Just paid off all my loans!!! Student Loans |
- Just paid off all my loans!!!
- Hi. Really stupid question, but I dont know where to go to see what I owe on government loans. I tried studentaid.gov but I dont think I have an account.
- How to begin paying off defaulted loans?
- Please help me find more money in this budget
- International student in USA with $17k in student debt
- Should I save up all of my loan payment money until forbearance ends and drop it, or pay as I go?
- Graduating with high loan payments
- Refinance Former Employer Tuition Assistance???
- Can you defer loans without interest if you're enrolled in one community college class?
- Grad Plus Loan Question
- Child tax credit help
- Student Loans similar to Texas B-on-time loan
- Need to find 35k or so in private student loans with no cosigner
- Understanding transaction history
- In-school interest payments and re-financing private loans
- Best time to Refinance?
- National College Trust auditing/ownership verification for those NOT in default?
- Private loans nowhere to be found?
- Regarding opting out of the current loan suspension
| Posted: 05 May 2021 06:51 PM PDT 5 years later I am 20kish lighter and free from debt 🙂 time now shift my energy on my car payments [link] [comments]  |
| Posted: 05 May 2021 01:21 PM PDT |
| How to begin paying off defaulted loans? Posted: 05 May 2021 08:42 AM PDT Hello peeps. I have a small sum (relatively speaking) of student loans that have defaulted from some years ago. I understand there's a freeze on the interest etc. but I am in a position to start paying towards the balance and set up a payment plan. I'd like to set this up but am not sure who to call. On my credit report (via Credit Karma) it shows "Dept of Education". Hoping someone can provide some guidance! [link] [comments]  |
| Please help me find more money in this budget Posted: 06 May 2021 12:30 AM PDT 30 yo engineer working and attending law school. Trying to avoid loans as much as possible. Yearly: Income 90K 401k max ($19500) AFTER taxes 50K Grad School: 32500 Car registration:$500 Car Insurance :$1500 Monthly : Car Payment $576 Food: $350 Remainder $4388 Yearly [link] [comments]  |
| International student in USA with $17k in student debt Posted: 05 May 2021 10:47 AM PDT What should I do? My job only allows me to work for 10 hours (they have to accommodate more students). Being an international student I can't work off-campus. Where do I get this much money? My parents are poor and can't pay. [link] [comments]  |
| Should I save up all of my loan payment money until forbearance ends and drop it, or pay as I go? Posted: 05 May 2021 10:24 PM PDT Working my first job out of grad school, making a bit less than expected, but enough that I can cover my monthly payments and some extra and live relatively comfortably. I am also in a field where in 2-3 years my income should be high enough that this is not a problem whatsoever. Just wondering if I should save all of my cash now and dump ~6 months worth of payments all at once, or pay monthly. I know common knowledge is hold the money until you don't have to, but I was looking for other opinions. Hopefully forbearance gets extended. [link] [comments]  |
| Graduating with high loan payments Posted: 05 May 2021 10:59 AM PDT Alright so I'm graduating and my loan payments are ridiculously high when they begin. I have toxic parents and I wish I could consolidate or refinance by myself. My credit however is not established. Most of my loans were private because my toxic father convinced me to take out private loans. I regret these high interest salliemae loans more than anything. Sallie mae is not budding on the price and I don't want to put them into forbearance for a year and accrue more money to owe them. I'm also struggling to get a job that pays well with my degree which is mechanical engineering. Right now I'm applying for every job I can and walmart. I won't be able to afford $1000 a month for loans on top of my car payment and rent which total to $1750 a month. I know I messed up in the past with signing these loans and not educating myself. Does anyone have any advice to go forward? Please be nice. I'm already stressed enough with everything going on in my life. [link] [comments]  |
| Refinance Former Employer Tuition Assistance??? Posted: 05 May 2021 03:39 PM PDT Got a unique one for you: A couple of years ago, my significant other decided to start her master's degree to advance her career. When she told her then new employer, he was ecstatic - offered to pay for it and give her a new title and huge raise when she finished on the condition that she would work for him for 2 years after gradiation. Now, there's no documentation of this conversation or agreement anywhere - just a handshake and checks every semester straight from his bank to the school. After a few semesters, her employer seemed to have forgotten the agreement and stopped writing checks. Concurrently, the workplace just got worse and worse every week. She recently made the decision to leave her employer who, breaching the agreement that they had. Her employer suddenly remembered that she now owes him money. Luckily, he's agreed to a payment plan and deferred payment until graduation, but the terms are still ridiculous. Despite not really having any documentation, would it still be possible to just refinance the tuition reimbursement repayment from her former employer with student loan refinancing from SoFi, Earnest, or another lender? [link] [comments]  |
| Can you defer loans without interest if you're enrolled in one community college class? Posted: 05 May 2021 07:06 PM PDT I got a bachelor's in 2016 (still paying off those loans lol) and am going to a community college because my first degree was useless and I get two years of free tuition because of a California thing. I'm currently collecting PUA but when that ends I don't know how I'll pay rent. So I'm considering taking out subsidized loans for the Fall and Spring. My question is if I continue to take one class every semester after I'm done with school, will I accrue interest? Or do you perhaps think the American economy will crash unless they forgive student loans? [link] [comments]  |
| Posted: 05 May 2021 03:14 PM PDT So I start my first year of pt school fall of 2021. I was wondering if I could get my graduate plus loan in July before school starts which is August? The reason being is that I'm moving cities and I'm trying to get settled in my apartment and the city before school starts. My second question is when I'm doing my application, do I put both the fall and spring semesters in the start and end date for the loan period or do I just put one semester?? Thank you in advance! [link] [comments]  |
