Financing a Year of Medical School Without Fed Loans Student Loans |
- Financing a Year of Medical School Without Fed Loans
- Heartland ECSI sucks but now I'm debt free
- Journalist Request for ABC News - Parent PLUS stories
- Loans for post-bacc certificate program
- Where do i find my Heartland ESCI account #?
- Advice
- Question about Future Wife’s Student Loan Debt
- Does anyone have experience with Mpower financing?
- How well am I doing/Should I be worrying? 14k in debt give or take a little
- Loan servicer no longer has my loan and now I have no idea how to find my loan.
- Incoming College Freshman Seeking Advice
- Student Loan Payment-Questions
- Payment due (GreatLakes)
- So I’ve finally made my first payment on my student loans, but there’s one problem. (Need Help)
- Where do I put my student loan money?
- Do schools provide an itemized receipt if you utilize federal loans?
- Advice?
- Why just join the army?(or the marines/the air force etc...)
- How do make payments to my loans in the smartest way?
- Opinions About Discover Student Loans
- Private loan for a tech school
- Student Loan help?
- The Struggle
- Student Loan Refinancing Advice
- Student Loan for UK citizen studying in the USA
| Financing a Year of Medical School Without Fed Loans Posted: 17 Jun 2019 06:47 PM PDT I have a fiancee whom was accepted to medical school last year at a new school undergoing the accreditation process. Since it was far away from me and from her immediate family, and it would have required taking out expensive private loans (federal loans are unavailable until this school's third year, which would be next year), she deferred that acceptance in the hope of being accepted elsewhere. Unfortunately, that didn't happen and now it appears that this first school may be her only choice. The problem is that she has a credit score around 700 and would have no income. I have better credit (~790), but also have a mortgage of ~115k and limited income (~35k) while I'm in grad school. We were just denied a loan for the cost of her attendance for one year ($75k). We don't have any better options for family co-signers. How can we make this work? How can I predict how much of a loan we would actually get approved for? I have a modest portfolio that I could liquidate that could probably cover most of this, but I'd really rather not nuke my entire life savings. [link] [comments]  |
| Heartland ECSI sucks but now I'm debt free Posted: 17 Jun 2019 08:18 PM PDT Scheduled payments that didn't process, crap customer service, and mismatching information from the web to my statements. My customer service rep even said that the website is wrong. I had about 4k left on my loan so I swallowed my pride and I'll tighten my belt. I did one last payment for the full amount rather than ever deal with these idiots again. Looks like it's back to ramen for me. Anyone else have issues? [link] [comments]  |
| Journalist Request for ABC News - Parent PLUS stories Posted: 17 Jun 2019 10:22 AM PDT I'm a producer at ABC News and I'm developing a series about student loans. I'm looking to interview parents or grandparents that have Parent PLUS loan debt and have had to delay retirement or sell their homes in order to keep up with the debt payments. If you or your family are interested in learning more about our project, please reach out to me anytime. I'd love to hear your story! My contact information is Tess.Scott@abc.com [link] [comments]  |
| Loans for post-bacc certificate program Posted: 17 Jun 2019 10:28 PM PDT Does anyone know of a lender that offers a loan for a post-bacc certificate program like Tulane ACLP? The program is set up in a really strange way in that the money needs to go directly to a department within the medical school and not to the registrar/bursar. I will not technically be a student at Tulane but rather just with the department. It all sounds sketchy, I know, but I have talked with alumni of the program and in the past two years, 100% of the alumni have been accepted to Tulane Medical School which is my goal. There is no other program in the country that offers this type of an opportunity so please do not give the standard advice of "find a similar program that offers federal loans." [link] [comments]  |
| Where do i find my Heartland ESCI account #? Posted: 17 Jun 2019 05:23 PM PDT This is for the Perkins Loan. I apparently need to do their exit interview so I registered for an account but then I need to link it. I can not find this Heartland ESCI account # anywhere. [link] [comments]  |
| Posted: 17 Jun 2019 05:53 PM PDT I'm working on applications for student loans, and it gives me the options for a bunch of different types. Which should I apply for and why? Any help at all is greatly appreciated as I am rather unsure on how to proceed as I am brand new to all of this. [link] [comments]  |
