Delinquent loans fell off credit report Student Loans |
- Delinquent loans fell off credit report
- Without a Cosigner
- A little tight on money and my situation is complicated beyond fixing with my parents. How do I even look for student aid or anything, I feel stuck.
- Will my savings mess with my FASFA?
- What type of loans should I take out for graduate school? When?
- Refinancing question
- Loan payoff advice
- Advice Needed
- Had 5 loans, suddenly condensed into 2? Great Lakes
- In grace period but still in school "please appear in the new section this time"
- Got my first bill today
- How can I get help with off campus housing? My dads a got approved and I got admitted to my school. No aid awards yet though. But what other loan services will help me?
- Refinance NJClass private loan for longer term temporarily?
- Question about confirming when loans are done for good
| Delinquent loans fell off credit report Posted: 29 May 2021 10:40 PM PDT I was shocked today when I checked my credit report and saw my loans had fallen off, dramatically raising my score. I want to start paying them as they're still in default and I still owe the money, but if I start paying it will take months to get them out of default. If I make a payment will they show back up on my credit as being in default? [link] [comments]  |
| Posted: 29 May 2021 04:29 PM PDT Hey Y'all I am an incoming freshman and I'm looking for private student loans to cover the $6000 outstanding COA after aid, grants, fed loans, scholarships, personal savings, and such. The issue is, though, that I do not have a cosigner because my family is in a Chapter 13 bankruptcy and can't legally sign onto any type of loan. I've tried to go through loan places that don't require a cosigner, but I've been denied by everyone. (My credit score is 680, but my AGI is only $5400 since I work a part time job as a high school senior.) Do any of you guys have any advice? I need to be able to go to university, and a gap year or community college isn't realistic for me. [link] [comments]  |
| Posted: 29 May 2021 06:23 PM PDT Mom is dead and dad is hooked on drugs hopefully tryna better himself. I was really good at school A, B honor roll all my life so not going to college seems wasteful. The problem is that student aid programs ask for both parents incomes and Information:/ anyone have any idea where someone like me can get help? [link] [comments]  |
| Will my savings mess with my FASFA? Posted: 29 May 2021 06:41 PM PDT I'm sorry if this is the wrong subreddit, couldn't find a great one. I have been saving for a year to buy a new car this summer, I have about 10grand and I was wondering, does the FASFA take into account what's in your bank account at the time of deciding an award? Like I said, I was planning on buying a car maybe early-mid August, and I'm just scared the FASFA won't award me if they see that. [link] [comments]  |
| What type of loans should I take out for graduate school? When? Posted: 29 May 2021 02:19 PM PDT So I start grad school in August, and I'm still pretty lost about what the best loan options would be for me and when I should pursue them. I don't have any debt from undergrad, and I'll have about half of my courses covered with tuition remission for being a TA. What would be the best approach for someone putting themselves through a 4 year program by themselves? Any advice appreciated! [link] [comments]  |
| Posted: 29 May 2021 12:07 PM PDT Hey everyone, I have been trying to refinance my loans and take advantage of the super low interest rates. I have about $85K between Discover and Sallie Mae, a 745 credit score, and I make almost $50K a year. I work full time, but I am in grad school part time so my loans are still in their deferment. My grace period will begin in either September or December, whenever ny enrollment status drops below half time. I have been making large payments in the meantime. However, when I try to refinance (I've mostly been trying to refinance the Sallie Mae, which is my largest loan at $25K) they respond with something like, "We can't accept your application today, but if you add a credit-worthy cosigner we can". I don't really want to ask my dad to cosign, since part of the reason why I want to refinance is to get him off my loans. Am I not credit-worthy because I am not required to make payments and the payments I am making aren't reflecting on my credit report? I imagine part of the reason why is because of my debt-to-income ratio is high. Also, is there any evidence to suggest that interest rates for refinancing will go up and when? [link] [comments]  |
| Posted: 29 May 2021 12:00 PM PDT Hi guys! So I just recently graduated pharmacy school and will be starting residency at the end of June. I graduated with $110,000 in debt which consists of 4 separate loans and an average IR of ~5.8% (all federal so technically 0% for now). My resident salary is ~$47,000 and I will do either 1 or 2 years of residency (hopefully 2!). Once I finish residency the average starting pharmacist salary in my area is ~$100k-110k. Additionally, my dad has just agreed to give me $10,000 a year as long as he has the excess money which he hopes will be long enough for me to pay off my loans. I am hoping to buy a home within the next 2-3 years and am getting married in 2023 so definitely have some other big financial barriers coming up that will make paying excess on loans a little more difficult. So I'm wondering how you all would tackle paying off my $110k in loans off as quickly as possible while also saving up some money. My idea was to of course put the $10,000/year my dad gives me on them, then during residency put an additional $600-800/m and hopefully increase that by at least double once I'm making pharmacist salary. Any and all opinions and advice are welcome! :) thanks! [link] [comments]  |
