Navient loans are being paid diligently but federal tax refund got taken Student Loans |
- Navient loans are being paid diligently but federal tax refund got taken
- Stressing Out About Lack of Loans, Don't Know What To Do
- Is there forgiveness if you have a child with a disability?
- Looking for some advice - 127k in loans
- Need help figuring out a second loan.
- Recently applied for Income-Driven Repayment, now my situation has changed. Can I reapply?
- Advice on undergrad loan repayment
- How the heck do we pay for college?
- How long does Nelnet take to process an payment?
- Student Loan Limits
- Student loan dilemma
- There seems to be an increasing chance the government will be cancelling or forgiving student loans in the next few years. Does this make paying off your loans seem futile?
| Navient loans are being paid diligently but federal tax refund got taken Posted: 15 Jun 2019 09:38 PM PDT Husband has student loans in navient that we are paying (and overpaying to clear them). However our massive tax refund just got taken due to federal offset due to delinquent loans by Department of Ed. We are not sure how we can be delinquent if we are paying everything in Navient. We've gotten mail from RevCrest and now Coast about delinquent loans but thought they were a scam. At one point he sent them info from Department of Ed with his current loans and they went silent so we thought they backed off. But now we lost this massive refund. The letter we got from the Dept of Treasury says we owe Department of Ed but other than that the account number they provided is just a couple digits prepended to his SS# and doesn't match any specific loans. Can someone help explain how we go about sorting this out? [link] [comments]  |
| Stressing Out About Lack of Loans, Don't Know What To Do Posted: 15 Jun 2019 06:51 PM PDT Hello everyone, so I recently just decided to transfer colleges as my previous one was an expensive private school, I didn't have enough to live on campus, and had to stay at home but my home life is horrible and I might not have a home in a year. After transferring to my new college, I'm finding myself in a struggle. I previously had this thing called the KTG grant which is a Kentucky specific grant that gives students an extra $3,000 a year for attending a private school. However, my current school doesn't get that. Therefore, I'm finding myself about $3,000 short of being able to pay for tuition. Heres where my question comes in; I have no one able to cosign me on a loan, as my parents have no credit, father has a 3/12 month year job that pays $13 an hour, or horrible credit in general so co-signing isn't an option due to a lack of general funds. However, I was reading on studentaid.gov and the Parent Plus loan states that if your parents are unable to secure the loan, then the student gets an extra $4,000+ onto their limit for the unsubsidized loan. What deems my parents not-eligible for this loan and how would I ask my college for it? My mom is out of the picture and my dad uses every bit of money he gets to support us, leaving my household hanging by a thread of government aid (foodstamps, ssi, etc). [link] [comments]  |
| Is there forgiveness if you have a child with a disability? Posted: 16 Jun 2019 01:44 AM PDT Husband is in debt. Our four year old was recently diagnosed with ASD. Therapy costs are expensive until we reach our out of pocket max. Is there loan forgiveness when a situation like this arises? [link] [comments]  |
| Looking for some advice - 127k in loans Posted: 15 Jun 2019 07:30 AM PDT Hello all, I will be graduating with my masters this August. I have about 80k in loans for my undergraduate program and 39 for the graduate with GradPlus. I have paid off a seperate 16k through Heartland ECSI and 5k from a private loan at Bank of North Dakota. All of the loans I have left are through Great Lakes. The gradplus have the highest interest at 7%, while the others range between 3-6%. I am making 47k a year and should be able to put 900 away each month towards loans. Based on some calculations, I should be able to pay everything off in roughly 10 years, excluding any raises or increases in pay between now and then. I would like to buy a house before all of this is paid off and perhaps start a family, as I just got married this year and am 28 years old. What are thoughts from others on this? What should I be focusing on? I appreciate all advice! [link] [comments]  |
| Need help figuring out a second loan. Posted: 15 Jun 2019 11:05 PM PDT Hi guys! I will be attending a 3-year graduate program soon and I need some help. The school has offered me a maximum amount of unsubsidized loans of 10,250 per semester. I need about an additional 30K for living expenses. What are my options? Do I qualify for grad direct plus loans even though the unsubsidized loans cover the cost of tuition? Should I get a private loan and from where? Thanks! [link] [comments]  |