| Question about Future Wife’s Student Loan Debt Posted: 17 Jun 2019 08:39 AM PDT Reddit, I am looking to marry an amazing woman early next year. We are both in our early 30's. I am debt-free and never had student loan debt. She went to law-school and borrowed around 185K, but is otherwise debt-free. She graduated about 6 years ago. Background: She has a public service job and is currently using the REPAYE option. She has made about 54 qualifying payments and has about 5.5 years left in the PSLF. She makes about 90K, and I make about 100K (both before taxes). I believe all the loans are qualifying direct federal loans with an average interest rate around 6.5%. I think her current balance is around 212K now since her payments don't cover the accruing interest. The problems causing uncertainly for the future are that I am in the military and move around every couple years. I just moved recently, and we're temporarily long distance until we get married. We're looking to start a family soon after she moves down and we get married. She'll also likely have to leave her job and have to find a new public service job when she moves here, which will likely pay significant less based on job availability here (perhaps 50-60K). Her experience and lack of law firms in this area don't really lend themselves to her joining a law-firm and making a lot more money. Questions:
TLDR: Looking to get married to someone with about $200K student debt who is in the PLSF, but significant life/work uncertainty ahead. Thank You! [link] [comments]  |
| Does anyone have experience with Mpower financing? Posted: 17 Jun 2019 10:46 PM PDT I'm an international student in Canada, l have about 3 semesters left before l finish my degree and l'm working on raising my tuition for the following year but it's a struggle to raise all the money on minimum wage jobs so l have been looking into loan options. Recently l discovered Mpower financing and they say lm eligible for a loan, just wanted to know if anyone had experience with Mpower financing and how credible are they? Thanks! [link] [comments]  |
| How well am I doing/Should I be worrying? 14k in debt give or take a little Posted: 17 Jun 2019 06:33 PM PDT I have about 14k I have taken out in loans, and I only went to university for a semester. I am in the grace period right now but I have a month until I have to start paying. My guess for after interest is added is about around 17k-21k. I originally had 19k but dropped a class early because I realized I couldn't pass it 3 weeks in and my school sent me a check for about 5 grand. I have a 10 year repayment plan on my loans. I used all of the check to go right back to my loans to knock some debt off. I don't plan to go back to college because I don't want more debt. I've seen lots of posts about supermassive amounts of debt upwards of 160k+ and even more extreme and I'm wondering if maybe I'm forgetting a variable. With my current work I'm able to make slightly above the minimum payment which is around $50 a month. Any help/similar experience is insightful and always appreciated. Thank you [link] [comments]  |
| Loan servicer no longer has my loan and now I have no idea how to find my loan. Posted: 17 Jun 2019 04:12 PM PDT So I went to go pay off one of my loans, and I got this notification that this loan service no longer has my account. So it got sold. But I have no idea who has it now. Maybe I got something in the mail? I can't find anything and I would have kept that. How do I find out who my new loan servicer is? [link] [comments]  |
| Incoming College Freshman Seeking Advice Posted: 17 Jun 2019 02:34 PM PDT So well, I'm an incoming freshman to start college this fall semester. The college I'm attending is out of state and tbh, I have no freaking clue what I'm doing. I'm already accepted to the college, I've done my FAFSA for the school year, but in the loan package they sent me, there are some loans I haven't accepted. For now, I have accepted only the grants. I don't want to make an impulsive dumb choice so I haven't touched the loans. There is three Direct Loans, Parent PLUS, subsidized, and unsubsidized, I heard I shouldn't accept the unsubsidized but I haven't touched any yet. As for the Parent PLUS loan, I'm afraid my parent's credit score doesn't qualify for the loan. But college counselor told me to apply for it anyways because I can get more money if it's declined. Lastly, there's the FDRL Work Study (CWS) which I have no idea what it is. I assume it's well, duh, work study that gets taken out if I work on campus but I plan on not working for my first semester to give myself time to accustom myself to living in the residence halls, my new schedule, etc. Would you guys recommend I work my first semester instead? I'm kinda worried if I apply second semester then there wouldn't be any jobs left. Another thing is I really need like, 3k right now, like it's super important because I'm going into a Computer Science degree and my laptop, well it has about a million issues and won't even charge properly so I need a new computer. Same applies for my phone which is a crappy LG from like a decade ago, and I also need travel expenses, laundry fund, a bit of money for new clothes if I need em, and school supplies. I come from a really poor family so they couldn't provide me with a new laptop or something. I've been searching for a job for the last 3 weeks and I only got 1 interview which I blew because I mentioned I was going to college and apparently Walmart doesn't hire seasonal. I'm desperate and still trying for a new job, I really want to be able to loan 3k as essential need from my student loan package but I don't know how it works. I don't intend it to be an annual thing, just one time thing. Where and who do I speak to for this? How does student loans work when it comes to personal expenses? Please help me I have no idea how any of this works. Thank you. All advice is very much appreciated. [link] [comments]  |
