A Simple Proposal – Refund Student Loan Interest Student Loans |
- A Simple Proposal – Refund Student Loan Interest
- USC setting people up for failure with huge debt but low salaries
- Paid off $40K!
- I unknowingly advanced my due date every time I made a payment while I was still an undergraduate. How screwed up is my repayment going to be now? (OSLA)
- I have $107K in student loans and it makes me overwhelmed to the point of wanting to start a gofundme because I feel so stuck
- How quickly does income based payment go into affect?
- Thank you!!!!
- Question
- I finally refinanced and am taking control of my life!
- Paying off smaller loans first?
- Thoughts on taking an education loan from NBFC's like Avanse and Auxilo Finserve!
- Need advice, I've been ignoring my student loan & university debt for a few years now since I dropped out, I've never made any payments and I'm not really sure where to start.
- Where and how to apply for student loan
- Excel Calculator
- Recertified PAYE plan before baby is due…payment went up.
- PharmD to PhD? Or stick it out?
- How does interest work?
- Receiving student loans after I graduate.
- Additional payments while on REPAYE or IBR
- Aggressive Payoff vs. PSLF
- The real deal or scam?
- If all my loans have roughly the same interest rate, should I targets the ones with accrued interest or none?
- SO graduated from the Art Institute in California. Can he get his loans forgiven?
| A Simple Proposal – Refund Student Loan Interest Posted: 24 Nov 2021 02:24 PM PST TLDR: Give back the interest charged to students on their loans. No loan forgiveness, no handouts, but also no interest. Government should not profit on the young and poor. Student debt is an economic drain on millions of Americans. It is not just a personal drain, but a drain on our economy as a whole. These millions of Americans with student debt would be able to not only be more economically stable, thus needing less social assistance, but also would have more spending power which would help drive our economy through their increased consumption. Student debt is an economic barrier to a better America. We should correct student lending right now by making all government student loans retroactively interest-free, and refunding payments beyond the original amount of the loan, in whole or in part, for loans issued in the last 20 years. Fixing student debt requires addressing two separate problems: 1) the unaffordability of student loans in their current form, and 2) how higher education is currently funded. Each is a separate problem, but problems that are interrelated. This proposal seeks to correct the unaffordability of existing student loans and lending, and also functions as a platform for transitioning to a better method of funding higher education. A Four-Point Proposal to Correct Student Debt
The Reason this is the Correct Solution The reason is short and simple. When you give someone in your community a loan to help them out (like family or a friend), you don't charge interest because you are trying to help them, not profit from them. That doesn't change when you do it through the government, or on a bigger scale. When we decide as a community to help some of our members pay for college, we shouldn't be charging them interest because then it really isn't helping, it is profiteering on their need. But why should the government behave the way we would as individuals? Why should the government lend to help someone pay for college the way we would? For two related reasons: 1) because the government is us, and 2) because the government is not a business. First, the government is us, acting through our representatives, to do the things on a big scale that we do for society on a small scale. Government is us working together to do more than we ever could as separate individuals. For this reason, government action, like lending for college, should be done with the same motives and attitude as if we were doing it ourselves – to help. Second, the government is not a business. Government action does not include turning a profit. The taxes we pay are not for making money (for whom is this profit, anyway?), but for benefiting our community. The purpose of government is to provides services and help for its citizens where there is no profit. Interest on loans is for the purpose of making a profit, so why is the government attempting to profit on us by charging interest on student loans? Why is the government extracting more money from people without money in the first place? We chose to lend money to students for higher education for the same reasons we lend money to our brother/sister/cousin/friend who wants to go to school: because we care about them, we want to help them succeed and we have the means to help. We recognized that helping them helps us. We recognize that, in a healthy society, relative poverty should not be a barrier to some things, like education. When you lend money to a friend to help them out, you don't charge interest. If you do, that isn't helping, that's running a business with your friend as a customer. And if you specifically target friends that are stuck without a loan but really need that loan, that's profiteering on their misfortune. Thus, it becomes clear why we should never have been charging interest on student loans. Just