Student Loan Apparently Lost Student Loans |
- Student Loan Apparently Lost
- My GF was forced my her mother to let her mom take out a loan in her name for college. Now her mom is back to doing drugs and my GF is worried about paying for her next 3 years of school, with her financial advisor not helping. Any advice?
- Refinance through Navy Federal or Wells Fargo?
- I’m from the UK and want to go to Europe for a Master’s degree.
- Do I need a Bachelor’s degree?
- first gen worried prefrosh looking for advice
- Couple Questions on Student Loans
- Freshman: Best way to handle my loans my first year while being a student athlete.
- Disability Discharge Despite Not Being "Permanently" Disabled?
- Question about Disbursement
- Refinancing Sallie Mae while still in school?
- I (Canadian citizen) recently married to a foreign national (not a permanent resident, yet), now what in the world do I put on MY student loan application?
- Applying for IDR question
- Student loans with NavyFed?
- Where can I find...
- If I do exit counseling does it mean I’m going to be withdrew?
- Help with Perkins Loan Delinquency
- General Question: Where does student debt come from?
| Posted: 01 Jun 2021 05:36 AM PDT Somehow my student loan from this spring semester got lost and is not at the servicer. I had my loans change from Cornerstone to Fedloan in December of last year. I have called FASFA, Fedloan, and my student aid office, and they each tell me that they have looked for the loan but they have no record of this loan. I want to go ahead and pay this off. What might be the problem here? [link] [comments]  |
| Posted: 31 May 2021 09:53 AM PDT As the title says, my GF's mom is a drug addict and forced her to let her mom take out the loan with Parent Plus, but now that she's back to doing drugs and is unreliable for anything my GF is scared about paying for school. When she's gone to her financial advisor, he basically just tells her "too bad" and won't help her find a way to pay for school since everything is filed under her mom's name and she has to go through her to change anything, which her mom won't do because of previously mentioned issues. Any advice on what she can do? [link] [comments]  |
| Refinance through Navy Federal or Wells Fargo? Posted: 01 Jun 2021 06:35 AM PDT I currently have private loans through Navient and would like to refinance them in order to lower my monthly payments and interest rates. I know very little about refinancing to begin with. I am considering either doing them through Navy Federal (brother is in the military and can recommend me) or Wells Fargo where I have been doing all my banking for the past 12+ years. Is one option better than the other or should i reach out to both places and see who can offer me the better plan? I'm not sure if this is like a "shop around for the best rate" type of situation. Thanks in advance! [link] [comments]  |
| I’m from the UK and want to go to Europe for a Master’s degree. Posted: 01 Jun 2021 02:05 AM PDT Idk if this is the right place but if someone knows or can direct me to the right subreddit then that'd be great! I'm from the UK and currently studying a degree, however for my masters I want to go abroad to Europe. The few universities I'm looking at don't charge tuition fees but obviously say we have to cover our own living expenses - how would loans work if I'm abroad, as I'm used to student finance in the UK paying for both tuition and some living costs? Thanks :) [link] [comments]  |
| Do I need a Bachelor’s degree? Posted: 31 May 2021 06:10 PM PDT I'm 22, in no debt, and have an associate of arts in sociology and a "certificate of completion" for intro to software development (tried to pursue an associates in web development but realized it wasn't for me). My GPA is around 3.8. I don't know entirely what I want to do but I think I would like to work in HR or do some sort of administrative job, a library would be ideal as I used to work for one in high school as a student aide but I haven't been able to get back in lately. Should I pursue a bachelors in sociology? The cheapest school near me would be about 11k a year excluding possible scholarships for 2 years and my parents have made it clear they will not sign any ParentPlus loans. I would like to only take out federal loans but since I'm still considered a dependent the max amount wouldn't be enough. Does anyone have any general advice as to what I should do and what my next steps should be? I'm feeling pretty lost. [link] [comments]  |
| first gen worried prefrosh looking for advice Posted: 31 May 2021 05:18 PM PDT Hi! Both my parents have no clue what student loans look like in America and I just want to make sure I'm making the best choices as possible these next few years. Please help me out! I'm going to be going to an ivy this fall (not HYP) but the net cost per year is about $40k after financial aid and all the work study stuff calculated in I think. My parents are definitely not the most well off and they said at most they'd pay for half my tuition throughout the next four years which is totally understandable and I'm very grateful for that. I sorta want to do premed but I'm really scared to now bc of all the med school debt and stuff. I'd love to do CS and premed so I can have a sort of backup but that seems like a huge grind and idk how capable I am of that. I'm wondering... 