Fed Loan Servicing Student Loans |
- Fed Loan Servicing
- Am I being scammed?
- Grace coming to an end and want to pay something now.
- staying at this school worth it? (~28k a year)
- Dual Student Loan Payment Self-Refinancing
- A Question Regarding FASFA
- Two loans, same interest rate. Nelnet has been applying only putting money towards the interest and principal of one of them.
- Awkward question...
- is http://www.freegraduatehelp.com a scam?
- What loans do I need??
- Filing fafsa married
- Trying to find some options for going back to school
- Can I Get a Lower Rate on $60k Federal Loan?
- Early inheritance money
| Posted: 01 Nov 2019 01:12 AM PDT I used to work for a non profit and assumed that getting my loans transferred to Fed Loan Servicing would be a good idea. I've recently left the non profit world and would like to remove said loans from this company. Any insight or experiences anyone has had would be greatly appreciated. Thank you in advance! [link] [comments]  |
| Posted: 31 Oct 2019 10:23 AM PDT So the past couple months I've been receiving calls from a random number with my area code and every time I answer, it's always a lady asking my if I want to qualify for student load forgiveness. I always immediately hang up but this time I decided to talk and within a couple a questions I was immediately qualified and transferred to a Student Loan forgiveness specialist. The specialist started asking personal about my family status, income, etc. to see if I would be a candidate for the program. I forget exactly what it was called but basically if accepted, the plan would last 240 months and with my current situation, I would have a monthly balance of $0 and I could technically pay however much I would like to pay for that first year period. At the end of the year, I would have to be re-certified to see if I still meet those requirements. It sounded like a great plan and started to give her personal information because I was interested. When she asked for my social I was very hesitant and she assured me it was required for the process of applying and I should've hung up there but I gave it to her. Before I gave her my social, she gave me her contact information to try and verify herself and inform me that this is legit. She gave me her name and said she was from the United Student Loan Assistance Center. She then said I would be required to pay like $200 for the first three months for the process to immediately start so I could get authorized for the program. At this point I told her I would call her back but she insisted that she would answer any questions I have or any doubts I was having. It just seemed to good to be true and I didn't understand why I would have to make those 3 monthly payments at first. Is this a scam? Was I dumb for giving all my personal information? (social, etc) I confirmed that the number she gave me with extension led me right back to her so I'm just not sure if this actually legit. She said if I don't call back by the end of the day, she would get rid of all the application files because it is sensitive information and if I wanted to apply again, I would have to go through the whole process again. [link] [comments]  |
| Grace coming to an end and want to pay something now. Posted: 31 Oct 2019 03:38 PM PDT Grace period ends this weekend. I have 10 fed loans totaling 150k principal with accrued interest of 20k that is about to capitalize. I have 20k to toss at these loans this weekend so what is the best way to go about this: 1) kill off all the interest so none capitalizes 2) chuck all 20k at the loan with the highest interest rate of 7.6% (rest of the loans range from 3-7%), and thus allowing the interest to capitalize on all my other loans. (Is this even possible??). Thanks for all the help. This is about to be one heck of an adventure.... [link] [comments]  |
| staying at this school worth it? (~28k a year) Posted: 31 Oct 2019 11:55 PM PDT im first year student with a lot going on in my mind. Im thinking of pursuing a finance degree which (according to google) is estimated to give me a salary of around 60k. im aiming for a batchelors degree and im paying around 28k a year. I'm not sure if this is a good investment or if this is even the right sub. im really concerned about my future and trying to think of other possibilities. any input will be very helpful [link] [comments]  |
| Dual Student Loan Payment Self-Refinancing Posted: 31 Oct 2019 11:26 PM PDT So, I'm not really sure if what I'm about to say makes sense, but here goes: I have approx. 20k in Federal Subsidized/Unsubsidized loans. I have another 12k in private loans. If it were just one loan repayment program, I could handle the monthly payment plan - however, because an emergency situation required a private loan to get me through the last semester, I now have two separate payment plans. This is really hard on me financially, so let me explain my strategy: I'm approaching Graduate School applications, and there's a very good chance that I'll be accepted as a graduate assistant that covers tuition + stipend. This will cover 1.5 years. You can probably tell where this is going: if I get this opportunity, why shouldn't I fill out my FAFSA and then accept the amount that I have due to the private lender as given to me by the Fed. Gov. Student Aid? This way, after Graduate School, I'll be in a better position with only one payment plan, letting me save an extra $300/month. I'm not sure if I can consolidate my private and public student loans for a single plan, so through FAFSA I'll at least be going through a single lender/loan servicer with only one bill due per month. I hope that makes sense. I hope that someone can give me a bit of advice here. [link] [comments]  |
| Posted: 31 Oct 2019 12:57 PM PDT I had a lousy two-semester period due to being the primary caretaker of my dad on hospice. The two semesters I took prior to these I finished with a 4.0. that led to my application for federal aid, three years after his death being denied. i have faith that the people who read these applications make the right decisions but my question is, is there anything i can do to be accepted down the line or as soon as possible? or is this a permanent stain on my journey to a successful livelihood? I genuinely can't afford college, and any money my parents would have saved for me to get educated unfortunately had to go to removing his left lung. [link] [comments]  |