as we don't try to profit from our friends when they need financial help, the government should not try to profit on us, its citizens, when we need help. The scale doesn't change this basic truth, that charging interest to a person in personal need is profiteering, not helping. It is cruel and wrong to profit from a friend's need, and more so when the profit overwhelms them. The government is not helping people when it derives a profit from its citizens' needs, it is exploiting them. Understanding This Proposal In this plan, there is no debt forgiveness. No borrower is being "given" anything. Instead, refunds are being made to individuals that paid more than the principal they borrowed, based on changing the lending practice by the government to be the reasonable practice it always should have been: aid, not exploitation. Returning interest on satisfied student loans avoids penalizing individuals that were fortunate enough to satisfy their student loans. It is important to not penalize students for paying off their loans because managing to pay off student debt does not mean the debt did not have a debilitating effect on the borrower, or that the interest was justified from the beginning. Importantly, this plan balances the interests between past borrowers, current borrowers, and future borrowers, unlike some proposals such as flat debt forgiveness. For example, if $10,000 in student loans are forgiven today, what happens to students that take out loans tomorrow? Do we continually forgive student loans at periodic intervals? What about students that paid off their loans yesterday? Making student loans interest-free across the board is relatively easy to do both going forward for new loans and addressing current and recently repaid loans. Interest-free student loans are an easy and straightforward change that uses the current government infrastructure for funding higher education while a long-term solution to funding higher education is pursued. The accounting is not complicated and makes managing the loans easier. It also provides more flexibility in monthly payments, given that interest is not accruing. This also changes the government mindset on handling these loans from one of profit, like a bank, to one of assistance, like a... government program. This adjustment would greatly impact the lives of student debtors across the nation. For some, it would dramatically reduce or eliminate their debt burden, and for others it would provide a return of funds that can be used to immediately improve their lives, lives that were likely put on hold while repaying the debt. This plan would function as a stimulus for the economy, targeted to the people that would most benefit from it. Importantly, because any refunds would be a return of funds overpaid, they would not be taxable income. Concerns and Why They Are Wrong This will cost a bunch of money! Where will we find the funds for this? This is the wrong question. Budgets can always be reworked, which we know is true because they always are. More important is why is the government relying on profit from lending to poor students? What are students across the country propping up with the interest on their loan payments? Why are students being used to fund these government activities rather than taxpayers as a whole? If important programs truly are in jeopardy from returning student interest, we can and should adjust our tax system to cover these programs from sources better equipped to provide the needed funding. Yes, it costs some money to manage accounts and run the Department of Education. This is the cost we can all bear through our taxes, the basic administrative cost the government incurs to function and do anything. When our friend needs a loan to get to pay day, we don't demand he pay us back for the gas to meet up. If absolutely necessary, a small monthly fee could be charged to cover the cost of handling the lending accounts (keeping a record, receiving payments, disbursing new loans, updating the records), such as $5 or $10. It should not be a percentage, because it is no more difficult to service a $50,000 loan than a $500 loan. Final Thoughts Student debt is an economic millstone that disproportionately burdens younger Americans. It is a barrier to a better life that our older generations did not have; it is a generational injustice, and one that is completely unnecessary for a thriving society and economy. We should correct student lending right now by making all government student loans retroactively interest-free, and refunding payments beyond the original amount of the loan, in whole or in part, for loans issued in the last 20 years. Recalculating student loans as interest-free is a simple, straightforward plan that is easily implementable, creates a smooth transition between generations of students, sets up future improvements to funding higher education, and would provide important economic stimulus to individuals and the economy as a whole. It is like how we treat our friends and family, lending a bit of cash to help each other out, and then repaying once we can. It is good policy and good governance, and we should be talking about it honestly and earnestly. [link] [comments] |