1) I already submitted a request for all the federal (unsubsidized and subsidized) loans I can get, which isn't much esp for freshman year (I think like 5.5k combined?). I haven't gotten a response yet so I'll probably reach out just to see if it's normal for a request to take this long. Am I doing this right? I requested through the financial aid portal of my school. 2) I should take out all the federal loans I can get first if I need loans, right? 4) When exactly do we go to private loans for money? Like when we can't afford to pay the bill for the semester? Where else should I go for money before I reach to private loans? Which private loan organizations are trustworthy or well reputed? 5) What are your guys' favorite videos/articles/resources for understanding personal finance and student loans that you would recommend to a clueless prefrosh? Aside from this subreddit ofc lol 6) Should I consider applying for outside scholarships? Tbh they seem like they never work/are impossible to get... also are there any outside scholarships offered to current college students/incoming college students? 7) I hear a lot of stories of people putting off loans bc it just doesn't feel pressing, etc. How do I organize personal finance and keep on top of my stuff in college and make sure I don't put it off? I've had a checking account for a while now and have been using my own debit card so I'm very grateful that my parents have let me practice some personal finance but I think I'm still pretty disorganized. If there are any videos/articles I can read abt this I'd so appreciate that too! Sorry that was so long but thank you so much in advance!! [link] [comments]  |
| Couple Questions on Student Loans Posted: 31 May 2021 08:09 PM PDT I just graduated grad school and will need to start paying off my student loans in a couple months. I'm trying to get educated as much as possible and had a couple questions.
Thanks! [link] [comments]  |
| Freshman: Best way to handle my loans my first year while being a student athlete. Posted: 31 May 2021 03:18 PM PDT In about 3 weeks I'll will have to accept my financial aid package. I been given est. $58,490 in aid, that includes, grants, athletics, engineer specified scholarships, and Merit. Cost of attendance: $62,510 EFC: $4,020 Direct subsidized loan: $3.5k Direct unsubsidized loan: $2k Federal Work Study: $2.4K Each year based on my academics my merit should increase by a $1000+ , first year it's $19k. My mom has a lower EFC number than my dad at 4,575, and it will likely change next year.:/ So with me being on the sports team how will the federal work study plan work? Am I required to get a campus job? If I dont get a job is this balance added to a loan, or like a normal payment? Based off my EFC amount, if i save up the EFC amount will that 4k be put towards the loan of my choosing ? I would choose to put that towards the Unsubsidized cause of interest and then the rest towards the work study cost. So that I loan 3.5k this year. I have the accept and decline these decisions so based off how I proposed to pay the I subsidized do I decline and just wait for the payment plan period and talk to a financial advisor at the school ? Or should I call before I accept/decline? edit i didn't know about a 6month grace period. So after accepting and the payment plan starts, will I be able to select which loans to pay for first? 58,490 includes 5.5k in federal loans and 2.4 work study . Then there's the 4k left to contribute which is my efc. [link] [comments]  |
| Disability Discharge Despite Not Being "Permanently" Disabled? Posted: 31 May 2021 01:59 PM PDT Anybody who's been declared disabled have any success with getting their student loans discharged despite not being awarded "permanent" disability status? I know that 5-7 years is usually the review period required for a discharge, but I've heard a vague story or two of people with a review scheduled inside of that time getting a discharge, either by having their doctor complete the discharge form or by somehow getting their review period extended. Anybody tried this and had success? (Just to note, despite not being classified as "permanently" disabled, I'm unlikely to be able to work anytime soon due to my condition, which I've had for over a decade and which, barring some kind of medical breakthrough, is unlikely to improve.) [link] [comments]  |
| Posted: 31 May 2021 07:02 PM PDT Hello r/StudentLoans. My SO applied for a student loan in the first semester, however, there were some delays on the school's part, and by the time the Financial Aid officer managed to get to my SO, they said it was "too late". Eventually, he got a disbursement in the second semester, but only for half of the amount of the loan. Now, he received an e-mail saying that because he wasn't enrolled in summer classes, he wouldn't get a second disbursement. My understanding is limited, so please correct me, but was he not supposed to receive the full disbursement in the second semester of academic year? And, why is the school counting the summer session as a semester, when it normally isn't counted as such. I don't know if the regulations have changed, but I think he should have received the entire disbursement in the second semester. [link] [comments]  |