| Student Loan Payment-Questions Posted: 17 Jun 2019 05:05 PM PDT I currently have two student loans. One is a Federal Perkins Loan and the other is a Direct Stafford. I took them out in 2015 and ended up not graduating. I paid on the loans religiously for about a year until I was unable to. They ended up defaulting and there for awhile I received zero paperwork in regards to them. I'm now starting to receive paperwork again about every other month and today I received a letter in the mail from my college asking for the amount of one of the said loans and late fees. *The paperwork I have been receiving from the Debt Collector (Action financial services) also includes the balance of the loan that the college is asking for.* I dont know why the school is getting involved now. I've bounced around from place to place these last two years.. My social anxiety and depression has been through the roof. Thus I've neglected myself and my responsibilities. I've done the math and I have just enough in my savings to pay these off. The paperwork includes an address that I can send payment to. Can I just send in a check? The thought of having to call and talk to someone is rather overwhelming right now.. The paperwork says that I qualify for loan rehabilitation but It's based on my income, I have to contact them. I'm not currently working (but searching) and I'm honestly worried if I call, it would just be someone angry at me for not having my shit together. I feel awful :( [link] [comments]  |
| Posted: 17 Jun 2019 08:38 PM PDT I had my payment due on the 16th (Sunday) and totally forgot about it until tonight the 17th (Monday). Knowing of my errors, I quickly paid the amount. Am I considered to be a delinquent after this incident? Thank you for answering. [link] [comments]  |
| So I’ve finally made my first payment on my student loans, but there’s one problem. (Need Help) Posted: 17 Jun 2019 03:10 AM PDT I've been in and out of jobs for the past 2 months and I've finally found something solid that pays good. I got my first check and I put like 1/3 of it to my student loan payment that was about 2 months overdue. I did this through that Navient Department website also. In total I owed about $230.84 and I paid all of it. It gave me a confirmation number and everything which i saved. But When i go to check my bank account, none of my statements show that I've taken out $230.84. I still have most of my check besides some minor spending I did yesterday. So does Navient take a while to get the money from your account? I'm confused. [link] [comments]  |
| Where do I put my student loan money? Posted: 17 Jun 2019 05:52 PM PDT TL;DR Where should I put student loan money when I receive it in August- checking or savings? I need a new bank account. My current checking account is 1. Local to my hometown and I'm 90 minute away, and 2. Linked to my parents account (I'm 23). This wouldn't be an issue if they didn't take advantage of that to borrow money and only tell me after the fact. This has happened several times. They pay me back, but I still don't like it. Anyway, this account will be for my student loans during medical school and any money I happen to make (e.g. through research this summer). When adjusted for my scholarship, I'm eligible for $23k for the fall, and only $9,300 will go towards tuition. So I'm looking at having over $13k in an account at the beginning of the semester for books (estimated at 6.5k) and living expenses. I don't want to ask my parents for advice at this point. I just need to decide between checking, savings, or both. [link] [comments]  |
| Do schools provide an itemized receipt if you utilize federal loans? Posted: 17 Jun 2019 11:51 AM PDT I've been paying for school (community college) using my work's tuition reimbursement program, now that I will be attending an University I am planning on utilizing the federal funds being allotted to me. My tuition reimbursement can only be paid out if I provide the company with an itemized receipt as proof of payment and was wondering if that is something Universities typically provide. [link] [comments]  |
| Posted: 17 Jun 2019 04:57 PM PDT I have a few private student loans out (my federal loans are small and nearly nonexistant). I tried to consolidate them through a bank I also took out with and they declined me. In anyone's experience, what was the best place for them to consolidate or refinance their loans with? [link] [comments]  |
