My Experian account says my student loans accounts are closed Student Loans |
- My Experian account says my student loans accounts are closed
- Taking out 28k for History MA from an Ivy League?
- refinancing question
- Refinancing just one loan out of many to increase odds of approval?
- Should I apply for the FASFA if i'm unsure if I'm even going to college?
- Student Loan Consolidation?
- Why isn’t my history showing up on my fasfa account
- Peter Schiff on history of student loans
- If I have already started loan rehabilitation
- SallieMae is scamming me out of $5,600
- Should I refinance HHS/HRSA Nursing Student Loans?
- 100k+ student loans (international)
- Dispute Student Loan?
- How do I unifying all my loans?
- Help with Navient hell.
- Calling SallieMae
- I officially owe more in parent plus loans than my mortgage. Which so I focus on paying?
| My Experian account says my student loans accounts are closed Posted: 27 Feb 2021 06:50 PM PST I have a loan of 4K and I'm not supposed to start paying till I'm done with school but paying here and there. My Experian just got notice of my loan but it's marking them as closed ?? I'm still in school and I literally just got this loan less that a month ago so why is it marking it as closed ? Do I have to contact Experian to fix it [link] [comments]  |
| Taking out 28k for History MA from an Ivy League? Posted: 27 Feb 2021 08:06 AM PST Hi there, I have 18k from undergrad and I'm thinking about taking out 28k for tuition for a History MA at an Ivy League (they are paying for half.) Worth it, maybe worth it, or avoid at all cost? My understanding is that if I expect to make around 50k after, then it might be worth it. Thanks for any advice. Edit: Want to teach at community college level or higher, alternatively work in archives. Edit 2: 50k projected salary is based on beginning pay for a public high school teaching job in my area for those who hold an MA with no precious teaching experience. [link] [comments]  |
| Posted: 27 Feb 2021 04:32 PM PST So I made the decision to not refinance my private loans early on just deciding that paying off my loans with extra capital would be easier than refinancing. However employing that strategy with my current loan provider has more than sucked. I like to pay 4 sometimes 5 times the amount due to pay it off quickly as i chip away at my large loans. Every time I make sure I click the "do not advance due date" and double check the option that I have done so. Three times now they have advanced the due date by months instead of applying it correctly. They also have no indication that the scheduled payment has that option selected. I am getting really tired of having to call them on the phone to have them correct the payment. It shouldn't be this difficult. Anyways does anyone have a list of good student loan refinancing companies who make it easy to pay extra off and actually apply it correctly and are upfront and transparent about how your money is being applied when you schedule your payments? [link] [comments]  |
| Refinancing just one loan out of many to increase odds of approval? Posted: 27 Feb 2021 06:53 PM PST I have a lot of student loan debt, 50/50 federal and private. I have applied to refinance my private loans, and have been denied due to the amount of debt that I carry, twice. I have been tirelessly paying and putting all extra money to them, but with the interest rates so high with the dumb B Sallie Mae I'm struggling to make decent progress. Can I increase my odds by just refinancing one $30,000 loan instead of $100,000 of private loans? Or should I continue to wait until I make a bigger debt on my loans? [link] [comments]  |
| Should I apply for the FASFA if i'm unsure if I'm even going to college? Posted: 27 Feb 2021 07:31 PM PST |
| Posted: 27 Feb 2021 01:29 PM PST Hi All, I'm looking to get some advice on reputable loan consolidators for student loans. I graduated May 2020 and luckily was able to get a full-time job. I live in San Francisco with a salary of 70k/yr. I owe about $25k in student loans that I received through FAFSA. There are 8 separate loans that each vary in interest rate from 3.7%-5.5%. Ideally would like to knock this out in 4-5 years. Curious what strategies anyone used/ if consolidation is a good option? Thanks y'all!!! [link] [comments]  |
| Why isn’t my history showing up on my fasfa account Posted: 27 Feb 2021 03:56 PM PST Hello! So I recently graduated in Dec 2020, but I'm still enrolled in another school. Last time I logged in my fasfa account was dec 2020 for sure, and it showed me how much grants I've had and how much loans I've taken out. I logged in today, and saw they had no information about me anymore. It also says the same thing on my moms fasfa account (she got parent plus loan for me). Last time we logged into it was last week and it had all the information like how much I owed and when the loan was taken out. What happened? I was really excited to make my first payment today, and I don't think I remember the loan provider exactly. Thank you! [link] [comments]  |