| Recently applied for Income-Driven Repayment, now my situation has changed. Can I reapply? Posted: 15 Jun 2019 02:03 PM PDT As the title states, I recently applied for Income-Driven repayment, paying 338/month. My nieces are now staying with us for the foreseeable future (anywhere from 2 months-forever). With two more mouths to feed, cloth, and care for, am I able to reapply for a different repayment option? Pertinent information: making 90k annually. Married, wife is a student with student loans. 2 kids, now 4 with my nieces. I have 40k in student loans, paying 338/monthly. Direct Loan-Unsubsidized $23,255.74 at 5.310% Direct Loan-Unsubsidized $10,905.34 at 5.310% Direct Grad PLUS $6,215.91 at 6.310% The issue is we have other debt that we need to pay down at the moment, which is why we are having difficulty paying student loans at the moment. The current plan is to start snowballing our debt, I just don't like falling behind on payments. Thanks in advance. [link] [comments]  |
| Advice on undergrad loan repayment Posted: 15 Jun 2019 10:07 AM PDT So, I'm in what's probably a very familiar situation to many out there. I currently owe $17k on undergraduate student loans (both federal subsidized loans). The lower amount ($5k) has an interest rate of 5%, while the pricier one ($12k) has an interest rate of 4.29%. I have about exactly the amount saved up, but my goal has been to reach $20k saved before making aggressive payments (e.g., putting all extra money into loans). In the meantime, I've been paying the minimums for the past 3 years (graduated in June 2016). Currently I have no other debt, but am heavily considering going back to school within the next 1-2 years. In the meantime, I'm doing everything I can to save. I make around $70k per year and can afford to budget more closely. I'm also going to be picking up part-time work or side gigs to throw some extra cash at the loans. My question is: what would be my best plan of attack? Should I try to pay off the higher-interest loan (around $5k) immediately? Does anyone have any advice for the best route to go in this situation? I know very little about loans and absolutely should have done research before this point, but getting out of school and into the workforce was already a whirlwind. Thanks in advance for any tips, advice, etc.! [link] [comments]  |
| How the heck do we pay for college? Posted: 15 Jun 2019 02:51 PM PDT Hi guys. So my family has never had to pay for someone to go to college before so we have no idea what we are doing. I'll just lay everything I know out there and hopefully you all can help me out. I just graduated high school. The estimated cost of college is a little over $20,000. With the scholarships I have received, my first year cost will be about 10 thousand. I qualify for a federal unsubsidized loan of up to $5,500 and for a parent plus loan of up to $12,339. My parents want to pay for as much of my college as they can. Their total income before taxes is about $150,000. So because we have never done any of this, what is the best course of action? How much of what loans do we accept? Or is it better to look into private loans? [link] [comments]  |
| How long does Nelnet take to process an payment? Posted: 15 Jun 2019 09:24 AM PDT I've paid off the rest of my loans (roughly $7k) last Saturday (7 days ago). On Nelnet, it says the payment is still processing? They've already deducted the money from my checking account. Does anybody know in their experience how long this typically takes? [link] [comments]  |
| Posted: 15 Jun 2019 05:57 AM PDT I couldn't find this answer but if this gets down voted I know I missed it. For the $20,500 limit per year on federal loans for graduate school is the limit a 12 month rolling or calendar year? Can I get $20,500 for the fall semester 2019 and then another $20,500 at any point after January 1st 2020? Thanks [link] [comments]  |
| Posted: 15 Jun 2019 09:25 AM PDT Hey guys, I am currently going into my junior year studying business administration with IT management. Currently, I am at 90k in debt worth of student loans. The reason why I chose this school would be considered kind of foolish but I didn't care too much for my debt when I knew i'd be putting myself in this position, so now I am at a point where I still don't know what I actually want to do and I came here for help. Should i continue my two years left and have around 200k in student loans with a possible entry level job at 70k+ or should I leave and go to another school to pursue what I feel like my heart should've followed, which is music (Music Engineering). The school would be considered cheaper in my state but would still have a little debt to add on, not too much. [link] [comments]  |
| Posted: 15 Jun 2019 01:21 PM PDT |
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