Do any of you have crazy high loans with no degree? Student Loans |
- Do any of you have crazy high loans with no degree?
- Pay off loans with spare cash or wait until interest forgiveness is closer to expiring?
- Nearly 100k in Sallie Mae loans, is refinancing an option?
- Is it possible to consolidate my fiancé’s student loan with mine?
- What are origination fees? And federal work study taxes
- Feeling overwhelmed
- parent PLUS loans
- Private Loan Forgiveness Under Biden
- Refinancing with a Credit Union, have to create an account?
- Declined federal loans at beginning of year - Now want to accept
- Loan Interest Statement Question
- A little confused... Federal loan time limits?
- Kind of panicking - receiving different info for in-school deferment
- Changing to PAYE from REPAYE While on PSLF
- Loan balance says zero.
- Nelnet Changed Terms of Loan
- Can anyone help about students finance
- ‘Returning’ student loans after 120days
| Do any of you have crazy high loans with no degree? Posted: 31 Jan 2021 07:41 PM PST Feeling alone and hopeless, would just like to see who can relate to me in misery. [link] [comments]  |
| Pay off loans with spare cash or wait until interest forgiveness is closer to expiring? Posted: 31 Jan 2021 06:42 AM PST I have ~5k to put towards loans currently, should I throw it in a short term investment as payments submitted through September are straight towards principle. Basically - pay off loans immediately or put money in 'safe' bet and pay when closer to due? Thanks! edit - 22M in USA [link] [comments]  |
| Nearly 100k in Sallie Mae loans, is refinancing an option? Posted: 31 Jan 2021 08:04 PM PST I currently a little over 93k in debt with Sallie Mae. Because the theatre industry is closed due to covid, I'm making way less than I was supposed to be right now, and Sallie May just upped my payment to $1200 a month. Is refinancing possible? And is it a good option? And how would I even start? I'm hoping to get a lower interest rate (mine is currently 11.7%) and lower my monthly payment to something manageable until I can get back into my chosen field. Does anyone have any advice about this? [link] [comments]  |
| Is it possible to consolidate my fiancé’s student loan with mine? Posted: 31 Jan 2021 04:13 PM PST Pretty much the title. We both have roughly $25k in student loans. Would it be possible to consolidate the two together so we can pay them down more efficiently? [link] [comments]  |
| What are origination fees? And federal work study taxes Posted: 31 Jan 2021 09:47 PM PST First year university freshman here, and I have taken out federal loans (servicer is Navient) to pay for college so my single immigrant mother doesn't have to. Can someone please tell me what origination fees are and why it is good to pay portions of your federal loans within 120 days of disbursement? Also, I know this isn't the right thread, but does any one have any pointers for filing tax as a federal work study student employee? I don't have any other jobs besides the one federal work study. My university is asking me to decide whether or not to file for tax exemption on a W-4 form and I have no idea what that means. Any tips would be greatly appreciated! Thanks in advance [link] [comments]  |
| Posted: 31 Jan 2021 09:46 AM PST So just needed to get this off my chest have about 144k in student debt. Currently in graduate school to be an occupational therapist. Will graduate in fall of 2022. Feeling trapped by all this debt. It has caused many fights between me and my husband. Been feeling very depressed and having dark thoughts. [link] [comments]  |
| Posted: 31 Jan 2021 08:22 PM PST i'm a high school senior this year and got accepted to asu. to make this brief i was offered about 15k in parent PLUS loans. would this be a good idea to accept? and are parent PLUS loans hard to pay off considering my family is middle class? [link] [comments]  |
| Private Loan Forgiveness Under Biden Posted: 31 Jan 2021 10:23 PM PST I have about $34k in private loans that I could pay off right now. The only thing holding me back is the little bit of hope that some private loans may be forgiven under Biden. Every article I have read only mentions federal loans being forgiven, there is never any mention of private loans. Has anyone else heard or read an article that mentions this possibility? I've already read about public service loan forgiveness. I am in the military and wonder if this would qualify. Do I just need to wait for more specifics? Thanks [link] [comments]  |
| Refinancing with a Credit Union, have to create an account? Posted: 31 Jan 2021 05:53 PM PST So I'm refinancing my private student loans to lower my interest rate. I put a pre application through PenFed Credit Union and they're able to get me 3.70% interest rate on a 5 year loan, my current loan is about 5 years left ($49k remaining) and has 6.84% interest rate. Overall my payment would drop because I'm paying so much interest, and I'm paying over my minimum anyway so my payments won't change. But PenFed is requiring me to get a membership to open an account? Are there any risks or cause for concern with this? [link] [comments]  |