| Posted: 31 Oct 2019 01:53 PM PDT Hello fellow loan payers... I have 2 loans with Nelnet:
These loans are from loan consolidation, as follows:
Month after month, I see that:
I guess my questions are:
I appreciate it! [link] [comments]  |
| Posted: 31 Oct 2019 06:31 AM PDT I currently have ~$35,000 in loans that are co-signed by my parents. I also have cancer. No definitive prognosis, but assuming the worst, will my parents be stuck with my loans? Not sure what factors might play a role in determining this, but roughly $10,000 is unsubsidized. [link] [comments]  |
| is http://www.freegraduatehelp.com a scam? Posted: 31 Oct 2019 11:21 AM PDT I've been getting phonecall after phonecall and emails galore from this website claiming: " Hi [offensively misspelled first name], Our company, FreeGraduateHelp.com, has been hired by your student loan lender, EdSouth, to assist you with your student loans. All of our services are FREE. Our student loan counselors are paid by your lender to offer assistance." I have only talked to them once and was able to gather that the lady calling had my account information and regurgitated all my personal information, Date of birth, last payment made to me and even gave me a few minutes to verify her identity before speaking. I gave her no information and grilled her extensively before ultimately telling her that I wasn't interested in help that I'm just dandy. I've ignored further calls but they leave messages like "Hi this is X with Y, we've been hired by EdSouth to assist you with your outstanding debt of $amount, please call us back." The amount is always correct. They've even started calling my employer and family members which has caused me great embarrassment. My employer made a passing comment to me about how much I owed on student loans. I felt sick and ashamed. I've changed my passwords and checked with my EDSouth servicer who claims they're not doing this. I feel really violated. I don't want to think they're doing this and I want to think this website is a scam but trustpilot says it's not a scam. Is this even normal? [link] [comments]  |
| Posted: 31 Oct 2019 10:04 AM PDT About to start grad school during which I cannot work. It is 2.5 years. The grand total for tuition comes to 63k. I have been out of undergrad for 2 years now and gross about 45k. I start school in 2 months. I have 15k saved up (was dumping a lot into 401k) and 9k loans left from undergrad. My anticipated salary when I graduate is about 170k. I have an apt that is $920 a month with all utilities included. How much in loans do you anticipate me having when it's all said and done? Thanks! [link] [comments]  |
| Posted: 31 Oct 2019 07:07 AM PDT Hope this is okay to post here. I'm getting married November 2019 and I am under 24. When I fill out my FAFSA for the 2020/2021 school year, do I use my parents tax info because I need 2018 taxes? Or do I use my info because I am married? We make less than my parents do so I would prefer to file as married! [link] [comments]  |
| Trying to find some options for going back to school Posted: 31 Oct 2019 08:54 AM PDT I left school over 5 years ago and I left with one course short of a Recreation Therapy degree. Prior to that I also completed a diploma in Social Service work-Gerontology. After I left school I started working in accounts receivables and I have been on repayment assistance. I knew I wanted to go back to school but was not sure what would have been a good option. I knew that the helping profession was not for me unless it was more so counselling because I'm more introverted. In 2018 I was told by OSAP that I was not able to get another loan until the current one is paid off. They did not notify me that I was moving into another category of repayment. Now I feel trapped because my current role is slow growing, so I wanted to get a certificate/diploma in accounting to specialize in credit. What would my options be to pay for school because I cannot pay out of pocket and I can not take a loan; I already have a large credit card bill from previous health related expenses. please help!!! [link] [comments]  |
| Can I Get a Lower Rate on $60k Federal Loan? Posted: 31 Oct 2019 09:16 AM PDT Gross Income: $95,000 Credit Score: 810
$60,000 Federal @ 6.4% $20,000 Federal @ 4.3% $15,000 Federal @ 4%
Would like opinions on options for lowering my interest rate. Would it be worth it to pursue a new loan for the $60k chunk? Would love to get that chunk down to 4% as it would save me about $100/month.
I am getting mixed search results on Loan Origination Fees vs. higher interest rate vs. payback period. I don't want to go through credit check, etc. if you think my rates now are as good as I'll get anywhere else. Thanks! [link] [comments]  |
| Posted: 31 Oct 2019 05:37 AM PDT My father offered me 10k when he found out i was engaged to contribute to the wedding or a downpayment on a house after the wedding, but i am torn because im thinking the right place for that money might be my student loans. Which sucks. I graduated in 2015 with a BS and 80k in debt. I have a combination of federal and private loans With monthly payments over $800 (obviously above the minimum, but the interest accumulates $100 a week so i have to be pretty agressive), i have paid my loans down to 60k in the last 3 years (16k federal avg interest rate 4%, 44k private, 5.32%) I make ~72k a year, and we live in massachusetts. My parner only graduated with around 35k in loans, and hes down to about 17k now. He makes ~42k a year. Our retirement funds are in pretty good shape, but we both def have negative net worths. Not spending it on loans- I wanted to spend the 10k on a wedding. Ive made a LOT of compromises in my life because of my student loans, and I don't know if im willing to sacrifice my wedding. Even if we keep the wedding super cheap (which we are planning on), it would be nice to have that to contribute to the home downpayment. We will get out of pur apartment and into an asset much sooner. Spending it on loans- If i do put the 10k towards the loans (the private loans with the higher balance and interest rate), i will go from 25% paid off to 37% paid off, and the amount that im paying towards interest every month will drop, saving me a lot of money in the long run. [link] [comments]  |
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