Made my last payment Student Loans |
- Made my last payment
- Heartland ECSI has literally the worst fucking platform ever designed
- Being underemployed and underpaid
- Unsubsidized Federal student loan help
- Married, $260K in loans, will we ever be able to afford a house?
- Moderate reform?
- From an economic perspective, what are the likely consequences of cancelling all student loan debt held by government and private entities?
- Can I consolidate my parent plus loans with my direct undergraduate loans?
- Why Elizabeth Warren's Student Debt Plan Isn't That Radical - Lifehacker
| Posted: 27 Apr 2019 03:56 PM PDT Just submitted my last student loan payment. I graduated two years ago with $40,000 in debt. I decided to live with my parents in order to tackle this. Now I'm 25 with a degree and no student debt. I've been taking about 80% of my paycheck the past year and a half to pay this off...Now it's over. I can save up a few months pay and move out comfortably this summer....Thank God. I was starting to go nuts living with my parents in my 20s this long (I'm sure they were too) But now I see a light at the end of the tunnel. I'll leave you guys with the anthem of my life the past two years I'm gonna go get drunk and celebrate [link] [comments]  |
| Heartland ECSI has literally the worst fucking platform ever designed Posted: 27 Apr 2019 12:57 PM PDT My blood is boiling right now. In general I wouldn't consider myself very progressive, but fuck it, tear the entire system down. So to start with, their UI is fucking awful. And it keeps giving me an error message "The system is not available right now." Ok, so I'll come back tomorrow and do it, which is what I did. But, it looks like it saved everything I did yesterday (adding bank account and setting up auto pay). WELL GEE, IF IT SAVED IT, THEN LOOKS LIKE IT WAS WORKING ALL ALONG. Speaking of paying, turns out, IF YOU WANT TO PAY MANUALLY, YOU HAVE TO PAY A "99cents processing fee", EVEN IF ITS WITH A CHECKING ACCOUNT. I.e., unless you have auto pay turned on, you'll pay an extra dollar a month for the life of the loan. Also, you can only pick from 1 of 4 options in terms of the dates of auto pay. So if you missed it the first time around, you have to pay the 99c fee at least once before going on Autopay. Literally every thing about this makes me want to destroy something. I'm fine with paying student loans, but having a "processing fee" when it's taken out of a fucking checking account is bullshit. And fucking fix your UI, you assholes. Apologies for the rant. I know some of you probably have similar problems and could relate! At least Navient isn't that bad... [link] [comments]  |
| Being underemployed and underpaid Posted: 27 Apr 2019 07:03 AM PDT So my grace period ends in less than two months, I currently work two jobs at 17/hr and 10/hr at around 75 hours a week. My net take home is 3100, my essential bills take that down to around 2150. I've been struggling to make a foothold as my car is a piece of shit that I keep "investing" into but due to my second job being with cars I should be able to get some decent car(s) cheaper than the public so that problem is lesser than what others may face. I currently owe about 35k public and 45k private. I got a bachelor's in microbiology/genetics and I can speak Russian/Spanish/German (that order of aptitude). My main job doesn't give me enough work so I'm sitting most the time and on top of that I'm only getting paid 17hr for 45 miles of commuting a day. My second job only pays above minimum wage because of my Spanish ability. My family washes their hand of me even though everyone told me to go to college, I was "the one who could be a doctor" from my family but I wasn't willing to add 200k debt to my pile so my situation is my fault and rightfully so. I need my current job(s) but I need to more of an annual salary if I'm ever going to get out of debt and actually have a life. I also cant continue to work with zero days off for the rest of my life because I'll end up sucking on a gun. Suggestions and criticisms please [link] [comments]  |
| Unsubsidized Federal student loan help Posted: 27 Apr 2019 07:38 PM PDT I dont get how they charge for interest. I know the interest rate is 5.05%. Do they charge the interest monthly or yearly or at the beginning of fall and spring semester?. I know theres daily interest by dividing the interest rate on your loan (as a decimal) by the number of days in a year, and then multiplying that by the outstanding principal balance. [link] [comments]  |
| Married, $260K in loans, will we ever be able to afford a house? Posted: 27 Apr 2019 06:48 AM PDT So I have around $60K in loans, and my husband has $170K. He got slammed because his parents make money but aren't helping at all, and he went for 5 years. We make a combined $100K a year, which in my opinion is good for being 2 years out of college! Yet, we seem to be scraping by. We are paying the max amount we can pay, and paid $36K for student debt alone last year. It feels hopeless. Any advice is appreciated! [link] [comments]  |
| Posted: 27 Apr 2019 08:41 PM PDT I love discussing problem-solving and new ideas. Another post on this forum got me to thinking about student loan reform, and what non-extreme ideas we as borrowers would like to see that aren't part of usual discussion. We hear a lot about cutting funding from conservatives and about free college from liberals. What is something that you would like to see happen in student loan reform that hasn't gained a whole lot of traction in the public conversation? Do you have any ideas? Honestly, if they would just cap interest rates closer to rates of inflation, I would be a happy clam. The government could do nothing else but change my interest rate to 3%, and I would send my payments off with a smile. Here are some other reform ideas that I've never heard proposed: require public high schools to provide credit and student loan education to all students; fund federal loan forgiveness plans to incentivize people toward working in sectors that need more labor; require colleges to be transparent with potential students about where tuition dollars are going; require loan companies to have detailed payment agreements and plans readily accessible and updated for borrowers (ahem Sallie Mae), explaining things like when interest will capitalize and how badly payments will balloon, etc. There is so much middle ground between defunding and free college, it blows my mind that I only hear people talking in extremes. Like, can we please talk about actual reform? What are some other ideas y'all got or have heard? [link] [comments]  |
| Posted: 27 Apr 2019 06:53 PM PDT With so many proposals to cancel student loan debt, I am curious what would be some likely and general effects on the economy if such a thing happened. I'm not looking for a debate. Just information and theories. [link] [comments]  |
| Can I consolidate my parent plus loans with my direct undergraduate loans? Posted: 27 Apr 2019 10:52 AM PDT I have loans in my own name (22 year old about to graduate) and loans in my moms name. Am I able to consolidate parent plus loans with my direct loans? (All federal) [link] [comments]  |
| Why Elizabeth Warren's Student Debt Plan Isn't That Radical - Lifehacker Posted: 27 Apr 2019 10:30 AM PDT |
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