How much do you owe? Student Loans |
- How much do you owe?
- Student loans have me feeling hopless
- Student Loan Refinancing Options for DACA students
- If I dont owe interest until 6 months after graduation or being out of school, do I get that same benefit if I go back to school?
- Will your student loans be deferred if you enroll in classes at another college?
- Should I refinance with or without my father as co-signer?
- Question about IDR plan with married couple living separately.
- Has anyone recently used plastiq to pay navient?
- Where Do I Even Start.
- Private Student Loan Lender options with limits?
- $69K in loans with another $44K anticipated. Recently given $30K gift, what should my plan of attack look like?
- Student loan help - 23k
- Easily approved student loans?
- Who to trust?
- Am I eligible for loan forgiveness / cancelation?
| Posted: 28 Jun 2019 07:18 PM PDT | ||||||||||||||
| Student loans have me feeling hopless Posted: 28 Jun 2019 08:48 PM PDT I have $140k student loan debt with Discover, my father is my co-signer. I only make $1700 a month at my job, and Discover is asking for a minimum of $1400 a month. I've tried and been rejected for consolidation through multiple other companies and through Discover. I cant afford that obviously, but I dont know what to do. Can anyone offer some way to deal with Discover that could allow me to afford food and the roof over my head? [link] [comments]  | ||||||||||||||
| Student Loan Refinancing Options for DACA students Posted: 28 Jun 2019 09:43 PM PDT I recently graduated college and have $80,000 of debt. :( All the refinancing options I can find don't take DACA students. Are there any banks/credit unions/whatever that will refinance student loans for DACA graduates? I found a company called Stilt (based in California) that will refinance for DACA grads, but even their minimum interest rate is 8%. Still pretty high. Are there any other options? I currently pay 12%. It hurts. [link] [comments]  | ||||||||||||||
| Posted: 28 Jun 2019 11:15 AM PDT This is purely a question for curiosity sake. If I go to college and take out X amount of subsidized loans, Then I get out of school for 6 months, But later go back to school, Will my loans stop gaining interest again? Also, can I hold off the interest of these kinds of loans by simply taking one CC class after graduation or something or do you have to have full time status to hold off the interest? [link] [comments]  | ||||||||||||||
| Will your student loans be deferred if you enroll in classes at another college? Posted: 28 Jun 2019 08:46 AM PDT So I have 4 loans at a University, but this semester I am thinking about enrolling half time at a community college. But since I'm still half time at the college, despite not the one where my current loans are at, will they be under deferment? [link] [comments]  | ||||||||||||||
| Should I refinance with or without my father as co-signer? Posted: 28 Jun 2019 04:05 PM PDT Alright, here's a breakdown of my situation: 4 Sallie Mae loans: 2 at 9.125%, 2 at 10.500% Total Balance: $90,621.02 Min Payment: $966.13 Father is currently co-signed on these loans. My Income: $64,000 According to Credible pre-qualifying rates (which I understand are not guaranteed or final), I can get a 15 year loan at 6.05% fixed, which would drop the min payment to $767.16 per month, almost $200 per month in savings. I calculated those rates without adding my father as a hypothetical co-signer. My fathers income is $225,000 but has made it clear these loans are my responsibility, which is fair considering he won't charge me rent to live in his home. If possible, I would like to get these loans out of his name but I'm wondering if I really have a chance without him? I literally just graduated and I'm in my grace period still. Any help would be appreciated! [link] [comments]  | ||||||||||||||
| Question about IDR plan with married couple living separately. Posted: 28 Jun 2019 01:27 PM PDT Grad Loans (both mostly unsubsidized and grad plus loans) totaling $250k. Interest between 5.5-7.5% My wife and I are veterinarians and she makes good money ($130-170k/yr). I worked small animal emergency from July-June 2018-2019 making about $90k gross, and my student loans (with joint income on IDR) has been about $1770/month. But starting in July I will start a 3 year residency program that pays very little (32k/year). On top of that, my wife and I will be living separately for those 3 years because of the job opportunities (different nearby states). Her income will not change. My question relates to the IDR re-application. I certified my new (much lower) income and that I am married but separated from my wife (which then states I will be treated as single). Anyone have any ideas what my monthly payment will be for the next 3 years? Post-residency I will be making a considerable salary and can really pay off my loans in a matter of 7-10 years. Thank you for this sub! It is truly awesome to have such support. [link] [comments]  | ||||||||||||||
| Has anyone recently used plastiq to pay navient? Posted: 28 Jun 2019 11:47 AM PDT What is the contact information for navient that you entered that worked. Also, has anyone had any luck with paying navient with a CC over the phone recently? [link] [comments]  | ||||||||||||||
| Posted: 28 Jun 2019 05:07 PM PDT I'm getting close to going to School, and I'm not sure where to start looking for good loans. Does anyone have a suggestion about where I should start my search? [link] [comments]  | ||||||||||||||
