Saving hack that may help Student Loans |
- Saving hack that may help
- Why should I pay my student loan?
- Report UAS to CFPB
- Student finance
- Can I apply for both Federal Direct Loans and Federal Direct Plus Loans?
- I am 26 years old, I am looking for a helping hand����
- Personal loan or student loan to pay back 10K I owe to my previous school before I can apply to new schools?
- Federal consolidation during 0% interest?
- IDR Plan and foreign income
- Is it worth trying to get my loans discharged?
- Mortgage (Coronavirus Forbearance)
- Should I borrow a private loan?
- Private student loan company keeps annoying me after dismissing a loan.
- New Federal direct unsubsidized interest rates
- undergrad loan month before graduating
- I haven’t defaulted on my loans, but am I eligible for rehab to remove late payments? (Direct Loans)
- Do I qualify for interest free
- Average Time to Pay Back Undergraduate Loans?
- Loan Question - International Student USA
| Posted: Hey everyone, I know you're all on the path towards starting to save money or saving more money for paying off loans and I thought this quick saving hack may be helpful. When I started to put money aside for paying off my student loans I went out of my way to tell my friends and family about my goal of paying them off ASAP as well as the time frame I was going to be trying to do it within. It kinda acted as a bit of reinforcement to stick to my goal because not only was I trying to hit my paying them off, but I also didn't want to let my friends and family down when they'd ask me how it was going. And they asked every time we hung out together haha. Anyhow, I hope this helps somebody. Thanks! [link] [comments]  | ||||||||||||||||||||||||||||
| Why should I pay my student loan? Posted: With a $70K salary I'm supposed to raise kids, get a mortgage, car and be happy? The whole purpose of this loan was to actually increase my salary. If this failed - the loaner should be the one responsible, because they gave me the money. They have the means to calculate if my degree will actually give me a good salary. Instead they are protected from default. Not fair. And just paying my student loan I'm actually losing money and not living at all. On another hand, I can pay only the loan % and something small, say 25$ per month and aim for at least 100$ per month in savings. Now these savings I use to make money. Say, buy stocks (like the ARK ETF for example). 1) my student loan is at 5.3% and if I make even 5.4% at least per year using these savings, I'm actually making money, not losing. 2) my student loan on my credit score - is used to calculate my whole debt. The more debt I have and with regular payments, and monthly minimum payment - this will actually increase my credit score and will allow me to take more loans and use them to make more money. Even if I take lots of loans, if I manage to pay the required minimum payment and I'm gaining even a 0. 1% more per year - I'm actually making money, not losing them. So my student loan is actually helping me get rich by giving me a credit score power. What am I missing ? [link] [comments]  | ||||||||||||||||||||||||||||
| Posted: UAS connect screwed me to. They set me up with two separate portals... I log in it says no payments which it should not I'm still in deferment. But my other login was delinquent which is very predatory. Why have two logins? Since I had two portals they were sending the delinquent notes to the inaccurate address even though I updated my addres. This is the most predatory thing ever. I even called to confirm I did not owe anything. They said no but them after digging deeper they are like you do but through our subsidiary. Please if you had an issue join me in reporting them to the CFPB this company is predatory and they are destroying peoples credit I have seen so many threads of the shady stuff they are doing and hiding behind oh well that's because of a merge or because it's a subsidiary of ours. These are some of the worst people to be hurting their credit. Many just graduated and are trying to get a house, car etc and you are wrecking their credit? [link] [comments]  | ||||||||||||||||||||||||||||
| Posted: So basically me and my friend both got the minimum maintenance loan for our first year (£4422). However, when we applied for our second year maintenance loan, he didn't give his parents income details and he was given £9000 whilst I gave my parents income and still got the same (£4422). How is this possible? I thought that parent/s income details were mandatory in submitting an application. [link] [comments]  | ||||||||||||||||||||||||||||
| Can I apply for both Federal Direct Loans and Federal Direct Plus Loans? Posted: I am confused about taking out a loan since I have never done this before. I got into medical school and I am probably going to have to take out a loan. The tuition fee for a year is around 50,000. So can I apply for both the Federal Direct Loan and the Direct Plus Loan to cover the costs or should I only apply for the Federal Direct Plus Loan? [link] [comments]  | ||||||||||||||||||||||||||||
| I am 26 years old, I am looking for a helping hand���� Posted: (26M) I will be brief. I live in Venezuela and the situation for me and my family is not good, I am looking for some kind of help, I just want to bring bread to my family. I am willing to go anywhere in the world and work in anything, anything they can offset me, I will take it, although in Venezuela it is difficult to get a passport, I have my passport. And I am willing to work in anything♥️🙏🙏🙏 I hope to find some help and maybe fix my days a little bit, thanks for reading. [link] [comments]  | ||||||||||||||||||||||||||||
| Posted: Please read, quick question! I owe my previous school $10,000 before being able to apply to other schools to continue my education. How do I go about this in terms of getting a loan? Do I get a personal loan or a student loan? Also if any of you have been through this, I would GREATLY appreciate any tips or help. Most student loan lenders have loans for school terms and need info on how much your tuition is but I am unable to even apply to schools to get this information because I owe $10,000 to my previous school. Hope you understand my question and thanks for reading! Thanks! [link] [comments]  | ||||||||||||||||||||||||||||
