Heads up fellow student loan warriors: Beware of scammers! Student Loans |
- Heads up fellow student loan warriors: Beware of scammers!
- Does anyone not get that anxious about having a student loan and view it as an opportunity?
- What happens when you withdraw from college/masters program?
- Seeking senior borrowers that are struggling with student loan debt and willing to share their stories
- Anyone have experience with ITT tech?
- Parent PLUS Loan Help.
- Do I have to start Paying back subsidized loans after I transferred?
- Question about AGI and Income-Driven Repayment
- HPSL and REPAYE
- Waiting for Loan Forgiveness
- Getting a multiple loans over semesters
- .25% Auto Pay Discount
- Leaving Grace Period
| Heads up fellow student loan warriors: Beware of scammers! Posted: 14 Jun 2019 06:55 PM PDT I don't know what the scam is (to get sensitive information is my guess), but I received a phone call (unknown number), that left a voicemail. This voicemail was by an English speaking woman who sounded "legit"...here is what she said (per the transcription beta): "Yes this is Kimberly Taylor I'm calling reference to your federal student loans I need to discuss your repayment options for some new changes that have just effected recently so if you could please just give me a call back my number is 8##-###-#### and ummmm I'm going to give you a reference number if you would just have to see if you would have to see [if makes it makes it] a lot easier your reference number is ###### thank you..." A quick internet search for the call back number, and low and behold this exact message has been left for many other people. It makes me sick they went to these lengths to con people who are already in debt. Stay frosty! [link] [comments]  | ||
| Does anyone not get that anxious about having a student loan and view it as an opportunity? Posted: 14 Jun 2019 07:35 AM PDT So I have about $80,000 in student loans (USA). This includes $10k from a bachelor degree, and the rest from flight training. The student loan has allowed me to become an airline pilot in the USA and I have a degree as well. Does anyone view a student loan not as scary, but as an opportunity? Almost like a business loan? I wouldn't be making near as much money using my degree, and the potential earnings as an airline pilot can be up there with doctors, lawyers etc. I am paying it down (12 years left) but I am just wondering if this is a good or bad mindset. The only other debt I have is an auto loan. I also plan to pay more as my income grows over the next few years and beyond. Just curious as to your thoughts on this mindset. Thanks. [link] [comments]  | ||
| What happens when you withdraw from college/masters program? Posted: 14 Jun 2019 10:15 PM PDT Sorry if this is a stupid question. Long story short, my family is really toxic and controlling, and pushed me to pursue in a degree that isn't really for me. I already graduated last month and received my bachelors. However, I'm currently enrolled in a graduate program at the moment. I got accepted into this program that allows undergrads to take 1 to 2 master level courses. After taking a few classes, I realized the field really isn't for me, but my controlling mom refuses for me to withdraw from the masters program (because it's her money and what she says goes). I plan to withdraw from grad school behind her back. I plan on telling a few professors I trust about my situation, and see how they can help me thru this process. I also plan on leaving for good because I'm too old to be tolerating this toxic behavior. My question is- what happens when you withdraw from grad school or college? I plan on doing this before the last day to withdraw, so I'm aware there's going to be a refund, but I want to know the process I need to go thru. Talk to my advisor, tell her Id like to withdraw are the things I will do. But, does my controlling mom have to sign paperwork in order for me to fully drop the program? Or am I allowed to do it myself even tho I'm not the one paying the tuition? I really want to be successful in doing this behind her back, and when the refund hits her account, I'll already be long gone before I hear her wrath. Sorry again if this sounded like a stupid question to ask. I have no idea how anything in the real world works due to being controlled and manipulated for so many years. I just want to take care of a few things before officially escaping/leaving. Also, I appreciate any advice you may have. [link] [comments]  | ||
| Posted: 14 Jun 2019 09:06 AM PDT Hi there. From time to time I hear from reporters working on student loan related stories. Currently I am working with a national news organization who is looking to talk to older borrowers with student loan debt. Initially they just want to hear your story. Down the line they may ask if you would be willing to participate in the news piece at which point you can absolutely say no if it makes you uncomfortable. Older borrowers are an issue that I feel needs more attention and education at the policy level so this project is near and dear to my heart. If you would be willing to share your story with this producer please PM me and I will connect you with her via email. thanks in advance PS: I cannot share who the news organization is here so as to protect their leads [link] [comments]  | ||
