| Subject |
Author |
Message Date |
ID |
 TMI, but here goes: |
|
Sep 13th 2011 | 1
|
 so basically you consolidate and pay one bill? |
|
Sep 13th 2011 | 6
|
 No, they send me an invoice giving me a zero balance. Gone. |
|
Sep 13th 2011 | 11
|
| why were your loans forgiven? |
|
Sep 13th 2011 | 17
|
 I guess I just qualified. When you do the paperwork, it'll tell you |
|
Sep 13th 2011 | 20
|
| *raises hand* |
|
Sep 13th 2011 | 25
|
| yup, loan forgiveness (I realize it says consolidation) |
|
Sep 13th 2011 | 62
|
| if it's income based, i won't qualify. |
|
Sep 13th 2011 | 26
|
| I couldn't either. That's why I have a garnishment. |
|
Sep 13th 2011 | 60
|
| um...u have a zero balance because those were paid by.... |
|
Sep 13th 2011 | 18
|
| this is loan forgiveness, not consolidation |
|
Sep 13th 2011 | 22
|
| oh ... i didn't go to the link.... |
|
Sep 13th 2011 | 27
|
| inbox. |
|
Sep 13th 2011 | 32
|
| done |
|
Sep 13th 2011 | 66
|
| who is "they" tho? |
|
Sep 13th 2011 | 56
|
| US Dept of Education, I believe |
|
Sep 13th 2011 | 67
|
| can only consolidate gov loans with the gov |
|
Sep 13th 2011 | 16
|
| i don't have any private loans, i'm using SM loosely. |
|
Sep 13th 2011 | 19
|
| can't hurt to try it; all they can say is yes or no |
|
Sep 13th 2011 | 23
|
| what do u mean by "wipe away"? |
|
Sep 13th 2011 | 8
|
| #11 (loan forgiveness) |
|
Sep 13th 2011 | 14
|
| what do you mean by "wiped away"? |
|
Sep 13th 2011 | 10
|
| #11, #14 |
|
Sep 13th 2011 | 15
|
| whoaaaaaaaaaaaaaaaaaaaaaaaa....say what now? |
|
Sep 13th 2011 | 33
|
| it worked for all but one of my loans and that's better than nothing |
|
Sep 13th 2011 | 71
|
| archive. thanks for this |
|
Sep 13th 2011 | 38
|
| no prob. I hope it helps somebody! |
|
Sep 13th 2011 | 72
|
| Are you a teacher, lawyer, doctor or in the military |
|
Sep 13th 2011 | 79
|
| nope |
|
Sep 13th 2011 | 90
|
| WAIT WAIT...how long were you paying |
|
Sep 13th 2011 | 82
|
| I graduated in 2000. Hadn't paid a dime. Tried defferring and was in |
|
Sep 13th 2011 | 91
|
| i think you should call them and get a letter in writing |
|
Sep 13th 2011 | 115
|
| They send you a Powell'y letter when you get your first invoice. |
|
Sep 13th 2011 | 126
|
| i consolidated mine but they didn't forgive my loans |
|
Sep 13th 2011 | 117
|
| sorry to hear that; if your income changes, apply again |
|
Sep 13th 2011 | 133
|
| it has but i'm married now so they include his income as *my* income |
|
Sep 13th 2011 | 143
|
| ouch.... yeah I think that's the only loophole |
|
Sep 13th 2011 | 148
|
| im doing the long way |
|
Sep 13th 2011 | 2
|
| Wray taught me and I've been able to help 2 other people with it so far. |
|
Sep 13th 2011 | 3
|
| it'd prolong living at home |
|
Sep 13th 2011 | 4
|
| naw... |
|
Sep 13th 2011 | 9
|
| 5 yrs can fly by! |
|
Sep 13th 2011 | 35
|
| lol seee.... |
|
Sep 13th 2011 | 42
|
| I can give very specific advice if you'd like to inbox me |
|
Sep 13th 2011 | 5
|
| my first job.... |
|
Sep 13th 2011 | 7
|
| ill be paying em til its time for my kids to get theirs |
|
Sep 13th 2011 | 12
|
| I'mma TRY to raise my kid nerd style...... |
|
Sep 13th 2011 | 106
|
| why rush to pay them off? |
|
Sep 13th 2011 | 13
|
| Very few people actually pay for a Doctorate |
|
Sep 13th 2011 | 21
|
| not true at all |
|
Sep 13th 2011 | 75
|
| You're right about the for-profits, but at non-profits |
|
Sep 13th 2011 | 95
|
| this is true also |
|
Sep 13th 2011 | 24
|
| thats why i said some people treat em like life sentences |
|
Sep 13th 2011 | 29
|
| there's good debt and bad debt |
|
Sep 13th 2011 | 34
|
| i'm scared of credit cards |
|
Sep 13th 2011 | 37
|