| USC setting people up for failure with huge debt but low salaries Posted: 24 Nov 2021 12:30 PM PST Came across this article and it was mind blowing to read. Crazy how these institutions prey upon people and trick them into getting a degree that isn't worth the price you have to pay to get it. Congress should definitely look into this https://www.wsj.com/amp/articles/usc-online-social-work-masters-11636435900 [link] [comments] |
| Posted: 24 Nov 2021 10:59 AM PST Long time lurker — and this sub has been so insightful and motivating! I feel like you all are the only ones that would get how I'm feeling right now. Finally paid off my student loans!! Kept debating on whether I should hold off the final $10K before interest starts back up or in the event that Biden throws us a Hail Mary… but I just paid it off anyway for peace of mind. Never felt more proud! [link] [comments] |
| Posted: 25 Nov 2021 05:11 AM PST Everywhere I looked, people recommended making payments while still in school to get a head start on your loans. On top of that, interest has been frozen for a while in the US because of COVID-19. So I did, and I was proud of myself for that, I've already shaved a few thousand dollars off of my total amount due. However, I only recently learned what the "do not advance due date" check box meant. The check box I had specifically been avoiding checking BECAUSE I didn't understand what it meant at the time. So looking at my loan accounts now, my due date is pushed forward all the way to August of 2023. Is this necessarily a bad thing? On the surface it doesn't seem too terrible: I essentially gave myself a safety net for the next year and a half in case I can't make a payment one month. But will this affect how long it will take me to pay off my loans? I also can't see my estimated monthly payment anywhere, is that because my due date is so far away? [link] [comments] |
| Posted: 24 Nov 2021 08:39 PM PST This is more of a rant than anything else but I have $81K in private loans and $26K in federal loans. Honestly, my student loans make me so stressed out. I got a promotion at my job this year and somehow will be making less money than I did in my previous role at year end due to bonus plans changing (I'll take home roughly $40K this year). I hate feeling financially strapped between student loans and medical bills, and I'm even more nervous about what things will look like on January 31st. I am so incredibly tempted to start a gofundme and as for donations of literally one dollar. Even if 1500 people donated a dollar that would still be $1500, that's two months of payments for me as of right now (not paying anything towards my federal loans currently) which would be an insane amount of help. I hate the idea of doing it for the sake of drawing attention, but I feel so stuck which is why it's so tempting. I'm trying to be patient with the fact that I know it will probably take a long time to pay it all off, but the amount of sadness I feel knowing that I'll be paying my loans off and not being able to start an enjoyable life has really affected my mental health a lot lately. Like I said, this is more of a vent than anything else, but I would love everyone's advice on how to stop feeling like this. [link] [comments] |
| How quickly does income based payment go into affect? Posted: 25 Nov 2021 05:45 AM PST I make 100K a year and am on the standard repayment plan. I'm starting a new job in March where for the first 6 months, my salary will be 28k a year. After 6 months it goes up to a normal salary. Will I be able to adjust my monthly payment right when my pay cut goes into affect or does it take awhile? I won't be able to afford my standard payment while working with the pay cut. Also, with a salary of 28k a year, how much would my monthly payment be? When my pay rises after 6 months, do I have to submit my new income? In July, I'll be eligible for PSLF anyways. [link] [comments] |
| Posted: 24 Nov 2021 08:00 PM PST Thank you to this sub for teaching me about the IDR payment plans for when payments start up. I was so scared that i'd be struggling to pay $279/month and instead only have to pay a fraction of that. Y'all are lifesavers for real. [link] [comments] |
| Posted: 25 Nov 2021 04:23 AM PST Why do we sit back and just act like this loan system is okay and that we should lay them back? PPP loans were pretty much forgiven across the board. Banks bailed out in 2008. [link] [comments] |
| I finally refinanced and am taking control of my life! Posted: 24 Nov 2021 06:52 AM PST This is a follow up post. See previous posts here —— My refinancing funds with my new lender finally hit my current lender. I checked my Sallie Mae account today and it said ALL LOANS PAID IN FULL. I can finally begin my refinancing journey. Quick story on me… after graduating in 2015 from undergrad with $150k in student loans from a large private university, and screwing around for a few years not being strategic, while almost making six figures most of that time, I've finally refinanced my Sallie Mae Private loans. At the start of this process I had about $99k in Sallie Mae loans. I had applied to Earnest, Commonbond, Laurel Road, SoFi, Splash, Lendkey, Credible and some other lenders. I received offers from Lendkey, Splash, Laurel Road, Earnest and Commonbond thru the Credible platform. Most required I pay off a little bit of the principal of the $99k in order to