NEW Rule 8: Professionals must be verified Student Loans |
| NEW Rule 8: Professionals must be verified Posted: 29 Nov 2019 09:02 PM PST From time to time, we have users come to /r/StudentLoans in a professional capacity or claiming to have expert knowledge. These users sometimes do have valuable expertise gained from their work that they graciously share with the sub (such as /u/betsy514), but some are self-interested entrepreneurs who are hoping to profit off of this large and growing community. And others make low-effort posts like "PM me, I can help", which provide no information about their expertise or possible conflicts-of-interest. In order to balance the competing needs of the community, the moderators are instituting this new Rule: Users are allowed to be here in their professional capacities (subject to the other rules of the sub), but must be verified by the mod team and will be given flair noting their role/affiliation. This way users will be able to quickly identify expert sources of information while also being made aware of actual or potential conflicts-of-interest those experts may have. Posts and comments by unverified professionals will be removed. Repeat infringers may be temporarily or permanently banned. Please help by using the report function to flag content from unverified professionals and reminding them of this rule. If you are not a professional, you do not need to be verified to participate here. Some examples of professionals (not an exhaustive list). This rule applies to users who--
If you claim to have professional expertise from the recent past -- even though you're no longer in that role or with that firm -- we may still ask for proof of that. Verification Process To be verified, please send a moderator mail message that tells us who you are, what your professional affiliation with student loans is, and provide documentation to that effect using an upload/sharing service such as imgur, dropbox, or a verified Twitter account. You are in the best position to know what documentation will prove your identity; if we need more, we will ask. Good documentation will likely include the following:
The flair we give you will contain the information from #2 and #3 only. We won't ever share or use your real name (unless you already do so here yourself) and we won't share the documentation you provide; it will be for verification only. If you have other privacy concerns, let us know and we can discuss them on a case-by-case basis. Once you are verified, you will be notified and given flair on /r/studentloans and /r/PSLF. There is no need to re-verify, unless you change employers/roles, though the mods reserve the right to ask for more documentation or to cancel verification based on new information we receive. Again, this rule only applies to users who claim to be professionals as described above. If you are a professional and would like to contribute here fully anonymously, without revealing your affiliation, we can't stop you. But then you must not claim to be a professional in your posts or comments. Comments are open below for questions and discussion about this rule. [link] [comments]  |
| Posted: 29 Nov 2019 07:58 PM PST As of now, I have no student debt. In fact— I'm only a junior in high school. Then why am I here? Well, I was wondering, if people are willing, if I could get filled in on just about anything you wish you would have known before you went into college. I don't know the first thing about student loans, or how to get through them in the smartest way. I am going to be applying for as many scholarships as possible and working for the next year and a half to save up, but I want to be debt free when I get out of college— the one thing I don't want to happen is to get caught up in debt that slows down the rest of my life. I am going for 4 years, likely into product design, so my student debt shouldn't be too severe. There is a large paid internship program at my school of interest. There's a chance I'll go for a Master's degree, but that's way too far ahead to plan. My parents don't want to share our personal financial info with me so the financial world seems so distant, and I'm worried I'm going to be really unprepared, when I want to be far ahead of the game. Advice, info, and experiences are all welcome. How do I avoid traps I can't escape? If someone pays loans off before graduation, then how did they manage? Is it worth paying it off before graduating? Is it possible to avoid loans altogether and is that effort worth it? I know there's too many factors to count in determining my situation, but I hope I can get some general ideas. Thanks! [link] [comments]  |
| Posted: 29 Nov 2019 11:55 AM PST hello! i'll just get right to it. Sallie Mae is trying to make me pay over $1000 a month in loans when i only make about $32k a year. I have about $120k that i owe to them and have a degree in psychology and am planning on going for my masters next august. I graduated december of 2018. I tried to refinance with Citizens but they denied me. My co-signer is 85 years old and cannot make these payments easier. I cannot make much more money in my field as of now until i go back next august. I used 6 months of my forbearance as well. Should i try to refinance a lower amount with another company? Should i just ignore and let my credit plummet? should i make lower payments? please help not sure where to go at this point. My other expenses are about $1000 per month so i can't pay what they're asking. [link] [comments]  |
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