Finally paid! Student Loans |
- Finally paid!
- Should I stop contributing to 401K to pay off student loans?
- Trying to help my dad with his finances
- Applying for student loan to help with childcare while in school.
- CARES Student Loan Suspension and Increased Loan Payments
- Pay off or wait?
- Tdp questions
- Doomed?
- UK GOVERNMENT STUDENT FINANCE.
- Has Anybody received Official U.S Mail ( my contact Preference ) or at least an email regarding Extention of Benefit Cares Act until Dec 31 from Fedloans , like they did back in April when they informed about the Cares Act ? If so when ?
- Associated expenses
- Now a good time to refinance? Grace period ends in November, 2020
- Confused about the rules for getting a student loan as an independent student
- Question about federal loans and private loans
- Community college loan options?
- Does anyone have an experience with NaviRefi or Citizens Bank for refinancing?
| Posted: 29 Sep 2020 06:36 PM PDT Well I feel very happy today, Im currently a college senior graduating in May, but I just paid off $20,500ish in student loans in three months. I was very grateful to be able to find a great paying job during these times. I still have about $7,000ish left from another loan. But that's a huge weight off my shoulder nonetheless. It kinda sucks at the same time, to see it all gone from bank account. I've never made that much in a short period of time and probably never will really, it was nice to have that cushion. I try to keep telling myself it'll be all good. Luckily I'm still working and doing a full course load, so I'll still be able to make an income for now anyway. [link] [comments]  |
| Should I stop contributing to 401K to pay off student loans? Posted: 29 Sep 2020 08:57 AM PDT I'm 26. I make about 70,000 a year. I have $14000 I student loans. I'm contributing about 10%. No employer match. Should I stop and just pay off my student loans? I'd like to add that I just bought a house and have a mortgage I pay half of so $1100/ month. I forgot to mention that I'm trying to pay off my student loans before February. Right now there's no interest because of covid. [link] [comments]  |
| Trying to help my dad with his finances Posted: 29 Sep 2020 08:28 AM PDT I'm trying to help my dad with my student loans that are in his name. Some of those loans have really high interest rates. Is there a way to get them reduced? Or some other options? [link] [comments]  |
| Applying for student loan to help with childcare while in school. Posted: 29 Sep 2020 06:10 PM PDT Has anyone ever used part of their student loan for something like this? Is this ok? Any tips or thoughts? [link] [comments]  |
| CARES Student Loan Suspension and Increased Loan Payments Posted: 29 Sep 2020 05:53 PM PDT I haven't been able to get an answer or seen much online. My student loan payments were set to increase this October. Since the payments have been suspended from March until December 31 2020, I am wondering if my payments will be the new higher amount come January 1, 2021 or if they will be the previous amount. Trying to budget my savings and 401k contributions accordingly for the next year. [link] [comments]  |
| Posted: 29 Sep 2020 12:18 PM PDT Hi all, I was wondering what you thought of paying off the entirety of your student loan bill or a significant portion while the interest is not accruing? A friend of mine is looking for advice, but I got nothing. Part of what is holding them back is the possibility that a portion of the debt could be forgiven depending on who wins the election, or repayment-terms that would be more favorable to borrowers could be on the way. The amount they owe is not insignificant and this would take most of their savings but ultimately save them money and rid them of the burden. Thanks. [link] [comments]  |
| Posted: 29 Sep 2020 08:10 PM PDT Hello, I plan on applying for Total Disability on behalf of my mom for her PLUS loan. She is totally disabled. But she is 64. She will go from SSDI to regular SSI. Will this effect things? Additionally, how difficult is this process? I have all her paper work and am wondering should I make myself the representative due to her anxiety/ disability. Any and all help is appreciated. Thank you! [link] [comments]  |
| Posted: 29 Sep 2020 12:33 PM PDT I feel genuine panic about my student loans right now. I'm 30 years old. I make 50k. I'm a teacher, so I have to contribute to retirement. I work extra jobs throughout the year. I owe 112k in principle and about 26k in interest. I already live at home with low rent, so I'm just not sure what to do anymore. It seems too impossible to ever pay back. I'm not sure why I would even bother instead of paying the minimum amount for 10 years-- but seems like that program is sketchy. If I had paid consecutively over time I maybe would've been done by now, but of course I didn't because I couldn't always afford it. Of course, if I could go back I would do it all differently. [link] [comments]  |
| UK GOVERNMENT STUDENT FINANCE. Posted: 29 Sep 2020 01:59 PM PDT Hey, so iam currently 18 years old and doing btec for the next 2 years, iam planning on taking A level maths and further maths during the second year as a private candidate . Since i'll be over 19 during the second year i know i'll have to pay in which iam planning to take a student loan for as well as both a level maths and further maths. I searched through the gov site but didn't quite get a decent answer, i was wondering if anyone here could tell me how much and how many times i can apply for student financing, i'll need financial aid for the 2nd year of Btec ,2 A levels costing total of approximately £440, and then 3-4 years of university when i start my undergraduate programme at 21 as a mature student. Could i be eligible for student loans to cover all that? Btw i live with my parents and currently am not working and the unis iam planning to apply for will vary if i will be living at home or independently which could influence further financial help through the maintenance loan scheme. ——————————(Thank you)————————— [link] [comments]  |