| Peter Schiff on history of student loans Posted: 27 Feb 2021 09:10 AM PST I found this video where Peter Schiff explains to Joe Rogan how student loans started and why it got so expensive. He doesnt get too jnto it but i thought it was interesting and i Just thought i'd post it here. https://youtube.com/watch?v=9BvCzt5e5d8 In case you dont watch the whole video ill summarize: He says before the 60s students tended to work in the summer to save for school and could afford paying it with a summer job. In the 1960s, When the government changed the voting age from 21 to 18, politicians started pandering to 18 year olds. They offered a way for kids to not have to work in the summer and be able to go to school with government loans. This caused more kids to want to go to school, schools started to compete with each other by making bigger non-educational buildings (like gyms/ stadiums) to make it seem more attractive while raising the price of college more rapidly because of higher demand. Now in a way it has diminished the quality of a bachelors degree since everybody has one, so now kids feel like they need to get a masters/phd and get in even more debt. As the years went by colleges got more expensive and the government kept raising the cap to pander to the newer generations. Im sure there are other factors to the student loan crisis but i just thought this was an interesting analysis. [link] [comments]  |
| If I have already started loan rehabilitation Posted: 27 Feb 2021 03:17 PM PST Would it be stupid to consolidate my loans? I am trying to finish up a degree but can't until my loans are out of default (because I need to borrow more money....🙃) [link] [comments]  |
| SallieMae is scamming me out of $5,600 Posted: 27 Feb 2021 09:51 PM PST As the title suggests, SallieMae is actively scamming me out of a good bit of money. I graduated in May 2020 and my repayment period should have begun in November 2020 but SallieMae extended my grace period until March 2022 because I attended a class at a community college in between May - November 2020, which fooled SallieMae into thinking I was still in school. I have made 7 phone calls over the course of the past few months and produced a lack of enrollment verification from my university, proving I graduated in May 2020 but they have not altered my grace-end date. Initially I thought an extended grace was a good thing, I would be able to pay off all that accrued interest before it capitalizes. However, after performing some calculations I have come to realize that it in fact costs more to pay off the accrued interest and enter normal repayment in March 2022 then if I were to enter into it today. At the end of the day I would be paying $5,600 more over the life of my loans if things were to stand today. As I've stated, I have spoken with agents, produced evidence of my graduation date. Any advice on resolving this? [link] [comments]  |
| Should I refinance HHS/HRSA Nursing Student Loans? Posted: 27 Feb 2021 12:48 PM PST I see lots of great info here about private vs. federal loans. However, I'm in an interesting situation where I have ~12k in Nursing Student Loans at a 5% interest rate administered by the Human Resources and Services Administration (HRSA) within the Dept of Health and Human Services (HHS). The CARES Act did not include these loans, but HHS did sign a provision to waive interest through Feb 28, 2021 (tomorrow) and apply for administrative forbearance if needed. I recently refinanced about 45k of my private loans down to a 3% interest rate with Earnest. I am wondering if I should refinance these Nursing Student Loans as well. Or like federal loans, it isn't worth it to give up any possible benefits/protections with these loans? Any chance these might be ever be forgiven or am I just being silly?? Otherwise, my plan is to make the minimum payments for my private loans at 3% and throw all extra money at these Nursing Student Loans. [link] [comments]  |
| 100k+ student loans (international) Posted: 27 Feb 2021 05:21 AM PST Hi! I have a student loan here in the US from my grad school and with my salary, it's been a challenge to pay. Any tips on forgiveness or things I can do to lower down my student loan if I'm an international student? [link] [comments]  |
