My loans are sucking the life out of me and I need to vent. Student Loans |
- My loans are sucking the life out of me and I need to vent.
- Student loans just disappeared, what does this mean?
- OSAP Grant got converted to a loan I need help!
- ~50k individual income, ~100k combined income, ~135k in loans.
- Mom on the verge of breakdown, need help figuring out a plan
- Can you take out more unsubsidized loans?
- I can’t get a loan and I don’t know what to do
- Gov't shutdown and FedLoan
- What kind of income do you need to show to refinance private student loans?
- My student loans are in garnishment. Is there ANY way I can have it lifted?
- Great Lakes automatically put me in Forbearance
- Just starting college, gonna need a loan.
- Student Loan Repayment Options
- Looking for more info on the Navient lawsuit and they Borrower’s Defense Against Repayment Program
- Deferring Student Loans
- Default on Student Loan
- Spouses income and income driven payment plan.
- Take out $30K in Student Loans for a $10K Salary Increase?
- Heartland ECSI Problem with Payment Postponement
- Advice on best use of Loan Refund?
- Is making smaller payments on my student loans even worth it?
- IDR folks, be careful with interim recertifications
- Do I take a Student Loan
- Fedloan fucked me
My loans are sucking the life out of me and I need to vent. Posted: 08 Jan 2019 03:33 PM PST I recently discovered this reddit page and it has been insanely helpful. There is so much information out there and reading it on the sites of lenders only feels like one side of the story, and much harder to make sense of. I appreciate everyone's words of wisdom. I am on top of everything as of right now but I have $160k in debt and it is literally crippling. When you owe such a huge sum it really feels like there is no light at the end of the tunnel. I left my small town to go to school in a city, which was a culture shock I needed. I grew as a person and I fell in love with my field. It's hard to be grateful for such a life changing experience when you're drowning it debt and you can't help but feel like it was all a mistake. There is no saving money, just managing pay check to pay check. It's exhausting and I haven't even been doing it for too long. I just got off the phone with a NelNet and it went fine, they helped, but I got off and just started crying. College is a scam. It shouldn't cost so much money, it shouldn't be so confusing, education shouldn't be a business. Thank you for reading through my rant! [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||
Student loans just disappeared, what does this mean? Posted: 08 Jan 2019 05:19 AM PST I was on credit karma and saw my balance had gone to 0 but figured it was too good to be true, so then I went to the Navient website and that also said it was at 0 but that it was paid by the DOE/Navient. Anyone know anything about this? [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||
OSAP Grant got converted to a loan I need help! Posted: 08 Jan 2019 06:25 PM PST Hello Everyone, I'm a recent graduate, and just started a new job. I haven't worked in a corporate setting ever so that along with my lack of knowledge of handling my fiances has placed me in a very tough predicament, and I could really use all the help I can get right now as I feel very lost and confused. In August 2018 I applied for an Canadian student osap full-time student loan for September-December only and stated I was going to take 3 courses during this period. (I'm unsure if this even qualifies me to apply for a full time student loan as I only applied for 3 months and I assumed 3 courses validates me as a full time student as you only need 6 for the full year. The reason I only applied for Sept-Dec. was because I would be completely done by December. (However a normal term is taking 6 courses in 6 months as a full time student) Fast forward a few weeks my osap application goes through, everything is a success I received the following: So there was definitely some over payment that had taken place but I wasn't sure how to handle the whole situation and go about my student life. New year hits, and I'm done university and have $3500 in my bank account from the loans and grants above ( I didn't spend any of it) I use the money to pay back my loan (and still have a remainder left over from previous years). A couple days later my face goes completely pale and I start to have a mini panic attack as I check on NSLSC (OSAP Repayment site) and find that it states the entirety of the grants I had received ($2500 total) have now been converted to a loan, bumping my total owed an additional $2500. Furious I call NSLSC when I get off work and they state that could have only happened if I dropped one of my courses, making my status no longer full time. Now I'm not sure if I was full time to begin with as I only had taken 3 courses (which should