TransUnion Credit Score dropped 50 points couple days ago for no reason... Student Loans |
- TransUnion Credit Score dropped 50 points couple days ago for no reason...
- Pell Grant Income Eligibility
- new grad lots of debt
- Student loan payoff
- federal loan disbursement
- Question about Aggregate Loan Limits for Dependent Undergrad students?
- Are Perkins Loans Eligible for Income Based Repayment?
- Where to start - private loan for medical school Please Help
- Help.
- First time loan
- Question about student loans after undergrad
- Private loan for med school - no income-based repayment plan during residency?
- Just got this letter in the mail from a law office in my state. Am I going to be sued? What should I do now?
- Will I be able to refinance some of my loans if not all of them have entered repayment?
TransUnion Credit Score dropped 50 points couple days ago for no reason... Posted: 06 Jun 2020 08:41 PM PDT When I called, they couldn't explain why that happened. I'm aware of the Great Lakes bs going on, but I don't even use them as a lender! I opened a dispute with TransUnion for the second time, hopefully they can tell me what's going on. Has this happened to anyone else who doesn't use Great Lakes? [link] [comments] |
Posted: 06 Jun 2020 07:54 PM PDT Does anyone know what the income cutoff for Pell Grants is? My wife and I combined made $45k in a high cost of living area, but per the FAFSA we make too much for anything. EFC is 7693. I've looked over the FAFSA several times, but don't see anything wrong. All her school's financial aid office says is that she is not eligible because of our income. She received them last year (when our income was much lower), so I know she is otherwise eligible. [link] [comments] |
Posted: 06 Jun 2020 08:00 AM PDT I finally finished my student career. I'm looking to consolidate my loans. Currently I have $215k in federal loans and $25k in private loans. yikes... I started doing my research but I am at a complete loss on where or how to start. Great Lakes offers consolidation options. I also heard good things about SoFi especially with COVID-19 going on now. My profession will start at $100k +/- some with approximately $21k growth over 10 years. Any tips or pointers would be greatly appreciated. [link] [comments] |
Posted: 06 Jun 2020 07:06 PM PDT Why should I pay off my student loans if I can write off interest paid? Am I missing something? [link] [comments] |
Posted: 06 Jun 2020 09:54 PM PDT hey all, incoming first year med student here. So ik typically schools will send out federal loan funds in two disbursements throughout the year, but is there any way to NOT receive a lump sum in the beginning of the semester and instead request as you go? (Basically since interest starts accruing once the funds disburse, I'm trying to see if there's a small way to save here lol) Related questions: if I cancel/send back part of my loan, can I re-request funds if I sent back too much? and for grad plus loans, since the application asks for a specific loan period, can I just fill out the loan application multiple times (as I need the funds)? [link] [comments] |
Question about Aggregate Loan Limits for Dependent Undergrad students? Posted: 06 Jun 2020 08:33 PM PDT Currently I attend Lamar University and will be going into my 4th year. I plan on graduating in December 2021 and I major in Computer information systems and I am in Good Academic Standing. I realized that there is a limit on how much I can borrow federal loans which is at $31,000. Right now I have borrowed up to $23,284 since August 2016 which leaves me with $7716 of federal loans left to borrow. My parents have taken out a parent plus loan each year to help with the costs as well. Since I graduate in December 2021, I have 3 more semesters. So will I be given aid based on how much left I'm able to borrow? For example, I was given $7500 last year which is the third year and beyond undergraduate annual loan limit. What if I'm given $7500 again this year? (Which would leave me with $216 of federal loans for my final semester in December 2021). Would I be able to lower the amount of aid to $5500 or lower so I'm not too close to the limit of $31000 too soon? [link] [comments] |
Are Perkins Loans Eligible for Income Based Repayment? Posted: 06 Jun 2020 01:56 PM PDT I have a few perkins loans from 2 different schools. Are they eligible for income based repayment if you are unemployed or not making much money? [link] [comments] |
Where to start - private loan for medical school Please Help Posted: 06 Jun 2020 03:44 PM PDT Hello everyone, Any advice would be appreciated! [link] [comments] |