qualify. Some said $98k, but for a few I needed the borrowed amount to be $95k in order to be approved. My credit was in the mid 600s during this process. Commonbond wound up being the best offer at about 3.4% after the autopay applied. This process truly taught me to shop around bc some lenders were trying to give me a rate at almost 8% which is crazy considering the rates right now!! As you can see in my previous posts, my highest rate on one of my loans was 11.25%. In order to get the best rate, I took the offer given by Commonbond and went to the other lenders asking if they would match or beat the offer. Laurel Road was the only one to say they would change their offer and lower it to stay competitive. I then went back to Commonbond with the Laurel Road offer and did the same thing. Commonbond then lowered their offer (shoutout to the Redditors who gave me this idea to have the lenders compete). I had $5k, essentially all my liquid savings which I was hesitant to use, but I put it towards my loan with the highest interest and made regular scheduled payments during a two month period to make sure the loan was just under $95k for the estimated payoff date. I got a 20 year loan which I hope to pay off in half of that time or less based on my career trajectory. I'll be making extra payments after I build up my savings for a year. I've actually started implementing a budget which I track weekly, a big change for me. Paying $1345 a month to $545 a month is going to help a lot with my savings goals. I just want to thank this sub for everything. It's crazy how much a difference a year can make. Earlier this year I was making $35k following a dream, and now I make almost twice that following the same dream. I wish I had heard about this sub years ago, but I didn't get the motivation to do this stuff until my back was against the wall and more than 50% of my check was going to student loans. Moral of the story is be intentional, you can do it. And it's never too late to change your financial situation even if you've screwed up. And most of all, forgive yourself for your bad student loan decisions. If I were more mature and aware at the time, I probably would have never taken the loans, or if I had taken them, I would have been more aggressive about paying them off in the first five years when I actually had the financial means to do so. I've cried and agonized over this debt, but I no longer do. It is no longer the beast on my back, it no longer scares me. I know what I have to do, and I have a plan. Best of luck to all of you. I love you Redditors, Godspeed. [link] [comments] |
| Paying off smaller loans first? Posted: 24 Nov 2021 09:22 PM PST I have multiple $5,000 loans and one loan that's over $16,000. I've been paying off the smaller ones over the past few years but am wondering if I should switch tactics once I finish paying off the current $5,000 I'm saving for? [link] [comments] |
| Thoughts on taking an education loan from NBFC's like Avanse and Auxilo Finserve! Posted: 25 Nov 2021 12:40 AM PST Hey folks, I was considering taking a loan for my Master's education and stumbled upon NBFC's such as Avanse and Auxilo Finserve that offers collateral free loan with a co-signor. I'd love to hear the experiences of anyone who has borrowed from them and pros/cons about borrowing from an NBFC as opposed to a traditional bank? [link] [comments] |
| Posted: 24 Nov 2021 01:42 PM PST TLDR with specific questions at the bottom; Dropped out of university around 2018 and I have about 9200$ worth of student loan debt, and an additional past due balance of about 3200$ owed to the university; I've only just today figured out how to log into Federal Student Aid gov to see my total loan balance; before that I had no idea how much I even owed. My only loan servicer is DEPT OF ED/MOHELA and I have 3 loans from them for 3500, 4500 & 1000. I'd like to start paying off this amount so that my credit score doesn't suffer any further than it already has but I'm not really sure where to start and I don't understand what a lot of the debt jargon since I've never bothered with any of it until now. I figured that since I never made a payment for so long that my loan must've defaulted, however the last correspondence I received from Mohela was a physical letter in Nov 2019 (Just before all the Covid related extensions) which stated that my account was "Severely Past Due" with a "Total Principal and Interest of $459.10 Due", which was the sum of my amount past due from each of the 3 Mohela loans. So I'm not sure whether my current debt is defaulted or in some pre-default status and is still only Past Due. Additionally, I also just created an account on Mohela's website to view my loan debt on their end and the only "Loan Status" I'm able to see is labeled as "Forbearance" which I assume is related to those aforementioned Covid extensions. If possible I'd like to proceed in such a way that I'm able to repair my credit score to some degree, and I read briefly that something called "Loan Rehabilitation" may be able to do that, but I'm not even positive that I've defaulted to begin with. Ideally I'm still only past due and haven't defaulted yet, and I'd like to bring my account current in that case, however besides the outdated letter I received in Nov 2019 which states my total