consider me as full time for that semester since I only applied for osap for 1 semester). So they tell me to contact my financial aid office as there must be some miscommunication, however theres just 1 issue their business hours conflict with my work hours and there is no way I can go unless I take a day off work (however I just recently got this job, so I don't think that will be happening). Also I did see if I could change my OSAP to a part-time application, however the submission period was only for the first 12 weeks which I had missed as my grants converted to loans after 12 weeks so I didn't think to do this at the time. I guess what I'm trying to figure out is if there is any way any portion of my grants that got converted to loans can be converted back to grants! So I've now turned to Reddit, to see if I can receive any good advice on how to get a handle on this bad situation, and if there's any information I'm missing that I could direct towards the financial aid office. Thank you for reading, and I do hope my writing wasn't too confusing. Unfortunately I didn't major in English. [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||
~50k individual income, ~100k combined income, ~135k in loans. Posted: 08 Jan 2019 05:27 PM PST I hope that this is the right sub for requesting help. If there's a better sub for this post, let me know. I originally went to school to become a doctor, but three semesters of chemistry made that dream fall through. I then decided to pursue teaching, and made it about 3/4 through a master's degree in education before realizing how much more debt I'd incur to earn just an extra 1k per year. I currently teach high school, and I bring home about 50k annually (about 3.3k per month after deductions). My girlfriend (who lives with me) is also a teacher, and her salary is about the same. We are really trying to get our debt paid off, but I feel like my debt is insurmountable. Here are my private loans: HHLoans 2241 6% HHLoans 6163 5.25% HHLoans 6163 5.25% HHLoans 13901 5.25% HHLoans 15000 6% And here are my federal loans: Navient 1651.65 6.55 Navient 1960.33 3.15 Navient 2254.01 3.15 Navient 2351.15 6.55 Navient 2422.29 5.75 Navient 2453.03 6.55 Navient 2687.5 4.75 Navient 2900.98 5.75 Navient 4103.41 6.8 Navient 5456.26 6.55 Navient 5749.39 5.35 Navient 6700.13 6.55 Navient 7276.88 6.55 Navient 7737.72 6.3 Navient 9131.1 6.55 Navient 26886.37 6.55 The private loans are on a 20 year repayment plan at $396/month, and the federal loans are on an IBR plan at $260/month. I have about 16 years left on the private loans and 21 years left on the federal loans. I can get the private loans paid off in about five years if I put an extra $360 per month, but I honestly don't see ever getting the rest of the federal loans paid off. I might be able to get a few of the smaller ones paid off, but I foresee a bunch being forgiven at the end. What would be my best plan of attack on these? Is it possible that the best option is to put the extra money in investments and use that to pay off the tax debt at the end? Any advice is helpful. Thank you! [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||
Mom on the verge of breakdown, need help figuring out a plan Posted: 08 Jan 2019 08:55 PM PST Hi everyone, my mom is on the verge of a mental breakdown concerning her finances and asked me for help. I am not very financially savvy, so I am turning here for help. I will try to keep things short and to the point. She is about to turn 60 and works as a nurse. She takes home, after taxes, about $4,000 a month, $48,000 a year. My father passed away in 2017 and she is single. There are two large debts she owes that are making her struggle - she owes $120k to the bank for a refinance on the house, and $270k on Parent Plus school loans. The refinance costs her ~$1,380 per month, and the loans are now going to cost her ~$1,450 a month. In August of 2017, she qualified for the Public Loan Forgiveness and Income Driven payment plans and was paying ~$845 to the loans monthly. Shortly after is when my father died. The Income Driven plan needs to be recertified every year, and in October of 2018 she was given the new amount of ~$1,500 monthly. She reapplied twice, and each amount given was only a few dollars lower. There was a .75 cent increase in her hourly pay, and the death of my father, but no changes other than that. Is this enough to make the increase over $600? The people at FedLoan are no help when she calls. Her other monthly expenses, not including food, (insurance, utilities, house taxes etc.) are costing her about ~$1,400 a month. So now, with the student loan payment increase, she will be left with little to no money for food or anything else depending on when she pays the bills. Is there anything we can do to make things work? Edit: the 270k student loan is combined debt for two siblings. I don't know of, or count on, any arrangements made between my mother and siblings for them to make payments. This was the information I was given from her and as much as I know. [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||
