Bye Bye Student Loans! $115k total paid. Student Loans |
- Bye Bye Student Loans! $115k total paid.
- In a bad spot.
- Pell grant
- Med school kept my student loan money even after I dropped out. Please help
- How much debt is too much debt for a student to take on?
- Need help trying to figure out a new loan avenue
- Can I refuse to pay for an additional lab credit if there is no lab?
- Refinance If I Am Overpaying Monthly?
- What would be my options?
- How to be removed as cosigner on sister’s loan
- Leave of absence -loan advice please
- Looking to refinance
- Attorneys for student loans?
| Bye Bye Student Loans! $115k total paid. Posted: 15 Oct 2020 05:24 PM PDT Original Loan Amount: $96,374.00 Hiya All, I've been a long time lurker - almost for like 3 years. Your "paid in full" posts motivated me to keep grinding! A little background info: - Took out close to 96k in private student loans with cosigners (coz I'm not a U.S. Citizen) to attend a private university. - Was not a high income earner (six figure) until last year - you can see the dip in the loans when I switched jobs. My initial salary was $75k/yr. Things that I did: - Used to pay large chunks (think $2.5k - 3k) of my paycheck right after it hits my bank account. - Didn't go out to eat (or get takeout in COVID times) often when my friends pressured me - opted to make home cooked meal and have a cookout at home instead. - Prayed for this day to come sooner.. and now we're here! I'm officially debt fee. Thank you, all. Good luck with your loans! [link] [comments]  |
| Posted: 15 Oct 2020 02:32 PM PDT I'm 25m, and when I was 20 I succumbed to both familial pressure and a manic episode and took a 16k loan for school. I soon after had a mental breakdown after a civil court case and dealing with the aftermath of repressed emotions from a miscarriage the previous year with my ex. I flunked out of school and defaulted on payments. One year later, I was still a mess and my family talked me into contacting Optima Advocates to fight my loan. Unfortunately I listened to them a ton of money later they filed a cease and desist against my loan provider and my family told me it was handled. It has taken me five years to get my life back in order and cut off my toxic controlling family. Currently in the process of getting my adult life in order, but I've found out that my private student loan was closed via charge-off this year. One google search later I've discovered that's kinda sinking my life credit wise. Anyone got advice? Should I immediately personally contact my private loan provider and make new arrangements to begin paying it off? Or should I look for someone to help me contact them and make plans moving forward. I'd sincerely appreciate any help. [link] [comments]  |
| Posted: 15 Oct 2020 10:10 PM PDT |
| Med school kept my student loan money even after I dropped out. Please help Posted: 15 Oct 2020 10:00 PM PDT A few years ago i attended 2 years of medical school at xavier university school of medicine in aruba. I paid cash for 2 years and got a loan in anticipation if going into 3rd year. Unfortunately I never made it to third year and dropped out. The school kept 60,000 of the banks moneh that was meant for my education. I basically begged them to return it to the bank but they never did. Now i have the loan servicer trying to collect and I do not know what to do. I know I might have to get a lawyer and am trying to save up. Please let me know if anyone knows what kind of lawyer i need and what I can do to fight this. I got 90 days forbearance from the bank and they seem to be understanding and said they are on my side. I have corresponded with the school and they ignore all my emails. At one point I was able to speak with the financial aid department and they said they will send me the money now but still havent. Although the school is in the carribean.. all their clinical rotations are in the us and tbey have a office in nyc. Help reddit!! [link] [comments]  |
| How much debt is too much debt for a student to take on? Posted: 15 Oct 2020 05:41 PM PDT I am a 20 year old female and will be graduating undergrad next semester with $41,673 in debt for a Bachelor's in Health Sciences. I want to continue my education but I do not want to put myself into too much more debt whether I go to a community college or grad school to continue my education. What would you say is a reasonable amount of debt I could take on in addition to the debt I already have? I want to be able to buy a house, live comfortably and pay down my debt rather quickly. I'm thinking I shouldn't put myself in more than $60,000 dollars worth of debt max. What do you think? [link] [comments]  |
| Need help trying to figure out a new loan avenue Posted: 15 Oct 2020 08:09 AM PDT Long story short. Friend was going to a private nursing school getting a loan through Sallie Mae. Only way she could get it was her husband cosigning it. As she has no income. Has 2 years left and is trying to leave husband and finish school. Trying to find any options there are. And if I haven't said enough. Ask questions please [link] [comments]  |