Posted: 06 Jun 2020 11:54 AM PDT Every time i try to explain this i sound like an idiot but i don't know what else to do. I'm open to answering any questions btw. So, i applied for FAFSA back in November and i didn't find out until i was in quarantine mid/late March that my FAFSA was wrong. Ever since then i've been trying to fix it but my situation is a little unique. My dads sick so he hasn't been filing for taxes for years, and my mom does file and has a couple of company's under her name for the past couple of years. She's also retired now. She files head of household, and whenever i do this, it was always wrong. i just want to know why. I haven't been able to contact anyone from my high school because school ended abruptly and i was hesitant to send any of my moms tax information through email... well because i get paranoid that someone who shouldn't see that, will see it. My paranoia probably ruined any chance i had to getting aid this year. I need a student loan, like asap. I haven't been able to get a job because pandemic, and i've been searching anywhere that pays well because i do have to pay car, car insurance and i need to find a place to live. I feel like everyone has Sallie Mae, but i don't know if it's any good. I don't wanna get it just cause everyone has it, because i want to get something that would work for the time being. I don't have a co-signer either. I might have to live on campus which is, very very very expensive. I don't know if i should just take out a loan for just one year and then apply to FAFSA next year get a job and pay off the one year loan or... actually there wasn't a second option. That's just what i'm thinking about doing. Take out enough to cover for one year of school and housing until i get a stable job and FAFSA. Gimme guidance, pls. Don't hesitate to give me real world advice, i know it sounds i'm over my head but i don't know what to do. [link] [comments] |
Posted: 06 Jun 2020 06:48 PM PDT Soooo hey all, I'm a transfer undergrad student going into my third year and have evaded loans until now. I'm not sure what it is I have to do or who I need to talk to, so I figured I'd do what I usually do and ask the great people of reddit! any advice would be great. I'm unfamiliar with how any of this works as I'm the first in my family to hopefully get a bachelors degree. Thanks in advance:-) I'll be needing about 30-40k in loans overall for the remainder of my schooling if that helps any. [link] [comments] |
Question about student loans after undergrad Posted: 06 Jun 2020 10:30 AM PDT So I'm from a poor family so the government gave me around 19k in grants however I qualify for 5500 in federal loans and I want to go to law school after undergrad but there is no way for my parents to repay the loans after undergrad. This is because they'll be paying $6000 every year since even with the grants and federal loans I'll still be short. I was wondering if there's any loan deferrment program while I attend law school that way I can pay after finishing law school. [link] [comments] |
Private loan for med school - no income-based repayment plan during residency? Posted: 06 Jun 2020 04:47 PM PDT Hello everyone, I am new to foray into private loans and loans in general. I have to get private loans for med school due to it being "for profit". It is what it is, and I have accepted that fact. With that said, I have calculated so far, with a 7% fixed interest rate (just guessed in comparison to federal rate) and assuming I take out the maximum estimated cost of attendance for all 4 years, that my total debt + interest would be $478,440. I think just looking at Sallie Mae (have not compared with other companies), the repayment plan would be over 20 years. I do think atleast for now, that I would definitely not be taking the maximum, and am looking to take out maybe $25k less than the total estimate yearly. Now, I have done some reading comparing federal and private loans. I know federal loans have income-based repayment plans, meaning they allow for residents to pay less monthly given that avg. salary would be $50k during those years. Is this not possible at all and are there no other alternatives for private loan borrowers once in residency? Any advice would be greatly appreciated, thank you. [link] [comments] |
Posted: 06 Jun 2020 09:45 AM PDT I'm not sure what to do (or not do). I defaulted on this loan a while back, and since then it has passed through various creditors and one or two law offices. But this time it's a local law office. That worries me that they're going to sue. NOTE: The statute of limitations may be expired on this. I'm pretty sure my last payment was made well over 10 years ago. The letter's text below: RE: (student loan company) VS. (my name) Dear (my name): Please be advised that we have been retained by (student loan company) to collect the sum of (my loan amount), plus interest and attorney's fees (where applicable) against you. Unless you dispute the validity of this debt in whole or in part, the debt will be assumed valid. If you dispute this debt in writing within thirty (30) days, we will obtain written verification of the debt or a copy of the judgment against you, as the case may be, and this verification will be mailed to you. Should a lawsuit be authorized, this would unnecessarily increase this indebtedness by adding Court costs, interest and possibly attorney's fees. We are giving you an opportunity to adjust your account amicably. Since it is the desire of (student loan company) that you take care of this account directly with us, your attention on this matter will eliminate the above-mentioned course of action. [link] [comments] |
Will I be able to refinance some of my loans if not all of them have entered repayment? Posted: 06 Jun 2020 09:45 AM PDT All but one of my loans have entered repayment. I would like to refinance two of the highest interest rates loans that I am currently repaying. I'm wondering if I can apply to refinance now, or if I have to wait until the final loan enters repayment (and I have better data about what my income/debt ratio is). [link] [comments] |
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