Consolidating student loans advice
We get this question all the time, so here's a PSA/Sticky.Text from /u/betsy514: There is almost never a reason to pay anyone for help with your student loans.Read these things https://gov/sa/about/announcements/debt-relief-message Mod note: If you have additional resources or comments, please leave them below and I can build a more permanent and comprehensive sticky post.Edit: Nerdwallet has a list of companies to avoid: https:// Edit: Also, you may see targeted ads based on the debt relief from schools with fraud issues or closures: https:// Edit: FTC cracking down on some of these companies, with list of names to avoid: https://gov/news-events/press-releases/2017/10/ftc-state-law-enforcement-partners-announce-nationwide-crackdown Public Service Loan Forgiveness (PSLF) started in October of 2007, and it's now 10 years later, so the question of "has anyone actually gotten their debt discharged with PSLF yet? Only borrowers that jumped on the program immediately will be eligible for now, and that number is pretty low.Pour obtenir plus d'informations et pour vous inscrire : des informations supplémentaires : recruitment [email protected]'ve spent the past few hours pouring over my loan documents and building up a good bit of paranoia.A good part of this is that I have no idea what is considered a 'normal' amount of student loans- my friends/colleagues are all at extremes, with either no loans at all, or massive debt that makes my head spin.There isn't a person or entity on the planet that can get you a lower payment or forgiveness that you can't get for yourself - for free - by working with your loan holder or the various free resources.
After my grants and scholarships, I have both a subsidized and subsidized direct loan that clocks in at ~5.5k per year.
Well, that’s good to know but it doesn’t help me since they haven’t approved it yet!
I expressed that I hoped it was not lost and she just made excuses about how busy they were and how they also did processing for other loan forgiveness programs. I’m about ready to just do another application for loan forgiveness and start over.
*I also fully plan on paying off both loans, I don't expect my mother to take that burden by herself.
I’m wondering if it’s possible that I have made more qualifying loan payments than Fed Loan currently has me at.
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I’m going to have to ask for another administrative forbearance here shortly if nothing happens. The interest is accruing like crazy now that I’m not making any payments.