Can you take out more unsubsidized loans? Posted: 08 Jan 2019 01:59 PM PST So dumb question, but I'm not getting much help from my schools financial aid office. My school said I qualified for $1,000 in federal unsubsidized loans. Am I able to take out more? My understanding was that unsubsidized loans weren't need based, but my school is saying I can't take out more because my Expected Family Contribution is too high. Transfering from a CC to a Uni and trying to figure out the mess that is student loans has been rough. [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||
I can’t get a loan and I don’t know what to do Posted: 08 Jan 2019 03:39 PM PST I started off college with a full tuition scholarship but I was an idiot and didn't go to class which ranked my gpa and lost me my scholarships. That was a bit of a wake up call and I was able to get my parents to co-sign for 1 semester of loans and I used up all my savings for another. Now I'm on my own without a loan, co-signer, or credit history. I applied for a loan from MPower but they're taking forever and my tuition is due in 2 days. I've looked at a ton of lenders but they all require a co-signer, credit history, or a minimum gpa (mine is still recovering from my freshman year). I don't know what to do and I don't see a way forward. [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||
Posted: 08 Jan 2019 06:29 AM PST
Edit: It came through today. I shouldn't have been so quick to question it. It was just weird because the due date was Monday (business day) and it usually comes out on the due date. Thanks for the advice! [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||
What kind of income do you need to show to refinance private student loans? Posted: 08 Jan 2019 04:15 PM PST My hubby took out 6 figure loans in total for his degree. We were not married at the time so I would like to keep the debt to income ratio off my credit (I'm buying a house without him do-signing and the fact I haven't done this has been super helpful!) He makes about 30k a year and his private loans total about 65k. What is the estimated required requirements to get refinancing? He has never been behind on his student loan payments. I'd love someone's opinion and suggestions for who to try refinancing with. The less I have to deal with Navient the better! [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||
My student loans are in garnishment. Is there ANY way I can have it lifted? Posted: 08 Jan 2019 11:54 AM PST To expand: My wages have been garnished for over a year now. I've had the same job, and consistently have 150.00 taken out of my check each pay period. I'm not trying to get out of paying but I have several other monetary obligations each month. I REALLY want to move out of my parents house and even a reduced payment would help a ton. Is there anything I can do? [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||
Great Lakes automatically put me in Forbearance Posted: 08 Jan 2019 11:48 AM PST A couple of weeks ago (12/28), I sent an inquiry to Great Lakes about consolidation (very general inquiry, I didn't say I was going to consolidate with them, I was just wondering about their process and to get more information). After looking at my account today, my account payments were suspended and I received a message saying: "... You've been approved for a forbearance, and your regular monthly payments have been temporarily suspended for up to 60 days. This is to provide you payment relief while you complete and submit any forms or documentation related to your student loans. " This was during the holiday season so I did not catch that email. I gave them a call to ask why my loan payments were deferred and how I was "approved" for forbearance regardless of the fact that I did not apply for it. They told me that their system automatically "applies" (not sure this was the exact word) you for forbearance if you inquire about consolidation. I was quite upset with them; at the very least I check to make sure my automatic loan payments were applied monthly, I do not necessarily always go on the greatlakes website to make sure everything is scheduled normally. Is there any legal action that can be taken for this? I don't want additional interest being accrued to my account because I simply asked a question. I can't imagine I'm the first person to run into this either. At the very least, let this be a warning to anyone that has them as a servicer ~ If you inquire about consolidation, they may suspend payments on your account overall. TL;DR [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||