amount due was "$459.10", I'm not sure where I can see how much I'm past due at this point in time or how much I should pay to bring my account current. My primary motivation is concern for my credit score, about which I'm also a bit confused on. My Credit Karma account says my Transunion score is 710 while my Equifax score is 703; however my banking website displays my Fico score as 589 and I'm not sure where I can see exactly why my Fico score is comparatively so low since my bank doesn't display that information on their website. Moreover on Credit Karma, if I look at my account then these 3 student loans are each separately labeled as "On Time" even though no payment has certainly ever been made. I've heard some complaints about Credit Karma not accurately reflecting your credit score, which I have every reason to believe is the case in my situation. Is there somewhere else I should check to get a more detailed look at my credit score and the relevant factors that effect it? Considering how Covid extensions have paused student loan repayment and that I may only be considered past due for my student loans rather than defaulted, I'm wondering if the fact that I separately owe the university 3200$, which has since claimed to have placed my account with an outside collection agency, is the cause of my low Fico score. This seems like the obvious answer however, besides the university emailing me in June 2019 requesting payment for the 3200$ balance, I never heard about it again. In fact I didn't even know that it was placed with "an outside collection agency" until today when I checked my campus receivable system which said the following: "You currently have an active collection service or agency hold. For more information, please visit our website here: SBS-Collections Your account is being serviced at the following agency: GRC 1st Placement (Collections Hold)". And yet I've not ever heard from this collection agency or am able to find any record of it on my Credit Karma credit scores. I realize the situation I find myself in is the culmination of many poor choices on my part that I feel pretty bad about, I'm just not sure how I should navigate the situation and any advice/tips are whole heartedly welcome and appreciated TLDR: Where should I check to get the most detailed information related to my credit score? My Credit Karma Transunion score is 710 while my Equifax score is 703; however my banking website says my Fico score is 589 and doesn't provide any details as to why. I assume there's a difference between past-due and defaulted, how do I figure out my current loan status outside of forbearance? If I'm only past-due, where can I find my total amount due so that I can bring my account current? I assume I just buckle down and call the MOHELA number provided in relevant emails, however as silly as it sounds I'm not sure whether or not I should be worried about any maliciousness and whether there are any things I should say that may help me or anything I should avoid saying because it might hurt me. Considering Mohela is a loan servicer and not a debt collector I'm less worried about any dubious activity on their part. On the other hand considering the $3200 owed to the university, which has since been placed with an outside collection agency. I'm even less clear how I should proceed. First and foremost I need to figure out what is negatively effecting my credit score, whether it's the non-existent student loan payments or this $3200 separately owed. I would guess that this amount is the cause however I've not ever heard from any collection agency that I can recall and am not certain that payment for this amount is being pursued in the first place. Additionally I can't find any mention of it on my Credit Karma account and am hesitant to contact the debt collector and inquire about it for fear of 'reminding' them about it if it happens to be a non-issue to begin with, however unlikely that may seem. And if it is the case that I find this specific debt owed is the cause of my low credit score from a more comprehensive and detailed credit report, I wouldn't even know where to begin paying it back as I have less than $4000 in the bank and certainly cannot afford to pay the full 3200 all at once. I know this post is a mess, thank you for reading it in part or whole and any advice is welcome [link] [comments] |
| Where and how to apply for student loan Posted: 24 Nov 2021 07:09 PM PST Not sure how and where to register or apply for student loans. I dropped out from community college years ago, I want to go back and start over if I can with a new major. I went there a few days ago to inquire about student loans and someone from the financial aid office told me to look for private loans from a [my] bank. That was it. I've checked to my best abilities and I don't think my bank offers any. I can't open a new account with another bank because I am sort-of poor. Also earned an occupational degree recently so I guess I am no longer undergraduate? Lastly, I have tried to read the fafsa gov site and it doesn't seem be to clear on where to start. I would appreciate any assistance. [link] [comments] |
| Posted: 24 Nov 2021 10:08 AM PST Does anyone have any recommendations for either an excel calculator or web based calculator that can handle the following?