| Posted: 29 Sep 2020 05:14 AM PDT Hi , I know that cares Act has been Extended until end of the year and I follow the news on studentaid.gov page , however I have Not received an official Mail ( U.S mail is my contact Preference ) or even an email from Fedloans about the extention ... They sent mail back in early April when the Cares Act was enacted , but this time for extention I have received No official letter or email from them. Has anyone received such mail or email from Fedloans about extention ? If so when ? I'm old fashioned and go by mail ... I also know my account is extended checking through automated phone system , I just want written proof. Thanks [link] [comments]  |
| Posted: 29 Sep 2020 12:18 PM PDT Hello! Apologies in advance if this is a dumb question. Do federal student loans offer additional funds for living expenses? I plan on working, hopefully full time if I can manage it, but if not at least part time. I most likely will need help paying rent. Is this accounted for? Thanks so much, I cannot get the federal student aid site to load on mobile and this question has been driving me crazy at work! [link] [comments]  |
| Now a good time to refinance? Grace period ends in November, 2020 Posted: 29 Sep 2020 12:17 PM PDT Hi everyone, I'm looking to refinance my student loans. I have a private student loan from Sallie Mae totaling to be around $10k with a variable 8.5% interest rate, and federal loans totaling to be $16.5k with fixed 4.53% interest rate. The grace period for my Sallie Mae loan ends in November, 2020, and I am wanting to refinance. When is a good time to apply to refinance these? It's almost October, so I'm guessing 1 month ahead is a good time, please correct me if I'm wrong! My plan is to pay these back in 3-5 years, and I have a job that currently makes $60k. Do you think it's a good idea to refinance both of these together? I'm aware that if I refinance the federal loans, it may take away some of the "benefits" that come with the federal loans. But I'd also like it to just be one payment a month at a significantly lower interest rate. I've looked at Credible, and saw an option where it consolidated it to be a fixed 4.99% interest rate and a good steady monthly payment for myself that lines up with how many years I'd like to take to pay them off. I appreciate all advice! [link] [comments]  |
| Confused about the rules for getting a student loan as an independent student Posted: 29 Sep 2020 12:00 PM PDT Hi, so I'm starting self-studying my A-Levels in October but was wondering about student loans for when I eventually apply to go to uni. I was kicked out of my parents' home in March due to extreme mental health problems on my side and now live alone in supported accomodation on disability and income-related benefits since I have an ongoing not fit for work note signed by a doctor. According to the independent student rules I read, it seems you must not have lived with/been supported by your parents for 3 years. I'm completely self-sufficient now so I don't see how that's completely fair... Does this apply even in a case like mine? Because if so, I'll be forced to take a gap year in order to get an appropriate student loan since my parents have a fairly high household income. [link] [comments]  |
| Question about federal loans and private loans Posted: 29 Sep 2020 09:37 AM PDT Hello! I am graduating this December with my MSW. I currently have about 20,000$ in private loans and 70,000$ in federal loans. Now, I work for the local government, so I will qualify for PSLF on my loans that are government. I am not worried about those. But, I am eligible to take out an additional 15,000$ in federal loans this year. (I am already paid off for all my schooling.) I am thinking about taking out the 15,000$ additional federal loans and put it all towards my private loans (those are leftover from undergrad.) The interest rates are almost identical, but I am thinking between PSLF and possible debt cancellation, this is a smart move. any thoughts? [link] [comments]  |
| Community college loan options? Posted: 29 Sep 2020 09:03 AM PDT I'm in school for a massage therapy program, and will need a loan to tide me over until I graduate and have an income. I don't qualify for a loan from my credit union since I have only been at my part time job for a month and a half (6 months required to apply for a personal loan), and it seems like a lot of private loans are only eligible for undergrad or graduate school degrees. Any advice on other private loan options? My credit score is excellent, I think I'm a good candidate for a loan. [link] [comments]  |
| Does anyone have an experience with NaviRefi or Citizens Bank for refinancing? Posted: 29 Sep 2020 06:53 AM PDT My private loans are services my Navient so I keep on getting emails about prequalify for NaviRefi and I was wondering if it is worth doing? I currently have an over 9% variable interest rate and I need to get that down. The fixed rate that I am shown to prequalify for is just under 5%. It looks like I can get a similar rate with Citizens Bank. Is there one that is better than the other? I haven't had any issue with Navient but I wasn't sure if Refi had problems. [link] [comments]  |
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