I’ll be dead before loans are paid off. Student Loans |
- I’ll be dead before loans are paid off.
- Should I pay off the last $10,000 in student loans?
- Talk me into paying off my loans
- Advice Needed
- School FAFSA
- Student Loans without a Cosigner
- Need advice
- are loans worth it for computer science
- Loan for summer session
- [CA —> OR,USA] Taking out private loans to finish courses to get into career change Masters program?
- Leftover grad plus loans
- HELP
- Paying off ELFI loans early; when does it become finalized?
- Help - how does my spouse co-sign my PAYE as a noncitizen? (FedLoans)
- 457 implications on IDR plan
| I’ll be dead before loans are paid off. Posted: 08 May 2021 06:38 PM PDT I'm 64, working full time making $16.60 an hour. I have 18k left in loans from an attempt to get a graduate degree in 2012. Loan is in government hold right now, until October I think? I'll probably pick a program indexed to my income. But, in reality due to all the stress in my life now, I'm not sure how long I'll be on the planet. After bills paid there isn't much disposable income left. I was hoping to retire by age 67, if I can last that long at my job. I live bare bones. ETA: I have an adult disabled child I need to help financially, but not enough to claim on taxes. I have rent, car, insurance, utilities, phone, ect. Thrift store clothes most of the time. I used to make 60k a year plus mileage, but the job nearly killed me and before that i was laid off from a job of 25 years. No credit card debt. [link] [comments]  |
| Should I pay off the last $10,000 in student loans? Posted: 08 May 2021 12:42 PM PDT Hello, I am a 28 female and I'm not sure what to do with my federal student loans. I graduated in December 2018 with $57,373 and so far I paid a total amount of $52,324 (principal and interest). I have just $10,000 left and I anticipate I can pay them off by the end of this month. I am conflicted on what to do because I'm worried I'll spend some of it before the forbearance is over in September. I was hoping to wait until the education secretary's memo comes out to decide what to do then. I do not need a large emergency fund because I am living with parents at the moment. However my next steps might be building a 3 to 6 month emergency fund after I pay off my debt. Should I wait until the memo or September to decide what to do with the remaining debt? I don't think I'll earn a lot in interest if I save my money in a high yield savings account from now until September. Guidance is highly appreciated! [link] [comments]  |
| Talk me into paying off my loans Posted: 08 May 2021 10:34 AM PDT I have approximately $45k left in student loans and have $30k in cash saved. I need someone to talk me into just writing a check for the $30k and then have them paid off in roughly 5 months thereafter. I keep wanting to do it, but keep talking myself out of it. [link] [comments]  |
| Posted: 08 May 2021 01:38 PM PDT Premed, 250k+ in student loans after attending a fancy school, taking gap years to save for medical school applications (planning to spend on the low end to apply: about 5-7k. Don't qualify for fee assistance, parents make too much although there is medical debt in the family). A friend got a full ride to medical school and still has to take 100k in cost of living loans (25/yr). I am doing a prestigious traineeship also hoping to get a full ride to medschool too. How do I work on my credit? I want to refinance, but my credit score is 580. My private loan payments are 1.5x what I make in a month (always on the brink of homelessness lol). I will be taking another job soon to help offset that. Idk what to do next. My dad suggested filing bankruptcy, but if I get another part time job, I will be able to make things stretch a little more and I don't want to do that. I know doctors with 1m in student debt (avg for my region is 350-450k) doing fine bc they make 400k-2m a year in the specialty they chose. But maybe I am being too nonchalant and not thinking about things adequately. Any advice and action plans appreciated. [link] [comments]  |
| Posted: 08 May 2021 09:51 PM PDT My school approved a FAFSA package that is $2,000 over the $57,500 FAFSA limit. Is there a reason for this and should I actually expect that much for this fafsa year or anticipate them not disbursing the money later on? [link] [comments]  |
| Student Loans without a Cosigner Posted: 08 May 2021 10:40 PM PDT Hey, does anybody know of a private student loan option that doesn't require a cosigner??? I'm starting to get stressed trying to pay for my new school. I don't get anything from FAFSA because the government expects my parents to pay for everything (despite having a solid credit and being considered Independent by the IRS). This forces me to use private loan options; however every avenue I've attempted to use requires a cosigner (which I do not have access to). Any help or suggestions would be great! [link] [comments]  |
| Posted: 08 May 2021 06:42 PM PDT I got to attend my school through a full-tuition scholarship. However during my last 2 semesters I failed to uphold my scholarship requirements and got unfinanced. Now i'm facing a $32k debt. I have finished all of my courses, thesis, etc. but this is preventing me from redeeming my diploma so I can start working for an offer I already received (since my visa requires it). The paradox is if I cannot work I cannot pay it off, and if I cannot pay it off I cannot work. Please give me a second perspective to get out of this. (Family support is not an option sadly) [link] [comments]  |