| Federal consolidation during 0% interest? Posted: I have various direct federal loans I'd like to consolidate. They're currently under $0 payment/0% interest due to COVID - if I were to consolidate these loans, would I still be eligible for the $0/0%? [link] [comments]  | ||||||||||||||||||||||||||||
| Posted: Hello, I am trying to decide if it's best to take the foreign income tax exclusion or foreign credit on my taxes. I live in Japan, I'll have one child this year, and I'm on an income driven plan for my student loan. [link] [comments]  | ||||||||||||||||||||||||||||
| Is it worth trying to get my loans discharged? Posted: I graduated with a business degree from a school that was accredited by Laureate Universities for that specific reason. (I had transferred my credits over from a different Laureate school to get another degree in 1.5 years). About 10 months later, the school got bought out and lost its accreditation with laureate as well as lost its business program. Now, it's just owned by this online school that has nothing special to it at all. Nor is it accredited by anything prestigious that I can use to my benefit in the future. Is there any possibility or silver lining of me getting these loans discharged or anything worth fighting for? I have about 18k left. I feel like I'm not getting what I pay for if I pay these off. [link] [comments]  | ||||||||||||||||||||||||||||
| Mortgage (Coronavirus Forbearance) Posted: Im trying to apply for a mortgage refinance and my student loans ( with Fedloans) is in coronavirus forbearance. Im on an IDR plan that was due for recertification in February 2021 (but I never received any notice to recertify). I need to show some type of payment, when I log into Fedloans for the mortgage paperwork it shows 0 payment and forbearance. If I take my loans out of the coronavirus forbearance, will my payments still be under my old IDR calculation or would it be get back into the coronavirus forbearance ? [link] [comments]  | ||||||||||||||||||||||||||||
| Should I borrow a private loan? Posted: Incoming freshman for UMD here. I just received my aid package and wondering if I'd need to borrow a private loan. Since I got admitted to spring, they give me 0 scholarships.
Total Cost of Attendance: $27,984 Total Aid: $16,645 Total Need: $11339 Should I borrow a private loan at this point? [link] [comments]  | ||||||||||||||||||||||||||||
| Private student loan company keeps annoying me after dismissing a loan. Posted: Hello, Ill make this short and maybe I can get some good advice. Long story short, my brother died last November. When he died, I start answering his phone to start solving administrative issues and informing his friends. I noticed this student loan company was calling him using my name. I wont mention the name of the company. Apparently he had a loan under my name and he was the cosigner. At the time i informed them that loan was made without my concern. They said we will start an investigation, they made me pay an affidavit and send them lots of documents. I gave them everything they needed. In the process of getting all that I did the police report they ask and the police officer told me, stop helping the company tell them to @$#%@% off. Then When I got the report and all the information I decided to check my credit reports, the loan was there!!!! I send Experian, Equifax and Transunion the info and report. also, I sent the report and some last documents to the company. They decided somehow I knew and since then they don't stop emailing me, mailing me and calling me. told them The credit bureaus deleted all related to the loan. Told them and they now keep calling me pretending i own the monthly payments and due dates and blah blah blah Thanks for reading. Any thoughts? Now that the bureaus removed the account, is there another way they can mess with me? If i am wrong correct me, but now that loan is only real to them? Should i just block all upcoming emails related to that company? Thought of changing the number but they for a different number each day. Any other thing I should do? Should I worry? [link] [comments]  | ||||||||||||||||||||||||||||
| New Federal direct unsubsidized interest rates Posted: I'm starting grad school (doctorate of physical therapy) and I'll be taking out $20,500 in federal direct unsubsidized loans. I know that federal student loan interest rates have been frozen due to covid. Will new loans also have 0% interest rates until the covid bill is over? [link] [comments]  | ||||||||||||||||||||||||||||
| undergrad loan month before graduating Posted: I am going to graduate college and enter a graduate program in august. From researching online, it seems the undergrad loan rates are under 3% while graduate loans are nearly 5%. Would I be able to get a student loan a month prior to graduating? [link] [comments]  | ||||||||||||||||||||||||||||
| I haven’t defaulted on my loans, but am I eligible for rehab to remove late payments? (Direct Loans) Posted: I've heard that if you default, you can rehab a loan to get the lates removed. Do I have to strategically default so I can get these late payments removed? [link] [comments]  | ||||||||||||||||||||||||||||
| Do I qualify for interest free Posted: I have no student loans but I need some for next semester. Will I be charged for students loans when I didn't have loans but still before October 1st. [link] [comments]  | ||||||||||||||||||||||||||||
| Average Time to Pay Back Undergraduate Loans? Posted: Genuinely curious how long it takes most people to finish paying off their undergraduate loans. I have been reading that many people to stick to a 10 year repayment plan. Curious to see what you all have to say. Thanks. [link] [comments]  | ||||||||||||||||||||||||||||
| Loan Question - International Student USA Posted: Since I was an international student, I was able to "owe" a hefty amount of money to my college. I am currently paying it back month by month. I recently had the option to pay it off fully, but I hesitated because my attorney said there was a chance it might be forgiven or lowered down. (It's in the five digit range). With all this talk about Biden forgiving loans, I was wondering if what I owe to the school is considered a "loan" or even a "federal loan". The school is private, but it does have a certain amount of funding coming from the federal government. Note: I didn't have to use FAFSA or any of that kind, I basically signed a ton of promissory notes which the school allowed me to. [link] [comments]  |
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