| Declined federal loans at beginning of year - Now want to accept Posted: 31 Jan 2021 08:53 PM PST Hello everyone, I did not take loans first semester of my schooling. I declined the federal loans. I now want to obtain loans for this upcoming semester but I realized I initially declined the yearly loans. Is it too late? What can I do? I want to get it at the zero percent rate. Thanks! [link] [comments]  |
| Loan Interest Statement Question Posted: 31 Jan 2021 08:50 PM PST I refinanced $91k of federal loans in February of last year to a private loan (the timing sucked since the fed loans went to 0% a few weeks after I refinanced). I received my 1098-E from the Dept of Education and it says that the lender received nearly $20k in interest for 2020. I know for a fact that I only paid about $3,000 in interest for all of 2020, but I also paid about $55k off. Does the 1098-E show all the possible interest that would have accrued had I not made extra payments? Thank you [link] [comments]  |
| A little confused... Federal loan time limits? Posted: 31 Jan 2021 06:13 PM PST I attended university in 2012/2013, half time student for 2 semesters- fall & spring, using up my $9500 first year undergrad loan limits. Heading back to school this upcoming fall, haven't quite filed my FAFSA yet. I'm a little concerned by what the student loan website lists in terms of total limits, how many years you are allowed to borrow for, and am seeking a little clarification if anyone's got it: "If you are a first-time borrower on or after July 1, 2013, there is a limit on the maximum period of time (measured in academic years) that you can receive Direct Subsidized Loans."
For example, if you are enrolled in a four-year bachelor's degree program, the maximum period for which you can receive Direct Subsidized Loans is six years (150 percent of 4 years = 6 years). For the purpose of the following questions, let's assume these limits do apply to me:
Thanks guys. [link] [comments]  |
| Kind of panicking - receiving different info for in-school deferment Posted: 31 Jan 2021 06:13 PM PST Hi there, so I decided to take the semester off from my 4-year university and just take classes at my local community college my loan servicer said that as long as I'm registered half-time there, I'll stay in in-school status. However, I've since received some diff info from the CC:
I'm super confused and stressed [link] [comments]  |
| Changing to PAYE from REPAYE While on PSLF Posted: 31 Jan 2021 04:27 PM PST I am considering changing to paye from repaye because it will substantially lower my monthly payment, while on PSLF, given my lower income and higher debt load vis-a-vis my wife's. Once we file our taxes separately, is there any repercussions on changing plans on the 120-month payment schedule? Is there any potential issues that I should be aware of? Thanks! [link] [comments]  |
| Posted: 31 Jan 2021 08:08 AM PST This is my second semester in college. At the beginning of the fall semester I accepted a $3,500 subsidized loan ($1,750 for fall and $1,750 for spring). I paid off the $1750 for the fall and have the money to pay off the $1750 for this spring but my balance says it's at zero. My university financial aid says they got the loan for this semester from the DoE. I was with Cornerstone as my loan servicer, but it got changed to FedLoan this semester. [link] [comments]  |
| Posted: 31 Jan 2021 07:52 AM PST Has anyone else experienced a sudden reduction of their repayment term? Nelnet just shortened my term by 19 months which increased my monthly payments by 293% I've seen posts from others about a glitch in their system about future payment plans after Covid, but nothing about changing the terms of your current plan. [link] [comments]  |
| Can anyone help about students finance Posted: 31 Jan 2021 09:33 AM PST I have a small Mortgage and I I want to know how is that gonna affect if i were to apply for students finance England. I can rent the property out and maybe cover the mortgage but I wonder how that effect the maintenance loan. Please help? [link] [comments]  |
| ‘Returning’ student loans after 120days Posted: 31 Jan 2021 04:21 AM PST I am an independent because I am a grad student Story:. I was planning to go back but when it got to August, I decided to stay home. I realized that because I am doing school from home due to COVIDI have to change it on my application,, I didnt know that I technically was supposed to declare a change with being "from parents" on FAFSA back in fall semester. I want to change it now for both fall and spring. How should I go about this on FAFSA? Also I know with spring because its within 120 days they can just cancel it but with fall how would this go? Would I have to pay interest or fees? Also If I do this, would I be selected for verification? [link] [comments]  |
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