| Refinancing Sallie Mae while still in school? Posted: 31 May 2021 09:08 AM PDT Currently, I am a PhD student and still have about 3 to 4 years left. My Sallie Mae loans are in deferment right now but the high interest rates are killing me. My question is if I refinance to a lower interest rate with another company will they still honor my in-school deferment I had with Sallie Mae because with my stipend I do not believe I would be able to afford monthly payments. [link] [comments]  |
| Posted: 31 May 2021 06:34 PM PDT Hello, So I married to a foreign national in April 2021 (she could come to Canada as an extended family member). Now I am going to apply for the final two years of my university degree and student aid and my student status will obviously have changed to married from single independent. But this is more confusing than it needs to be. In order for MYSELF to qualify as a resident of New Brunswick, it says BOTH me and my spouse need to have lived there for 12 months. Well obviously she couldnt have, she is on a visitor "visa" (she is visa exempt to visit). So what...that makes me a resident of nothing now? Or do I still select we both lived there for 12 months? Because there is no option to write-in the correct information. She also doesnt have a SIN or any income taxes (she legally cant work on visitor status). This is a very recent marriage and she is not a Canadian citizen or PR, but she also isnt applying to school. Only I am. We plan to apply for PR before her visitor visa expires, but that still doesnt change anything. She couldnt have legally lived anywhere in Canada with me for 12 months, so what on earth do I do? If I am not deemed a resident of a province in Canada (which is ridiculous, I obviously am) simply because it would've been impossible for HER to live with me for 12 months, especially before September, then I cannot get any grants or loans? Thank you. EDIT: Exact quote from pdf to determine residency if married, and I must select this checkbox: "you and your partner lived in New Brunswick for a period of at least 12 consecutive months immediately before the first day of your study period for the 2020-2021 academic year, while not studying full time at a post-secondary educational institution." But then their yellow sidebar in the same pdf says "residency is determined by you or your partner if you are married." So that contradictory statement sounds a little better, but still confusing. [link] [comments]  |
| Posted: 31 May 2021 07:48 AM PDT Hello. Can anyone out there help me with a quick question about IDR plans? I will be making more than I did last year. If I applied for an income based plan now, would that use my tax returns from 2020? And if so, do I recertify a year from when I apply now? I contacted someone from my servicer but that just confused me more. [link] [comments]  |
| Posted: 31 May 2021 01:21 PM PDT I'm looking to apply for a student loan for my last year of undergrad with Navy Federal since it's been my bank for over a year. Unfortunately, I do have the income to qualify without a co-signer but not a 36 month long credit history so I'm pretty sure they'll require for me to have a co-signer. For this post, I'm just wondering what the experiences were with NavyFed and student loans. [link] [comments]  |
| Posted: 31 May 2021 12:30 PM PDT The total amount I've paid over the years. I just paid off the loan. But I started in 2015 with Nelnet and it was recently transferred to Fedloan. I want to know the starting balance, total interest paid, etc... anyone know where I can get this info? [link] [comments]  |
| If I do exit counseling does it mean I’m going to be withdrew? Posted: 31 May 2021 08:26 AM PDT There were some complications in my Fall 2020 semester and i ended up not being able to attend that semester but i did attend for Spring 2021 and plan on doing a summer semester. I'm still being asked to conplete exit counseling and idk if it'll withdraw me or not. [link] [comments]  |
| Help with Perkins Loan Delinquency Posted: 31 May 2021 08:53 AM PDT Hello y'all I was wondering if I could get some help with going about trying to remove a delinquency on my credit report. I was checking my credit score a couple days ago and saw that my score took an 120 point hit. I was super confused cause I've completely paid off my car and credit cards recently. I saw on the transunion report that I had been delinquent on my federal Perkins loan for March and April. I had received no mail from ECSI since they're were mailing to an old address and the two emails sent to me went to spam. Im super confused cause all my other loans in navient are still in forbearance due to covid but I guess my Perkins loan didn't get extended. Idk what to do at this point, once I found out I made the due payment quickly but my credit score is gonna be tanked for a while. Is there anyway I could successfully talk to my school/ECSI to see if they would remove the late payment from my record? I have no problem making payments I just was unaware these payments were due cause of all the covid confusion. Thanks for the help! [link] [comments]  |
| General Question: Where does student debt come from? Posted: 31 May 2021 06:26 AM PDT So im pretty uneducated in finance. I wanna know where student debt comes from? is it the just the accomadation and living side of things that make up student debt or is it stuff like the actual education too? Say if i live with my parents for the entirety of my university course, will i have student debt? [link] [comments]  |
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