| Posted: 05 May 2021 02:43 PM PDT I filed married and separate in order to get low payments for PSLF. Does anyone know if that disqualifies me from being eligible for the new child tax credit explanation announced today? *edited: I originally put married and single when I meant to put married filing separately [link] [comments]  |
| Student Loans similar to Texas B-on-time loan Posted: 05 May 2021 06:11 PM PDT Texas just discontinued their b-on-time loan last year. This loan is one that would be forgiven if student graduates on time and met certain requirements. Is there anything out there similar? [link] [comments]  |
| Need to find 35k or so in private student loans with no cosigner Posted: 05 May 2021 04:40 PM PDT I'm new to all this, currently 29, will be 30 this year. I am currently unemployed and having difficulty finding a private loan that won't require a cosigner. My credit score is good but I can't seem to find a private loan that doesn't need a cosigner. I'm trying desperately to find one but I'm not sure I will be able to. Paying the loans off will not be an issue once I complete this degree as this specific program has had 100% placement for the past several years and I will be making enough to make payments. Plz help 🥺 [link] [comments]  |
| Understanding transaction history Posted: 05 May 2021 11:50 AM PDT I have been trying to make sense of my loan payments to figure out if they are screwing things up. They most likely are. I have all transaction history since Disbursement. Though the balances before they went from Sallie Mae to Navient are not reported. Initial disbursements for 4 private loans are (24k, 27k, 27k and 14k (sisters loan) between 2005 - 2007 I see a lot of Capitalized interest charges. I'm assuming these came from when loans were in deferment or something while we were still in school. Anyway, In 2009 It appears that may be when they sold to Navient. But for some reason the balance for the 4 loans has increased by a significant amount. Up to 60.9k,67k,62k, 38k respectively. $136,442 more than it should be. The capitalized interest is at most $8.4 k so I don't know how these loans more than doubled. So i feel like we have been paying interest on 60k loans instead of 27k loans up until 2013 where there was a "resale" which brought the loan balances down to what they should be. But I dont know if payments have also been adjusted accordingly. If we were seriously paying on an extra $136k for 4 years, I'm wondering how many other payments have been screwed up, Interest charges that shouldn't have been charged, etc. What can be done about this if anything? I have requested a full accounting, but have not received a response yet. [link] [comments]  |
| In-school interest payments and re-financing private loans Posted: 05 May 2021 12:39 PM PDT We've been making in-school loan payments towards my daughter's private loans from the beginning. Will this count toward consistent payments when applying for refinancing. [link] [comments]  |
| Posted: 05 May 2021 08:45 AM PDT I recently graduated from grad school at the end of 2020 and managed to get a decent paying job. I am nearing the end of my grace period on my private loans and cannot wait to refinance but I don't know enough about the finer points of the process to know when is the best time. Can anyone shed some light on how long I might need to make higher payments before I can get a refinance going and make them more manageable? Or if I can do it right away? (P.S. We can save the "you're stupid for taking private loans" comments. I know, I get it, I'm a moron who deserves to be shamed in the eyes of certain people. I am taking steps to get myself out of the hole I put myself in. But whats done is done and I am just looking for someone to share any knowledge or experience about the refinancing process) [link] [comments]  |
| National College Trust auditing/ownership verification for those NOT in default? Posted: 05 May 2021 12:29 PM PDT I'm sure a lot of you folks are aware of the seemingly failed attempt by the CFPB to have National Collegiate Trust's records audited, in order for NCT to prove actual ownership of many of the loans they allegedly hold. Info about what I talking about can be found here: https://www.reddit.com/r/StudentLoans/comments/haneeq/investors_block_800000_student_loan_borrowers/ But, is there no way for a particular borrower (like myself) to compel NCT to prove ownership of my loan(s), WITHOUT going info default? You see, I've pretty much been a perfect borrower to them, making all payments. Despite this, I've paid them about $30k on a loan with an original amount of $28k, and I still owe them a whopping $26k on the debt (largely due to capitalization of the interest of the loan while I was in grad school - this loan was for undergrad). But it seems that proving ownership of the loan(s) only becomes an issue when the s**t hits the fan and a borrower defaults - and NCT/the servicer has to sue. I certainly don't want to do a "strategic default" in order to force NCT to prove ownership, but is there any other way? It would be great if the were some mechanism in place to compel proof of assignment upon request of the borrower. I suppose I could just ask nicely. :/ [link] [comments]  |
| Private loans nowhere to be found? Posted: 05 May 2021 08:41 AM PDT Hello! I (US citizen) was offered admission to a masters program in Belgium beginning this fall. However, I can't seem to find any lenders for this (not because of my credit score, I'm in the "excellent" range according to FICO). The school is not listed with the Stafford/ grad PLUS loans and neither is it listed with Discover, Sallie Mae, or SoFi. I've looked into personal loans but the terms and conditions say that's prohibited (which I get, but I'm leaving no stone unturned!) I've started looking at BE financial institutions without any luck so far. Any ideas? [link] [comments]  |
| Regarding opting out of the current loan suspension Posted: 05 May 2021 06:05 AM PDT I opted back in to make payments but can no longer afford them, it says if I don't make a payment between now and September; "If you opt out and become more than 30 days late in making a monthly payment, we'll place your loans in payment suspension again." Does this incur any sort of penalty for me? If I want to opt back into the suspension, should I just let my loans go for a month? Thank you, [link] [comments]  |
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