Just starting college, gonna need a loan. Posted: 08 Jan 2019 02:53 PM PST If this has been addressed please send me a link, Dependent Spouse of an active military member. We will be staying in the states. I am willing to do a work study. 2 year community college then transferring headed to a 4 year. I don't wanna screw this up. [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||
Student Loan Repayment Options Posted: 08 Jan 2019 08:59 AM PST Hi! This is going to be sort of a long post and detailed, so sorry in advance. Basic information: SO and I are both 21 years old. She's been accepted to Cornell Veterinary School, and I've been accepted to Yale Law School. We're both very excited, and also both very aware of the financial situation we'll be in post-grad. So I'm trying to get a handle on it now. My law school loans: Using a calculator that adjusted for interest and all that jazz, my loans (I believe they'd be Federal Unsubsidized), would come out to $205,000 at the time of graduation. Yale has the best repayment program of any law school, called COAP. Here's a picture of what it looks like for both married people: https://imgur.com/a/4ZwHHuG I'm assuming here that we both make about $75,000 annually. From what I understand about COAP, this would mean I pay about (75k + 75k - 40k - 20k (guesstimate about SO's annual loan payment)), I'd be making these payments: https://imgur.com/a/GbWdGau until they were forgiven at the end of ten years. It seems... doable. Spouse's loans: Okay, so her loans are going to be a similar amount. She gets in-state tuition at Cornell, so she'll likely come out with around $215,000 in loans. I don't have a calculator for this so this is way more of a guesstimate. Now, it seems her best option is one of the income-based repayment programs -- either REPAYE, IBR, or PAYE. I don't fully have my head wrapped around all of them yet, but it seems like REPAYE is the best option for couples where both partners have loans. Please correct me if I'm wrong. Uh, so I'm having a bit of trouble using the https://studentloans.gov/myDirectLoan/mobile/repayment/repaymentEstimator.action#view-repayment-plans calculator for some reason, so I can't really tell how much she'd be paying annually, but I'll assume it's a reasonable amount that we can both also live somewhere. REPAYE, I think, forgives her loans after 25 years. Note that we're both from New York and would likely end up there, though we were both also interested in potentially moving to DC (lol great CoL areas I know). So I have a few questions. 1) How feasible is this whole situation? i.e. can we really take out this amount in loans and use our respective programs to pay it off and live? 2) What would it mean for the REPAYE program once my loans were forgiven after ten years? From what I've read, this program is better than IBR and PAYE when it comes to both people having debt, but I don't know what it would mean for her loans after mine were forgiven. 3) Would it better to stay unmarried and let her stay on IBR or PAYE? If there are any other comments or things that you think could potentially help us, please feel free to let me know. This is obviously a massive decision, and one that I'm not taking lightly. But YLS and CVS provide a lot of opportunities that I'm not taking into consideration here because I don't want to put too much weight into intangible opportunities right now. Ideally though, we could both go to these schools and make the best of our situation. Thank you! [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||
Looking for more info on the Navient lawsuit and they Borrower’s Defense Against Repayment Program Posted: 08 Jan 2019 12:22 PM PST I was reading the below website and it seems promising. Wondering how to file Borrower's Defense Against Repayment Program and if anyone has any further info on the lawsuit and possible forgiveness. [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||
Posted: 08 Jan 2019 11:54 AM PST I'm currently enrolled in 1 2 month undergraduate class with American Public University, and plan to take one more this semester. From my understanding, this counts as being a half time student, making my loans eligible for deferment. I'm still working while I am going to school (trying to change careers and am doing my prereq classes online). Also, I'm registered as a non-degree seeking student, if that matters. I'm trying to defer my loans so that I can pay down my highest interest loans as much as possible using the money I'm paying right now towards all of my minimums. I will be going back to school full time in the fall, but want to try to pay these loans down as much as possible before I do. [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||