| Anyone have experience with ITT tech? Posted: 14 Jun 2019 01:32 PM PDT
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| Posted: 14 Jun 2019 12:43 PM PDT I'm a recent grad and needed to take out multiple subsidized and unsubsidized loans for my undergrad. These were not covering everything and my mother applied for a Parent Plus loan as a last resort. To keep a long story short my mother cannot make the payments for this loan and my distant father happens to be the cosigner. My father has been contacted about missed payments and has been pressuring me to handle it. Problem is I cant afford to cover my own loans, pay for my wedding in two months, and help my mother. She has contacted Naviant and she doesn't qualify for loan forgiveness because she makes more than 16k a year. My mom has come to the conclusion that it would be best to live on disability and her social security to escape these high payments. I know it's a terrible idea but she has been suffering from a medical condition for years and works part time. What other options does she have? How can I help despite my own financial challenges? Feel free to ask any personal finance questions I'm an open book and just want to make sure we dont have to stress about this. TLDR; Mother works part time, cant pay parent plus loan. Distant father is the cosigner and has refused to help and is pressuring me to figure it out. [link] [comments]  | ||
| Do I have to start Paying back subsidized loans after I transferred? Posted: 14 Jun 2019 03:42 PM PDT I transferred schools between semesters last year and I recently had to complete exit counseling for my old school. Does that mean I'll have to start paying those loans now or will it only be after I have graduated from my new school that I have to worry about them? The website just made it seem like I had to with the whole money teaching process they make u go through in the exit counseling, so I wanted to clarify. [link] [comments]  | ||
| Question about AGI and Income-Driven Repayment Posted: 14 Jun 2019 10:21 AM PDT I'm graduating in a month and am looking at my loan repayment options. I'm curious about how the AGI is calculated for income-driven repayment plans. I'll begin work in August and therefore my 2019 taxes will only represent income from August to December. If I use these taxes to apply for an IDR plan, will they take the income at face-value for the year, or extrapolate the income for 5 months and use that to calculate a projected income for 12 months? [link] [comments]  | ||
| Posted: 14 Jun 2019 10:09 AM PDT Does anyone know if HPSL is factored in when selecting the REPAYE option for my other federal loans. i.e. do they consider the fact that you have that additional loan that you are making payments to and thus adjust your monthly payment with the REPAYE option? [link] [comments]  | ||
| Posted: 14 Jun 2019 05:06 AM PDT Every once in a while I see an article about someone trying to push through a bill that will forgive loan amounts based on your income ( Elizabeth Warren, Bernie Sanders, etc.). I realize this could very easily just be nonsense political lobbying thrown at me from social media but as someone who continues to pay above the minimum payment every month, is it smart to start paying the minimum in hopes this may happen? Why keep paying extra when they all may go away? Or is it too far out to even worry about the possibility? I have about 2 more years to pay them off at the rate I'm going. I also have an equity loan with a lower interest rate I could put that extra money towards instead. Thoughts? [link] [comments]  | ||
| Getting a multiple loans over semesters Posted: 14 Jun 2019 11:48 AM PDT I'm working on getting a private loan for school and I have the option of getting a loan each time a semester starts or get a single loan for each entire academic year. I'm in a situation where my school fees are reimbursed, so I should be able to pay back each loan within 6 months to 1 year. To me, it makes sense to apply each loan separately so the interest doesn't get applied on the annual loan. Has anyone does this and do you foresee any potential problems that may come up with having up to 4 smaller unpaid loans at a time? [link] [comments]  | ||
| Posted: 14 Jun 2019 07:48 AM PDT Does anyone know if I can receive this autopay discount while still in grace or not in repayment yet? [link] [comments]  | ||
| Posted: 14 Jun 2019 07:38 AM PDT Is there any way to voluntarily leave the grace period for loans other than the Grad plus loan? Great lakes is telling me the only way is to consolidate, but I do not want to do that since I wont be able to target higher tokens. [link] [comments]  |
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