| Why just join the army?(or the marines/the air force etc...) Posted: 17 Jun 2019 04:13 PM PDT So.. this question had been bugging me for a while now in my county we have mandatory army service and after the service the state pays for our study( at least most of it) and I always found it weird that so few Americans join the army to pay for their study. I dont mean combat service specifically but in any case no matter how you serve you serve your country and you get free study its not a bad deal in my eyes. Why do I see so few Americans do it? [link] [comments]  |
| How do make payments to my loans in the smartest way? Posted: 17 Jun 2019 04:09 PM PDT Recently graduated from college about 2 months ago. I have about 55k in loans, which include loans I took out as Parent Plus, but will be repaying myself. Starting salary is 84k. I have one loan that was originally 7,500 but has gone up to 10k with interest. I want to make a full payment on that and pay it off completely. I want to do this because it was a private loan and that interest is steep at sallie Mae. The rest of the loans I want to contribute about 2k a month to, to get rid of them in 2ish years. 1k towards my federal student, and 1k towards towards parent plus. My question is, how do I do this? I don't know much about paying them off. If I make that 10k payment on the private loan, will they assume it's for the future interest (idk I've heard something about that). How do I tell them I want to apply this and pay off the full balance. Same with my other loans. I don't want them to apply it to the future interest that'll incur. I want to pay down the debt. Will I have to call them every month when I want to do this? Or do I just go online and pay that much and it'll take it off the principal? [link] [comments]  |
| Opinions About Discover Student Loans Posted: 17 Jun 2019 11:54 AM PDT I just graduated from high school and I'm starting college this fall. I received a lot of financial aid and I recently applied for federal student loans. As I wait to hear back from my school, I wanted to look at private student loan companies. The one that stood out to me the most was Discover. For those using Discover as a way to pay back your student loans, what is your opinion of it? Is it a good program? Anything I should be concerned with? Please enlighten me, thank you! :) [link] [comments]  |
| Private loan for a tech school Posted: 17 Jun 2019 03:26 PM PDT Asking a question for my husband who doesn't have Reddit. He wants to become a Lineman and work for a power company. Unfortunately, the pathways to that goal are very limited. Basically you have to either be hired by a power company and they train you, or you have to pay out of pocket for an expensive trade school. He's applied to a power company that has a training program and waiting to hear back. In the meantime, we've been focusing on trying to get into a private tech school nearby. This particular school is accredited and apparently has quite a success rate as far as post-grad employment. The field itself is very financially stable and there's no shortage of jobs, especially here in Florida (hurricanes, etc will always keep these people employed). The issue with this private school is that they are saying you cannot use FAFSA or any sort of federal aid because the school doesn't qualify. My husband has a small amount of Nelnet loans (less than $4,000) from previous years of school, and his credit score is only okay. His employment history is not very consistent either, which I know looks bad. We applied for Sallie Mae and a handful of private loan companies online, with no success. I don't qualify as a co-signer because my credit is worse than his (however I've had the same steady job for 4 years). My question is... Any other options? The program runs September to January, total $16,500. [link] [comments]  |
| Posted: 17 Jun 2019 03:23 PM PDT Hi, so I have a pretty bad credit due to some mistakes i've made before. For context, it's below 610. I needed a student loan to cover my COA which will be approximately 17,000. I'm only 20, so my fasfa still uses my parents income even though i live on my own with a full time job so i don't get much from the fasfa, and my parents refuse to cosign with me, and I can't get approved for a loan by myself. Is there any option other than saving my money for years to come? [link] [comments]  |
| Posted: 17 Jun 2019 10:31 AM PDT What are my options as a 20 year old college student on their own with no credit or co-signer to get a student loan? Shit got real fast for me [link] [comments]  |
| Student Loan Refinancing Advice Posted: 17 Jun 2019 01:59 PM PDT Hi, Currently, I am on a 15 yr loan @ 7.74% with $54,531.11 remaining. I have about 10 years and 3 months left. The original amount was $68,594.00 started at 9/4/2014. I am looking to refinance my loan with Earnest. I got a rate for 10 years 4.73% My monthly payment would go down from 643.98 to 576.27. Is there any downside of this refinancing? This will be my 2nd refinancing. [link] [comments]  |
| Student Loan for UK citizen studying in the USA Posted: 17 Jun 2019 01:49 PM PDT Title is self explanatory, in need of a student loan to cover a few months of living expenses while I finish my degree. Any leads and links are appreciated. [link] [comments]  |
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