Posted: 08 Jan 2019 07:23 AM PST I defaulted on a private student loan through Chase Undergrad in 2017. When I login to the account it says your loan is no longer being serviced by AES as of 4/2017. Any further instructions will be provided by the agency servicing this loan. I used to be very low income and irresponsible with my money and I am trying to clean up my past debt. My issue is since this has defaulted I can't find any new record of it. It doesn't even show on my credit report. What should my next step be? [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||
Spouses income and income driven payment plan. Posted: 08 Jan 2019 07:13 AM PST Hi everyone, I just got married last year and I am applying for income driven payment plan. I also pulled the information from the IRS from my 2017 tax return. When applying for income driven should I put single instead of married since they used my 2017 tax return? If not, what should I put for this question: Are you able to access information about your spouse's income and able to have your spouse sign this application? Will they need his pay stub? What would be most beneficial to me? I cannot even afford the standard payment I'm placed on and I really need a lower payment. Thanks for the advice! [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||
Take out $30K in Student Loans for a $10K Salary Increase? Posted: 08 Jan 2019 07:01 AM PST I am interested in a 20 month long Professional Masters in Management- Business Analytics track but it will cost $ 30K (excluding books). With this degree and my experience in accounting, I can realistically expect a $ 10-15K increase in my annual salary. I am hoping for more but would rather be conservative in my estimate. My question is, do you think it would be worth it to pursue this degree for a moderate salary increase (all of which would go towards paying down student loans for the first 4 years?) I could pursue an online MBA free of charge by utilizing my employer tuition assistance program. But, that would mean me staying with them for 3 years after earning the degree or else I would have to pay it all back. Plus, MBAs are a dime a dozen. I currently work with 3 people with MBAs and I mean, we're in the same position despite their MBA and my measly bachelor's in accounting. I could technically do the PMSM in Business Analytics using my employer's tuition assistance (by emphasizing the management portion). But, I would be severely limited in using any of the data preparation/mining techniques I expect to learn in the program in my current role. There are not many internal openings for more analytical roles using Python/SQL/SAS (all covered in the program). Plus, the tuition assistance would still leave me with approximately $15K in student loans. So it would be a 3 year commitment plus $ 15K in loans plus no guarantee of salary increase. [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||
Heartland ECSI Problem with Payment Postponement Posted: 08 Jan 2019 09:51 AM PST I am dealing with the awful Heartland ECSI people. They are refusing to accept the deferment form I sent in. I filled out the form truthfully and want it to start when I became unemployed. They denied my request because it started it in the past. (I guess with Heartland you have to know in advance when you are going to be unemployed.) I am at the weird stage of they are contacting the school, which I have no idea why that matters. I feel something is fishy and if anyone has dealt with this awful company or had a similar situation? [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||
Advice on best use of Loan Refund? Posted: 08 Jan 2019 07:49 AM PST After completing Undergrad December 2017 I began making payments on my student loans (1-5 below). My current Employer offers 100% Tuition Reimbursement on continued education (A/B = 100%, C=75%), so I have enrolled in a Masters of Applied Analytics program (Online). To help offset the cost and not need to front the cash every semester, I went ahead and took out financial aid once more with an award of $15,500. Detailed below:
1 Semester costs roughly $5,000, so I have been issued a "Refund" of $10,500 from my latest loan and I am trying to figure out the best way to put that to use (As long as I keep my grades up, the $5,000 I will then get reimbursed from my Employer should be enough to fund most/all of my Masters program in the coming semesters). Previously I was using the Snowball method under standard repayment and while I owed $350 total each month on my 1-5 loans, I was paying an extra $150 each month directly towards loan #2 (hence the lowest balance of my 6.8% loans). I would like to use roughly 20-30% of my loan refund towards an engagement ring in the coming year for my significant other, and keep another 20% back in case I have a semester where something comes up and grades don't meet my Employers Reimbursement policy (hopefully not, but life happens). Under that plan, that leaves me with $5,000 roughly that I could immediately pay back into my loans but I wanted some advice on which one to put that towards?
