Am I the only one that feels this way? Student Loans |
- Am I the only one that feels this way?
- Original amount loaned $39k, current balance $42k, total amount paid $23k
- For those of you with a pending borrower defense claim... Congress is paying attention
- Do I need to complete a new IDR plan for graduate loans that are coming out of deferment?
- Can I still apply for federal student loans?
- How much do we think interest rates are going down?
- In need of some student loan advice
- Can a Pell Grant pay for all of your schooling?
- Update: My mom is making me pay off her Parent PLUS loan of $46,000. I make $40,000 a year.
| Am I the only one that feels this way? Posted: 02 Nov 2019 05:18 AM PDT If we are going to be burdened with still paying for school via student debt, shouldn't we get the student price on subscriptions (gyms, Spotify, etc.)? [link] [comments]  |
| Original amount loaned $39k, current balance $42k, total amount paid $23k Posted: 02 Nov 2019 02:34 PM PDT I'm sure I'm not the only one... how is this even a thing?? Totally depressing lol [link] [comments]  |
| For those of you with a pending borrower defense claim... Congress is paying attention Posted: 02 Nov 2019 05:35 PM PDT Thought you would find this of interest. https://edlabor.house.gov/media/press-releases/chairman-scott-threatens-to-subpoena-secretary-devos-to-testify-about-departments-refusal-to-provide-debt-relief-to-defrauded-students [link] [comments]  |
| Do I need to complete a new IDR plan for graduate loans that are coming out of deferment? Posted: 02 Nov 2019 05:42 PM PDT Long story short, I have undergraduate and graduate loans through the fed being serviced by Navient. My in school deferment from graduate school (for my undergrad loans) ended in June so I applied for an IDR and have been paying them for the past few months. My graduate loans are coming out of the grace period deferment next month and I am confused as to whether or not I need to update my IDR. Navient told me I need to complete a new application for an IDR, but looking at studentloans.gov, none of the options seem to fit my situation. I'm already on a plan, my income hasn't changed, my family size hasn't changed and I dont want to be put on a different form of the IDR plan. Any insight on this? [link] [comments]  |
| Can I still apply for federal student loans? Posted: 02 Nov 2019 02:02 PM PDT So basically I took only one class in the fall and paid out of pocket, so I didnt apply for any student aid during that time. Now spring semester is starting and I am going full-time, and will need student loans. I am almost positive the FAO at my school said I could apply in the spring and it should be fine, but I just want to be sure. If anyone has any information please let me know! [link] [comments]  |
| How much do we think interest rates are going down? Posted: 02 Nov 2019 09:53 AM PDT Due to the fed rate cut.. Curious if I should wait at all to refinance. Currently sitting on 30k with 3.5-4.5 interest rats government loans. [link] [comments]  |
| In need of some student loan advice Posted: 02 Nov 2019 09:33 AM PDT Alright so here are the details. I have 4 student loans after grad school ranging from 6.0% interest to 6.8%. in total the amount is $56k. A few years ago my father passed and serendipitously left me just enough to almost pay off the debt ($54k). After doing a bit of research and considering I'd be making somewhere in the ballpark of $40k-$60k once I get a job as a licensed associate counselor in NJ I opted to pay off half of the loan and save the rest. Now my question is do I leave the loans as is and overpay each month, if possible, to pay off the loan sooner or do I request IDR (income driven repayment) and pay as much as I can? My main goal here is to pay off the loans as soon as possible and start saving for my and my wife's future. Any thoughts would be hugely appreciated. [link] [comments]  |
| Can a Pell Grant pay for all of your schooling? Posted: 02 Nov 2019 06:38 AM PDT I googled the max Pell Grant you could get, and it's about $6200. So if your EFC is zero, is the most financial aid you can get $6200 for the year, plus federal loans? I thought some people got their college paid for, but that doesn't even cover a semester at my university, and it's one of the most affordable universities where I live. [link] [comments]  |
| Update: My mom is making me pay off her Parent PLUS loan of $46,000. I make $40,000 a year. Posted: 01 Nov 2019 05:25 PM PDT I posted last week but just received the update that my mom is making me pay off her Parent PLUS loan of $46,000. I know it's her responsibility but she passed it off to me and I don't have a choice to deflect unless I want to ruin my relationship with her, which I'm not going to do. She's a doctor and the loan repayment option is based off that salary. The minimum payment is $262/month, but will that, I'll likely end up spending a total of $140,000 over the course of 50 years. I make $40k/year and live in New York, so I don't have a lot of disposable income. Could put $16k towards the loan now and then continue paying the minimum, but that won't leave me with much disposable income. Should I refinance the loan under my name? I am not planning on getting a mortgage or car anytime soon so don't care about my credit score too much. I guess I can also sacrifice all my free time and be miserable working 7 days a week and put that money towards payments. Feeling helpless. Sucks my mom's mentality is that she payed off her loans and I can do it too but I get it. Just wish they weren't tailored to her salary that's much higher than mine. [link] [comments]  |
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