| Can I refuse to pay for an additional lab credit if there is no lab? Posted: 15 Oct 2020 04:51 PM PDT So I'm taking a 4 credit class where we're supposed to be having a lab. However, we don't have any lab hours, especially given an online format. We get regular 2.5 hours. Since I pay tuition per credit, this means that I'm paying additional $500 for absolutely no reason as we don't get the lab. So is it fair to demand a refund from my uni for this 1 credit? [link] [comments]  |
| Refinance If I Am Overpaying Monthly? Posted: 15 Oct 2020 03:17 PM PDT Hey all, I am new to this subreddit, but I want to get your thoughts. I am about to hit my second year on my student loans and I have for the past six months been paying approximately 9 times my minimum payment monthly. I have $36,000 left and I am paying about $3,000 a month on a 5.99% interest loan. My minimum payment is currently $323.75 due to my good standing with AES. My question is, should I consider refinancing? I am on track to pay off my private loans by December of 2021 anyways, and I wonder that if I even get an amazing interest rate (something below 2%), if it will make a difference? I know I have leverage and good negotiation skills to chat with someone and get a great deal on my interest, but is it truly worth it at this extreme? Thanks. PS: I am not trying to "flex" on anyone, I am asking a serious question on if refinancing works in such an extreme case. [link] [comments]  |
| Posted: 15 Oct 2020 05:42 PM PDT I just graduated with a bachelors degree from a UC university. However, I am going back to school to complete some prerequisite classes to go into a ADN program for nursing at a community college, which I can then transfer to a BSN program at a state university. I recently received notifications from FAFSA that I already have a bachelors and am not eligible for the Pell Grant, but I was wondering what my options would be for student loans? I currently have 35k in student debt and wondering what other help I could do or loans I can take out for this path? any help? [link] [comments]  |
| How to be removed as cosigner on sister’s loan Posted: 15 Oct 2020 04:26 PM PDT 6 years ago while I was in college my parents somehow convinced me (or foraged my signature) to cosign for my younger sister's $36k student loan. Due to mental health issues she lost her scholarship, racked up some mean debt, and dropped out. Fortunately, she's since gone back to a much cheaper university and is one semester away from her degree. But the question is.... What are our options to get me off of the loan? While my sister is willing to refinance, consolidate, etc to get me off of the loan her credit is crap and I don't want to put her in a worse situation than she's already in. Subsidized NJ Class loan Balance: $37,442.27 8.6% IR [link] [comments]  |
| Leave of absence -loan advice please Posted: 15 Oct 2020 07:53 AM PDT Hello I am currently taking a year off of medical school and will be returning next fall. Does anyone have advice on which student loan repayment plan I should choose? I am unfamiliar with student loans so i'm unsure if i should just choose the standard repayment plan. I am currently unemployed so i am thinking maybe I need to choose a plan that has a lower monthly payment. Thank you in advance. [link] [comments]  |
| Posted: 15 Oct 2020 06:49 AM PDT I have about $43k in student loans through Sallie Mae. The average interest rate on those are around 10%. I graduated and got my first job out of college just a little over a year ago and I'm making just over $70k. I'd like to knock the interest down but I'm not sure on what companies to look into for refinancing. Mainly not sure on which ones to trust. The minimum monthly payments on my loans are $630, but I'm paying $800. However, majority of that is going to paying off the interest. Are there any penalties to refinancing? Any advice? Thank you! [link] [comments]  |
| Posted: 15 Oct 2020 08:19 AM PDT I actually signed up with an attorney in 2015 to work on disputing/dismissing my student loans because I was young and stupid when I got them and I had no idea what was going on. It's not a good excuse but the attorney asked me if things were explained to me, if I was shown a breakdown and monthly payments, etc., the answer was no. So they told me I have a good case to have the loans dismissed, but it's been 5 years and all that's been happening is me paying them a retainer monthly. They keep telling me it takes time but I haven't seen any changes. Does anyone know of any good attorneys for this kind of thing? Just to talk about it and see if there's any way they can help me. I live in Florida if that makes a difference. [link] [comments]  |
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