While I am now back in school and not required to pay on my loans, I still intend on fully paying at least $500/mo into my loans just like I was before. My Significant Other and I have started saving for House together and once I get around to popping the question we will likely move in together fairly soon after, thereby freeing up more of our income to repay our loans (currently living separate and paying all separate bills). Thanks. EDIT: Formatting [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||
Is making smaller payments on my student loans even worth it? Posted: 08 Jan 2019 07:46 AM PST I owe just under $36,000 in student loans. Right now I'm lucky enough to have no monthly payment because of some thing I went through on the internet and because of my lower monthly income, but that's ending soon. I already have bills of my own to pay, including my own credit card debt (also because of school), and I work full time but I only make $14/hour (I also live in NYS so my taxes are higher than some others). My interests rate range from 3.760% to 6.800%. According to the information laid out for me, if I made the exact payments on each loan every month for 120 months, I would pay $379.47 a month for those 120 months. That equals $45,536.40 in those ten years, which I assume is higher than my actual loan amount because of the interest rates. Okay, so, that's ten years. Ten years of an almost 400 dollar a month payment. First, I can't afford to do that right now, nor do I think I'll be able to anytime soon within the next ten years. So, my question is, is it even worth chipping away at my loans? Let's say I can may a total payment of $100/month. I don't know what that interest would change, but I assume it would ultimately keep my balance higher anyway, so would there even be a point to making a small payment? If I paid 100/month, it would take me like, what, 40 years to pay them off? I guess I'm dismissing the idea of ever having any sort of big break or even making a reasonable, comfortable salary, so things look really bleak. But I certainly can't pay $379/month now or anytime soon, and making smaller payments doesn't even seem worth it. But is it? Also, if I make smaller payments and not what I "owe," does that still hurt my credit score and can my wages and taxes still be compromised? Can anyone else relate to this? [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||
IDR folks, be careful with interim recertifications Posted: 08 Jan 2019 07:40 AM PST Even if FedLoan miscalculated your monthly payment, if it has already been billed to you, they will not go back and fix it. In my case, I took a lower paying job and wanted to get my monthly payment adjusted early, so I did an interim recertification. FedLoan couldn't manage basic math and erroneously assumed I was going to file jointly with my wife (despite prior practice), sky-rocketing my payment for December - PAYE for those familiar with the specific programs. When I call them out, they insist they'll "suspend my payment for that month." Sounds great, I thought. Except they didn't actually remove the balance. All they did was freeze my automatic debit payments for 30 days ... Fast forward a month later and they finally got their maths together. January payment is adjusted properly, but I get hit with a past due balance from December for the incorrectly-calculated amount. I scream at them over the phone again, saying I'll gladly pay my current monthly amount ($200ish) or even the amount prior to recertification ($300ish), but not the miscalculated one ($700+) that was their fuck-up to begin with. They tell me they can't do anything because it was already billed and they offered to put in a forbearance request. The nerve of these people to make it seem like I need accommodations because of their error. I was so pissed and frustrated with them I ended up biting the bullet and paid the extra $480 I shouldn't have but wow, what a shit experience. tl;dr - Income dropped, tried to do an interim recert. FedLoan miscalculated and my payment more than doubled. Asked them to adjust the old balance after they straightened out their idiotic math and they refused. Near $500 error I never got back. [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||
Posted: 08 Jan 2019 07:32 AM PST Background : I am an Indian citizen wishing to attend college in Australia starting 2020. Currently in my last year of school. My parents are ready to fund me for an year(out of the four year undergraduate course) which amounts to 30,000 USD (~2,000,000INR) . Now I would need 42,000 AUD in four installments (yearly) out of which the first year has been accounted for. Now I'd need 126,000AUD(~100,000USD). I'd be looking at working on campus to cover living costs... However I'd like to know if there is anyway I can get some money exept by taking on debt. Sidenote: In the event that I need to take a loan my parents have agreed to put up our house for a second mortgage. Also since I have one year to go I would be looking at ways to make money in India to save and pay for my education. [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||
Posted: 08 Jan 2019 06:51 AM PST So to start off, I fucked up pretty bad in December. I paid 400 bucks like usual, but for whatever reason I applied it to just one loan instead of all of them, which means I still owed 300 for the month. When i discovered it (when they texted me about being late) I called and was told I could do forbearance which would take a few business days So being naive I thought it was settled. I would just resume paying this month. Boy was I wrong. I just got an email begging me to pay my past due amount of 300, and when i logged onto their site, i owed another 400, so I now have a 700 payment I cant afford. Has anyone ever been lied to by fedloan like this? I would be willing to bet the person I spoke to hung up and didnt lift a god damn finger. I'm fucked for this month. [link] [comments] |
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