I really like unbury.me but it's not able to handle the one off payment. Any tips would be greatly appreciated! [link] [comments] |
| Recertified PAYE plan before baby is due…payment went up. Posted: 24 Nov 2021 12:56 PM PST Having my first child in February, wanted to re-certify my IDR payment (PAYE) to factor in my change from no dependents to having a dependent in hopes of lowering my payment. I did get married in July, but the income they pulled was from my last taxes when I was still single. Somehow my payment was re-calculated and went up $30 a month. I should have just waited until I was forced to re-certify instead of doing it voluntarily. Why would my payment go up if my income hadn't changed and I'm going to have a dependent ? Should I try and re-certify again under a different IDR plan to see if I can find a way to get a lower payment? I'm on track for PSLF. Thanks in advance. [link] [comments] |
| PharmD to PhD? Or stick it out? Posted: 24 Nov 2021 12:40 PM PST Graduating with PharmD (US) in the spring. Will have ~$110k in student loan debt (about 75-85% is federal, the rest private). If I live frugally, I could theoretically pay it off in 5 years. The closer I get to graduation, the more I want to pursue a PhD and a research career rather than a clinical career with a PharmD. I can't do the research I want to do with a PharmD (translational/bench research). Problem is, PhD would take 5-7 years. That would be 5-7 years of lost income and the income after PhD would hopefully be around $85k if I am lucky. Should I wait to pay off debt and then go in to a PhD? Should I forget trying to do a PhD at all? How do I get satisfaction out of a career I just spent 100k on? [link] [comments] |
| Posted: 24 Nov 2021 05:08 AM PST I hope this isn't a silly question but I need some clarification. Occasionally I see posts here about how some have paid a huge chunk of money towards their loans and still didn't make a dent. I'm a bit nervous because I don't want to be in this predicament. I have $21,786.62 in federal loans. How much interest will I get monthly? (See chart below). I've never made a payment because I graduated when the payment pause was first put into place, but I intend to put $500 a month towards the loans from the original $200+ they wanted. That's all I can afford to do right now. Subsidized $3,500.00 - 4.450% Unsubsidized $2,211.95 - 4.450 % Subsidized $1,000.00 - 4.450% Subsidized $4,500.00 - 5.050% Unsubsidized $2,039.72 - 5.050% Subsidized $1,000.00 - 5.050% Subsidized $5,500.00 - 4.530% Unsubsidized $2,034.95 - 4.530% [link] [comments] |
| Receiving student loans after I graduate. Posted: 24 Nov 2021 09:22 AM PST I graduate from grad school in the spring but I received a student loan for a summer session. Can I cancel it or will it automatically be cancelled after graduation? [link] [comments] |
| Additional payments while on REPAYE or IBR Posted: 24 Nov 2021 09:21 AM PST Hi everyone, since repayment is coming up I'll be applying for either REPAYE or IBR (still learning about those options) as a repayment method. Is it possible to make additional payments while on either plan? For instance, I plan to use my tax refund (whatever amount it is) to pay loans but I don't know if that's possible at all [link] [comments] |
| Posted: 23 Nov 2021 05:20 PM PST I currently work in the public sector. I have not been going down the path or PSLF and having been paying off my loans as much as possible. I currently owe $49k in federal loans. I haven't gone down the path of PSLF as I have little faith in the system and I am unsure if I will remain in the public sector for a full 10 years. With the new rules in place that would allow me to apply my past payments toward PSLF, I would have another 83 payments until I reached the required 120 payments for PSLF. My current plan is to remain aggressive and drop a lump sum prior to interest starting back up - $30k or so before 1/31/22. Leaving me with $19k in principle to pay back. I currently have $0 in interest on my loans. I have multiple federal loans that average 5% interest across all of them. Right now, I've been debating about staying on the aggressive strategy that would deplete the majority of my savings or drawing out the loan over 25 years and move towards PSLF. If I extended to 25 years, I would roughly pay back $22k over that time period if everything remains status quo with the feds. Looking for a bit of advice on this matter. The lump sum payment I plan to make is a bit nerve racking. While I have a good job, I'll be able to build my savings back up and continue to pay more than the minimum on my loans. I could potentially have everything paid off within the next 12-24 months if I remain aggressive. Thoughts? [link] [comments] |
| Posted: 23 Nov 2021 05:52 PM PST Hello, first time lurking here. I got something in the mail claiming to be from the government that claims I can reduce or cancel my student debt, but I don't trust it. I'd show the url but that seems to be banned here. [link] [comments] |
| Posted: 23 Nov 2021 11:13 AM PST I was thinking of paying all the accrued interests from the loans then chip away at the principles until next year so that no interest ever capitalizes before that date. Or I could start chipping away at the principles of the loans with no interests, and possibly wipe those out, leaving me with the loans that have interest. [link] [comments] |
| SO graduated from the Art Institute in California. Can he get his loans forgiven? Posted: 23 Nov 2021 06:25 PM PST Hi everyone, My SO graduated in 2013 from AI and is still struggling to pay off his loans. Has anyone had experience getting their loans forgiven? If so, where did you apply? I really want to help him the best I can with this process. TIA! [link] [comments] |
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