| are loans worth it for computer science Posted: 08 May 2021 12:59 PM PDT by loans i mean a lot of money think 80k+ going to start uni next year and i wanna get perspective from someone who's already been through all this i hear different things abt cs at a prestigious but expensive school [link] [comments]  |
| Posted: 08 May 2021 11:21 AM PDT Has anybody taken out a student loan specifically for a summer session? Summer sessions start in 2 weeks and just wondering if that's enough time to get through the process [link] [comments]  |
| [CA —> OR,USA] Taking out private loans to finish courses to get into career change Masters program? Posted: 08 May 2021 01:40 PM PDT I got a BA back in 2013. The degree is basically useless. I barely passed undergrad because of health issues and undiagnosed ADHD. Never took out loans or FAFSA for this degree. I got a job after being out of school for a small family business with no possibility of moving up. I got depressed and stayed for about 8 years living with my parents the whole time in a HCOL area and Barry getting by with bills. They didn't support me and I paid them rent in cash. Now I'm doing better. I got treatment for the depression. Discovered I had ADHD and got treatment in the last year. I decided to go back and get a new degree. I found a computer science program that you can do the prep courses for about a year and a half and then enter a masters program for it. I started out doing it remote and have been doing it for about a year now part time while still working. I have about a year of classes full time left before entering the masters part. The program is out of state though. There is no in state options like this. I apparently hit the credit/units limit of 150%. And now have to appeal for continues FAFSA loans. I'm not sure if I will get it approved or not. I was supposed to move to my new state and city in June. To start attending in person finally. Now I don't know what to do. I can't afford to go if I do t have aid. I never even used it for my first degree. Private loans seem like the only option now for me to do this. Questions are: 1. Do you apply for private loans each quarter or for one amount for the year?
Single. 31yrs old. No dependents. My current finances (about what's in each account): - Cash Savings: $10,200
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| Posted: 08 May 2021 04:24 PM PDT After doing my balances for the year, I have money left over from my overpayment checks from my grad plus loans for the previous two semesters. No interest has been charged yet (thanks covid?). It looks like I'll have extra left from this semester but can just return it to my school since I'm within the timeframe. What should I do with the extra money from the previous 2 sems/ how do I handle it? What could I even spend this money on since technically the period passed? Thanks! [link] [comments]  |
| Posted: 08 May 2021 08:44 AM PDT havent started University yet but i plan to in the future. I live in the UK and I was just wondering how can I avoid student loan? I don't want to pay interest since in our religion it is highly advised not to. Should I start working part time? are there any other ways? thank u so much pls help [link] [comments]  |
| Paying off ELFI loans early; when does it become finalized? Posted: 08 May 2021 11:43 AM PDT I refinanced my private loans through ELFI and made the final payment last Friday. I'm paying them off early and used the early payment calculator and plugged in a date of May 3 since that's when my Friday payments post to my account. The payment went through and now my account is at -$0.29 balance. I'm 95% sure when I refinanced I set my extra payments to go to principle since I still have a monthly minimum due each month and my next payment due date isn't like 5 years in the future. Currently the loan is still listed as "repayment" status which seems odd. I was just wondering if anyone knew how long it took to receive something from them saying my loan is finalized and paid off? It's been five days now so I figured I should have gotten something by now so I'm not sure what's up. They can't be called on weekends but I was going to call them Monday, just curious if anyone else might know. Thanks! [link] [comments]  |
| Help - how does my spouse co-sign my PAYE as a noncitizen? (FedLoans) Posted: 08 May 2021 05:18 AM PDT Hi everyone, I'm super confused and would love your help navigating this. (I plan to contact FedLoans about this question too.) I'm on PAYE and got married last year to a noncitizen. I'm trying to recertify PAYE and I'm struggling to figure out how I inform them about my spouse's salary. We live in England and my spouse is British. When I filed my tax return, I put NRA in the box for my spouse's SSN because she doesn't have one. I'm also taking up a part-time bartending job locally in two weeks and I can't figure out how to enter that information as well. Any guidance is appreciated (I'm kind of freaking out). [link] [comments]  |
| Posted: 08 May 2021 09:53 AM PDT Hello all, This has likely been asked before and, if so, apologies. I am about to do my yearly update for my income for my IDR plan. Should I include my entire salary pre-tax and pre-deferred comp or may I input my salary minus what I contribute on a yearly basis to my 457 plan? [link] [comments]  |
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