| Posted: 29 May 2021 06:47 PM PDT I am currently at the tail end of a Chapter 13 bankruptcy - ends at the end of June. Basically filed to buy some time to figure out options as far as paying back roughly $45K in federal student loans and $55K in private loans. Financial situation has greatly improved from five years ago so I am hopeful. Looking at consolidating the federal loans, paying on an income driven repayment plan, and having the balance forgiven through PSLF since I work for a nonprofit organization. My question is regarding the private student loans....irresponsibly, aside from the total amount, I have no information. I pulled the petition my attorney typed up 5 years ago as a starting point but it was not very helpful in figuring out who I owe, how much each loan is currently, or interest rate. I pulled my credit report and all but one of them are not showing up. I'm sure I am close to the statute of limitations on some, if not all, but know that the debt isn't really gone and I still owe it. I'm trying to do the right thing. I'm hoping to consolidate the private loans for a reasonable monthly payment through a private lender and get back in good standing with everyone but I've hit a wall. I've asked my attorney for information and he's been somewhat vague - I feel like he's being deliberately vague and hoping I'll do a Chapter 13 again. I'd like to avoid it though. I'm not sure if I will have to wait for the private loan services to start sending me information again after the bankruptcy ends or if there is a way to get a plan beforehand. Appreciate any and all advice. [link] [comments]  |
| Had 5 loans, suddenly condensed into 2? Great Lakes Posted: 29 May 2021 05:41 PM PDT I had 5 loans split for the longest time, out of no where they were condensed into 2. Which isn't a huge deal but I didn't really get an email or anything of that nature indicating why. I had paid off the Unsub loans a while back, because when I paid they went to those specifically so it's weird that it was split into the unsub loan that was already zeroed out. Tried googling this but did not see anything and was hoping to hear more specific insight from people who might have seen this. Hopefully this is allowed here not sure if I need to contact GL for more specific insight but figured I try this first. [link] [comments]  |
| In grace period but still in school "please appear in the new section this time" Posted: 29 May 2021 01:23 PM PDT Hello! I'm a bit confused and stressed (finals week), and I just got an email from my private student lender (Sallie mae) that I am in a grace period, and that I have finished school as of now. Not only am I still in school, my program doesn't end for me until 03/2023. Can anyone tell me why Sallie mae is telling me this? If it helps at all my program has a summer break that starts on 06/11/2021 and it is currently 05/29/2021. before this week my loans were set to start being paid at "07/24/2024" but out of no where changed to "07/20/2021". I am planning to talk with my fin aid office and my lender but they are closed until tuesday. Could anyone help me understand reasons why this may be happening so I can stress less and focus on finals? Thank you. [link] [comments]  |
| Posted: 29 May 2021 08:44 AM PDT So, I officially ended my deferment period for my private student loans. Originally through Wells Fargo bank, then moved to Firstmark Services apparently after Wells Fargo dipped out of the student loan business. I have four separate loans that amount to about $31k after the accrued interest. I am looking to refinance/consolidate, but I really don't understand where to get started. When I Google it I mostly just get sponsored ads for different lenders, which makes me skeptical. I am also concerned, because the private loans I took out, were for a school I did not graduate from. I left that university after 2 and a half years, took a year or so off, then went to tech school and graduated with a 2 year degree. While I was at tech school I only used federal loans, which are still in deferment for now. Where do I start with refinancing? [link] [comments]  |
| Posted: 29 May 2021 10:35 AM PDT |
| Refinance NJClass private loan for longer term temporarily? Posted: 29 May 2021 07:32 AM PDT Idk if anyone is familiar with this horrible company but I have almost $100,000 with them with my monthly payment being almost $1400. It's insane. Currently I've been working on refinancing and recently got approved for SoFi and a couple others for a 10 year term reducing my payment to $900-$970. My current term is 8 years left but I still save money on the life of the loan because my interest is almost cut in half from 6% to somewhere between 3.2-4.5%. My question is would it be wise to instead choose a 15 year term for now which would reduce my payments even further for short term savings and just refinance again to a 5-7 year term in a few years when my finances are better? I'm trying to cut costs monthly as I'm trying to eliminate almost $18,000 worth of credit card debt. My savings would be roughly $900-$1000 a month to aggressively throw at this debt if I do a 15 year term. TLDR:
-Refinance: $100,000 @4% - $500/month -15 year term but I plan to refinance to a shorter term in the future and use my monthly savings to pay off debt now [link] [comments]  |
| Question about confirming when loans are done for good Posted: 29 May 2021 01:30 AM PDT So, I was in a fortunate enough position to pay a little bit extra and knock my federal student loan balance down to zero while there's no interest accruing! I did this final payment a couple weeks ago on 5/11 and while Nelnet is showing a balance of $0.00 and a due date of N/A it doesn't feel done to me? Should I have gotten some kind of confirmation outside the balance being zero? Additionally, my Nelnet accounts are still showing as open and owing on my credit report. Am I just being impatient because it's only been two weeks, or could something be wrong? I don't know, I feel like I should celebrate being free but I am also a certified Nervous Nellie and don't feel like I'm in the clear yet and would appreciate any insight. Thank you!! [link] [comments]  |
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