer's name with them because I don't want them to call my work for anything, but apparently I have to tell them where I work and I can't just tell them my job title. I also don't want to tell them what my highest level of education is because I'm concerned my workplace will find out. The whole reason I have a job is because my employer thinks I only have a bachelor's degree (my master's degree makes me overqualified for everything, so I don't tell people I have it). And since I don't trust Navient, I don't want to give them the rope with which they could potentially hang me. Since it's only my undergrad private loans that are an issue, could I just not tell them I have two degrees? I'd love a lower payment each month, but not if there's a chance I could lose my job (and I would if they ever knew I have an advanced degree). [link] [comments]  |
| Girlfriend returning to school, need help filling out FAFSA and such Posted: 03 Nov 2018 06:50 AM PDT Kentucky, USA /r/personalfinance was pretty much useless in regards to advice on how to fill out financial aide. Any advice or information that would help us maximize her potential aide (even if it's $1.00) would be greatly appreciated. [link] [comments]  |
| Paying off Wells Fargo loan, How do I get proof I paid and close the account? Posted: 03 Nov 2018 07:32 AM PDT I have only one Wells loan and it is my highest interest rate. In order to never have to deal with Wells again, what do I need to ask for, get in writing or check the boxes of? [link] [comments]  |
| Returning to School - Questions about debt Posted: 03 Nov 2018 07:07 AM PDT I graduated from law school. Though I did really well at a high ranked school, I just despise (and frankly can't handle) the practice. It's not what I want to do. Given the amount of money in loans law school cost, fiscally it makes sense to just bite down and white knuckle it. Realistically, I'll eat a gun long before the bills are paid off (hah, only real way they'll get "discharged"...pun intended). So I have decided to return to school to focus on something that I actually want to do. I am planning to return to school in 2020. As previously stated/implied, I have amassed quite an impressive collection of graduate debt. I have a great deal of questions written down that I was hoping someone who knows the student loan system very well (has the insight for both graduate and undergrate) and the altruism could PM me and I could send them my questions? I only want to do it this way because I'm a fairly private person and some of the questions include somewhat personal info. If no one PM's, I will edit this post and just post them and weep hysterically in the bathroom while eating buttered toast and singing Billy Joel songs (you Catholic girls start much too late). But if someone wants to help I'll send a pizza over to your house one night or ship you a neato thing (if you want). Side note: I have spent endless hours researching these issues and I just don't have the knowledge or understanding to synthesize it into a real answer. Like Donny, I'm out of my element. But I promise, I have put the leg work in. I also tried to book time with several financial aid advisers, who were not at all interested. Hope to hear from someone! Thank you! EDIT: Gonna get this one out of the way before I just lay out details. I understand this is a fiscally unwise decision. I recognize that fully. Assume the premise is that I am choosing to proceed forward regardless. Getting lots of PM's telling me not to do it, or to go do this, or how I am idiot. That's fine. I'm an idiot. Moving forward with the premise in mind....
This naturally begs the question of room/board. I will be living with family. I do not need to get loans to fully cover these costs. I have money saved up, and will save a great deal more before 2020. However, I absolutely cannot afford to fully cover the costs if I simply can't any loans. I will not qualify for a loan from a private loan company, either. So, bottom line, what I'm trying to figure out is if I will be able to get financial aid/loans, and if so, how much? The problem is rendered very simple if the answer is no, dumbass, you can't take out any loans. Then I simply have to scrap the whole idea. Even as I have been writing this, the hate has been pouring in. Yes, I have certainly made some fucking shitty financial decisions. But you should probably have some semblance of facts before you start throwing around nasty words. During and after law school I have been providing care (re, financial, emotional, physical) for my very mentally ill single mother, my SEVERELY disabled younger brother, an have been putting my younger sister through college and paying the costs of living of her life. I have also had severe health issues that resulted in high level out of pocket expenses. Trust me, if I wasn't taking care of everybody, I would have put a lot more severe debts in the loans. And for the last time, if you're just bumming around on reddit, scratching a neckbeard with your dick in your hand, tugging one out to how much better and smarter you are than us plebs, that's fine. I get it. I'm stupid. This is a bad choice. I should do something different but I'm not. So just use your tears as lube and move on. What I'm looking for is insight into a specific issue, not general fiscal/life advice. I'm surrounded by attorneys, I'd ask them. What I'm looking for is to simply see if it is going to be possible for me to acquire more loans, and if so, how much, regardless of how utterly stupid the decision is. [link] [comments]  |
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