Goodbye :) Student Loans |
- Goodbye :)
- Paid off the outstanding balance of my student loan today!
- Just got a letter from Mohela (federal loan) stating that I have interest payments due soon. Didn't the CARES act make student loan payments optional till the end of this year?
- Consolidating my student loans
- Tried to pay my balance in full. Navient reversed the payment.
- International Financial Aid?
- Student loans under parent name
- Why am I getting calls about the Navient lawsuit?
- Bankruptcy
- IBR getting kicked off
- Loans vs Savings
- Discover Student Loans
- CitiBank Student Sloan
- Considering a $12,000 blunder by dropping out after having to deal with homelessness and psychological and mental abuse by employers and family members.
- Will mortgage affect my application for student credit loan ???
- FICO SCORE /STUDENT LOAN
| Posted: 30 Oct 2020 06:57 AM PDT It's been a wild ride and I'm happy to be leaving ya! A pat on the back and on to the next big thing. [link] [comments]  |
| Paid off the outstanding balance of my student loan today! Posted: 30 Oct 2020 12:55 PM PDT Today, I paid off the outstanding balance (approx. $22,000) of my student loan. I NEVER thought I'd see this day. I've saved like crazy the past 4 1/2 years, and I was finally able to take the plunge and clear my debts. Honestly, if you're in a position and have the financial means to clear your debts, just do it. The mental relief I feel is so worth the sacrifice. [link] [comments]  |
| Posted: 30 Oct 2020 08:26 PM PDT |
| Consolidating my student loans Posted: 30 Oct 2020 08:21 PM PDT Just need some advise. 2 of my loans are currently each at 9% (around 16,000 each so 32,000) another one has about 9700 at 5.4% (all of those are Sallie Mae) additionally I have one that's 15,000 federally halted and an additional one that's about 4700 that I pay $90 a month on. I'm trying to them paid off as quick as possible. Is it still worth refinancing into a lower rate or should I just pay them as quick as possible? Hopefully within the next 3 years down to 0. [link] [comments]  |
| Tried to pay my balance in full. Navient reversed the payment. Posted: 30 Oct 2020 07:40 PM PDT I don't want to get all conspiratorial, but is it possible they "reversed" it just to try and get more interest payments out of me? Here's the full story: I've been making my monthly payments to Navient since I graduated 8 years ago. One loan was paid off in normal time; the second still had a balance of $1,034. I decided I wanted to just pay that grand off. No more $75 payments for another year; just get it over with. I paid it on their website using the same bank account I've been autopaying from. I got a confirmation email. My account even says that the payment was received - with a little green checkmark. However, I check the detailed account history, and on the same day that the payment tried to go through, there's a "payment reversal" comment in the history. I got a message that says my bank rejected the payment because "invalid account info." But that can't be right; they use that same account every month to withdraw $75, why would it be invalid for this bigger payment? I called the bank and they said they aren't even seeing that any activity came through from Navient, so it isn't an issue on their end. Of course I can't call them until next week. I just deleted and re-entered my bank account info and paid it off in full again. Got a confirmation email again. Hoping this time it works; I was really hoping to knock off that $75 from my bills. Is it possible Navient reversed the payment so I'd just keep on being a sweet source of regular payment rather than (finally) releasing me? Is that crazy? [link] [comments]  |
| Posted: 30 Oct 2020 05:49 PM PDT I'm from the US and have been finishing up my application as an international student for UK universities. While it feels great to have my application almost complete, I keep remembering that I need to apply for financial aid . I've researched the ways to get financial aid through federal loans and what not, but I'm still completely clueless and confused as to what the most efficient route is and how to apply for it. Thanks for the help! [link] [comments]  |
| Student loans under parent name Posted: 30 Oct 2020 12:15 PM PDT Hey guys, I am planning to pay off my student loans while I am still in school. The only problem is I want to try to pay off the loans under my moms name since she pulled a loan out for me when I attended an out of state school. How should I go about this? [link] [comments]  |
| Why am I getting calls about the Navient lawsuit? Posted: 30 Oct 2020 03:18 PM PDT I have a student loans with FedLoan. I been with them forever. Lately I been getting robo calls that my loan could be included with the suit? Doesn't make sence because I'm with FedLoan. I know navient is transferring loans to FedLoan but what would that have to do with me? They want me to call back and "complete" my application. [link] [comments]  |