| Private Student Loan Lender options with limits? Posted: 28 Jun 2019 04:59 PM PDT Information for context: Graduate student starting this August. Degree will be an MS in Medical Physics. I have been approved for an unsubsidized direct loan for $20,500, as well as a graduate PLUS loan for $48,000. After crunching numbers, finding the lowest rent available in the area (studio for around $1600, utilities included) I have minimized costs as much as possible (will be biking, eating in basically every day, cheapest phone service, etc.) . Herein lies the problem. This isn't enough to cover my attendance from out of state. I will be around $17,000 short in my estimates (which I have had other people from the family as well as a friend who lives in the area). I know that I should be able to pay for the loans once graduated and certified, many people in the field I've talked to mentioned the $150k+ salary for medical physicists. That said, against my preferences, I've been rate shopping today for a private student loan to cover those costs. I don't have immediate access to a co signer, most people I would ask don't have good credit, I have better credit than them (which speaks volumes) The results: Denied from Citizen's Bank. Approved from Ascent for the $17,000 with a fixed rate at 14.99% (good God this was a shock). Every other place I've checked either requires a cosigner or will only cover CoA - minus other financial aid (so they won't be able to cover anything, seeing as the CoA ceiling was already reached by my federal loans). My questions are:
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| Posted: 28 Jun 2019 02:59 PM PDT So a little background: I had ~$29K in loans from undergrad that I made minimal payments during my gap year. I'm now at $69K in loans after completing my first year of my masters. I'm in deferment and not making any payments currently. Half of my loans are not collecting interest due to the deferment. Interest rates are between ~3.6-7.6%. My offered loan package is $44K for my final year of school and I plan to take the whole amount out. I'll graduate May 2020 and anticipate a $70K starting salary minimum. I'm confident I can pay off my loans in around 5 years with an aggressive plan. I was recently given $30K to spend as I like. I'm planning to put $5K in a high interest savings account for an emergency fund, use around $500 to get myself a little treat, and use the remaining ~$25K to pay off some loans. I've never had this much money in my life and it hurts to think about "blowing" $25K in one go, even though I know that is likely the smartest decision. Due to that, I'm thinking of paying off two loans that collectively equal ~$5K @ 4.66% and putting the remaining $20K into my high interest savings until I graduate and then doing a full swoop once I have a paycheck coming in. What would you do? [link] [comments]  | ||||||||||||||
| Posted: 28 Jun 2019 02:13 PM PDT I'm currently a rising senior majoring in Material Science and Engineering at a pretty good engineering school. I'm starting to worry about my student loans. The average starting salary for a Materials Engineer is around 60k. But i'm worried if i'll be able to pay off these loans. I never really considered paying them off now and the burden they will carry. These are the total loans im expecting to pay off after I graduate
Will this be doable? I'm worried about living expensives, food,transportation, etc. [link] [comments]  | ||||||||||||||
| Easily approved student loans? Posted: 28 Jun 2019 12:41 PM PDT I'm a young married student and before marriage I went through the parent plus loan. Now I'm married so I need to find a student loan on my own. My credit is average at around 700 since I'm still only 21. I received enough fafsa to cover tuition I just need around 8/10,000 for living. I've tried applying for sallie Mae with my parents as co signers in the past but their credit is pretty bad so I was always denied, and their house just went into forclousure. Anyone know of any student loans with high approval rates? [link] [comments]  | ||||||||||||||
| Posted: 28 Jun 2019 12:09 PM PDT I have two different loans officers making recommendations for my loans that are now in default. One is telling me to consolidate with their lender the other is telling me to enroll in the government rehabilitation program? Either case I want to pay the least amount extra and eventually clear it from my credit...any advice? [link] [comments]  | ||||||||||||||
| Am I eligible for loan forgiveness / cancelation? Posted: 27 Jun 2019 11:45 PM PDT I have approximately $32k remaining in student loan debt, after paying on my loans for about 3 years. My loans paid for most of my Associate's Degree, and the 3/4 of my Bachelor's that I completed. However, due to circumstances with work and other obligations at the time, I dropped out of college just as I was beginning my next-to-last semester of my Bachelor's Degree. I dropped out in January of 2017, with the intention of returning once the rest of my life stabilized a bit. Unfortunately, my school shut down in October of 2018. I was unable to return to finish my degree, and there are no other options in my area (or really even near my area) to finish the degree. Most of my credits would not transfer to most other degrees in the same field, and the same degree is not offered anywhere else nearby. On top of this, my Associate's Degree is considered pretty diminished, due to the reputation my school built up in its last years and the eventual closing of that school. Many employers in my area don't consider it to be worth much, and I myself as an employer also consider it to be worth less than most degrees, when I see it on an applicant's resume. I understand that, since I finished my Associate's Degree, I am very unlikely to have that portion of my loans forgiven. However, is there any possibility that the debt I incurred towards my BA could be eligible for forgiveness? My apologies if this got a bit rambly. I feel like I've incurred so much debt and received nothing at all for it. Everyone that was enrolled at the time of the closure was able to get their loans forgiven, but I haven't kept in contact with anyone else who dropped out prior to closing. I know that my being unenrolled at the time of closure, especially for a year and a half, is probably the biggest factor working against me here. Has anyone been in a similar situation? [link] [comments]  |
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