| Posted: 27 Feb 2021 01:51 PM PST I have a state funded(non-federal) student loan and it unknowingly became delinquent in July 2020 but I didn't find out until November 2020 (I was a part time college student at the time). I contacted the student loan office to bring my account current and they suggested I apply for forbearance. I ultimately applied and was approved for forbearance in December 2020. The length of my forbearance however started in July 2020 and ends in May 2021. The issue is that my forbearance started 5 months prior to my application date. I would be okay with this if the student loan office would remove the late payments on my credit since I was technically in forbearance according to their terms or start the forbearance from when I applied for it. I've never heard of a forbearance being back dated months before the application date. Ive disputed this several times with the forbearance letter attached but the credit bureaus state the creditor says its correct. Am I right for filing this dispute or am I wrong and should give up? Is back dating forbearance start dates months behind normally practiced? Thoughts? [link] [comments]  |
| How do I unifying all my loans? Posted: 27 Feb 2021 12:38 PM PST BACKGROUND: I graduated in May 2020 with $48K worth of student loans. Haven't paid a penny due to COVID (getting a job during this shit took longer than expected). SITUATION: I am looking at buying a property and the loan officer told me that I need to call whoever services my loans to get them grouped together, because they're being reported multiple times on my credit report. I am under 600, he says if they became unified then my credit score will shoot up real high. Is he talking about consolidation? And what exactly is consolidation and should/can I pursue that now? Is it in my best interest long term? [link] [comments]  |
| Posted: 27 Feb 2021 11:39 AM PST In 2019/2020, i was in school full time. My loans are held by navient and they're FFLEP loans. These are loans from my prior degree in 2003.( Long story short, my parents and I both got taken in by the whole "oh they dont care *what* your degree is, just that you have one, SIGN HERE" and then when i got out of school- no one wanted to hire me because I had no "experience" in anything but retail. My mom says even now if she knew how it would have gone down, she'd have not let me do a 4 year school- i'd have gone to community college, and I agree w/ her. - my 2019/2020 experience was all paid for out of pocket. Cause i'm not making another Expensive Mistake. And i'm ok with dealing with it but only if the terms are fair, if that makes sense? ) I did *not* accrue interest in 2019 I'm assuming due to my full time enrollment in school but I just got a letter from them with payment stubs demanding $400 a month. (which I don't have. Getting a job in healthcare is hilariously difficult even during a pandemic where they "need" people. 0/10 do not recommend). They also, looking at the account added $5,000 to my loans for 2020 in one lump sum in December. Isn't that.... they can't do that right? between the fact that I was in school full time, AND the CARES act? Wasn't the CARES act extended to sept 2021? Honestly I can't wait to start working so I can pay these jerks off for good. Any ideas on how to deal with this? *of course* they're closed until Monday. [link] [comments]  |
| Posted: 27 Feb 2021 09:06 AM PST Seeking some advice in calling SallieMae in an attempt to lower my interest rate. Back story. I am a flight instructor working for one of the biggest flight schools in the country. Through training I financed around 100,000 and since the completion of training it's grown to 105,000 because Iv been in forbearance since October. Quite frankly I don't make that much money even though I work about 60 hours a week. Between rent and living I just can't make those payments at the current interest rate. One of the loans is at 11% and the other at 8%. Ideally I would like to refinance through another bank but I don't make enough money for anyone to accept me and after reaching out nobody is willing to co-sign. I'm just trying to see what my options are, primarily to see if I can lower my interest rate through salliemae some how and if possible combining the two loans. [link] [comments]  |
| I officially owe more in parent plus loans than my mortgage. Which so I focus on paying? Posted: 27 Feb 2021 06:34 AM PST I owe $44,000 on my mortgage and so far $49,000 on PP loans. Older son still has one year of college left. Younger son has three. So I will have to pay about another $100,000 in tuition. What happened is my income went from $60,000 to $180,000 so my kids will lose all their financial aid. PP loans are in my husbands name. We are 55. Assuming he will pass before my I won't get stuck having to pay these off on my income. We have been paying about $1000 extra a month on mortgage. Trying to get it down as much as we can as soon as we can. Are we better off paying down PP loans or mortgage? [link] [comments]  |
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