| Posted: 30 Oct 2020 09:46 AM PDT Has anyone been able to get their student loans discharged through bankruptcy? [link] [comments]  |
| Posted: 30 Oct 2020 09:31 AM PDT So when your student loan balance drops below the point where your IBR payment is below the payment level of a 10 year plan, you get kicked off. I'm getting kicked off in probably the next few months but I have no idea when (this is all assuming that we have to start paying loans Jan. 1). I'm making a significant payment in December that I think would drop me off the IBR plan. Up until now, my payment has been 0, but I've been paying loans from highest interest rate first and significantly beyond what my normal payment would have been. Will my interest capitalize on the loans that I have not been paying on? Should I take my big lump sum and pay all the interest and use the rest on the next loan or should I pay off that loan? [link] [comments]  |
| Posted: 30 Oct 2020 07:35 AM PDT Hello all! I have been scratching my head on how to attack my student loan debt. I have 138k in federal loans that I would like to pay off as aggressively as possible in the next few years. However, I would also like to efficiently save/invest as much as possible. Recently started a job after graduating in August. Net income is 6.2k per month. I have roughly calculated/considered that I can maintain my QOL with 33% of my income. Leaving me 66% of my monthly income to pay loans or invest. I do have a Roth IRA that I recently started (have not even come close to maxing out in 2020) I do not anticipate any large purchases in the next year or 2. (possibly a sprinter van!), but I do plan to keep about 10k in emergency funds (grad gift from parents) 401K does not begin after 1yr with employer Any advice? Should I max out my Roth IRA every year and dump everything else into loans? or dump everything into loans? I do plan on refinancing after the interest restarts on the federal loans. Thanks! [link] [comments]  |
| Posted: 30 Oct 2020 10:53 AM PDT Hi guys! I'm going to try to make this quick. I was wondering if anyone here is serviced through Discover and is able to still use the Covid deferment? I stupidly didn't do it during the height of the pandemic, but was able to pay down over 13k of one loan serviced through them by putting my unemployment to good use. The other loan is a culmination of 3 with the monthly payment being $928 per month ($76k total). Now that I only have $12k left on that other loan, I want to do my best to take that one out, but I'm afraid of compounding interest on the other culmination of loans as they average 12% interest and I cannot find a co-signer to refinance. [link] [comments]  |
| Posted: 30 Oct 2020 06:42 AM PDT Hello all. I recently got a good quote (low interest rate) if I choose to refinance with Citibank (via Credible). My current servicer is Sofi but the estimated fixed interest rate is almost a pull percentage point lower if I decide to change to Citibank. Does anyone use Citibank? If so, what are your experiences (app? Customer service? Ease of making additional payments, etc.)? Any comments, pros/cons, and tips are welcome! Thanks! [link] [comments]  |
| Posted: 30 Oct 2020 07:16 AM PDT I was recently kicked out of my relative's house due to working and going to college during covid after 2 years of extreme torture from them. I have missed the student financial aid deadline and I might just consider dropping out all together. Hell one of the reasons I never had money tucked away was due to the college needing a $500 handout to accept me for a semester. So I have to ask. With $12,000 looming over my head, what do I need to do to pay it back? I currently work at Walmart. [link] [comments]  |
| Will mortgage affect my application for student credit loan ??? Posted: 30 Oct 2020 04:51 AM PDT I am 3rd yrs undergrad , and Had saved enough for my down payment with a help from parent , and now my dad would like do to a joint mortgage with me to buy a house , and they will pay the mortgage for me every month, but is that going to affect my application for student line of credits application , since I'm planning to pursue in med school next year and need to borrow the bank for tuition. [link] [comments]  |
| Posted: 30 Oct 2020 12:31 AM PDT Recently borrowed student loan for college (it's subsidized meaning I don't have to pay until I finish college) FICO score on my bank account dropped and states "Proportion of loan balances to loan amounts is too high: FICO Scores weigh the balances of mortgage and non-mortgage installment loans (such as auto or student loans) against the original loan amounts shown on a person's credit report...." What does that even mean and do you suggest I pay off the student loan in full before it even enters repayment (I'm a freshmen in college so I have 4 years until I owe any amount to the loan company) [link] [comments]  |
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