| get a credit card through your bank account |
|
Sep 13th 2011 | 43
|
| omg get a rewards card, stat! |
|
Sep 13th 2011 | 48
|
| yeah i know |
|
Sep 13th 2011 | 54
|
| Unless you have no other debt, no reason to pay them early |
|
Sep 13th 2011 | 28
|
| i don't have any other debt, but i would prefer to save it |
|
Sep 13th 2011 | 31
|
| Budgeting to pay the minimum isnt difficult |
|
Sep 13th 2011 | 36
|
| inbocks. |
|
Sep 13th 2011 | 30
|
| default |
|
Sep 13th 2011 | 39
|
| THERE IS SO MUCH MISINFORMATION IN THIS POST |
|
Sep 13th 2011 | 40
|
| yea that sounded crazy but i aint wanna bubble burst |
|
Sep 13th 2011 | 41
|
| I could be wrong but I check every invoice/statement as they come in. |
|
Sep 13th 2011 | 73
|
| you have to submit a financial statement annually. if, at the end of the... |
|
Sep 13th 2011 | 84
|
| thx Wray. I'm sure I was saying it wrong. |
|
Sep 13th 2011 | 97
|
| wow. if that is in fact the case, barry got my vote forever |
|
Sep 13th 2011 | 114
|
| before i got married my required payment was $0 a month. i still got |
|
Sep 13th 2011 | 136
|
| thats what i thought... |
|
Sep 13th 2011 | 46
|
| yeah theres no way she got loan forgiveness |
|
Sep 13th 2011 | 47
|
| *checks invoice again* |
|
Sep 13th 2011 | 70
|
| When Sallie Mae |
|
Sep 13th 2011 | 74
|
| you're probably gonna get a bill in 6 months or some shit |
|
Sep 13th 2011 | 78
|
| yes, they're garnishing one and the other 5 are written off |
|
Sep 13th 2011 | 98
|
| i'd teach to get out from under these MFers |
|
Sep 13th 2011 | 49
|
| **places monkey back on back** |
|
Sep 13th 2011 | 51
|
| lol |
|
Sep 13th 2011 | 61
|
| RE: THERE IS SO MUCH MISINFORMATION IN THIS POST |
|
Sep 13th 2011 | 69
|
| Your loans may be written off. That's not the same as forgiven |
|
Sep 13th 2011 | 77
|
| not written off either |
|
Sep 13th 2011 | 111
|
| It is income based yes, but I don't forsee myself changing jobs |
|
Sep 13th 2011 | 134
|
| So you are going to spend the |
|
Sep 13th 2011 | 142
|
| please explain how you got that motivation from her not changing |
|
Sep 13th 2011 | 144
|
| RE: please explain how you got that motivation from her not changing |
|
Sep 13th 2011 | 145
|
| again, I'm not below the poverty level (link) |
|
Sep 13th 2011 | 150
|
| nope. and I'm not below the poverty level |
|
Sep 13th 2011 | 149
|
| I was only joking but... |
|
Sep 13th 2011 | 151
|
| LOL... I was about to say...lol |
|
Sep 13th 2011 | 103
|
| i do the minimum but apply extra towards the principle when i can |
|
Sep 13th 2011 | 44
|
| long haul |
|
Sep 13th 2011 | 45
|
| i'm not in a hurry at all. |
|
Sep 13th 2011 | 50
|
| No need to rush to pay them off. They dont negatively impact |
|
Sep 13th 2011 | 53
|
| so if i took a online class from now til forever |
|
Sep 13th 2011 | 52
|
| You have to be enrolled at least half-time for in-school deferment |
|
Sep 13th 2011 | 55
|
| yeah, one of two cheques went to them |
|
Sep 13th 2011 | 57
|
| this might be the move. |
|
Sep 13th 2011 | 58
|
| also it depends on your monthly payment. |
|
Sep 13th 2011 | 59
|
| mine is like $320/mo minimum |
|
Sep 13th 2011 | 68
|
| mine is like 400/month |
|
Sep 13th 2011 | 85
|
| whoa where they come up with this shit |
|
Sep 13th 2011 | 87
|
| private sallie mae |
|
Sep 13th 2011 | 89
|
| basically. art school is expensive |
|
Sep 13th 2011 | 93
|
| thats why i went to DAAP. |
|
Sep 13th 2011 | 94
|
| i just wanted to go in-state and specifically to an art school |
|
Sep 13th 2011 | 99
|
| Pays minimum |
|
Sep 13th 2011 | 63
|
| Taking it to the grave. Bury me with my textbooks & gravity bong. |
|
Sep 13th 2011 | 64
|
| I paid the whole thing off earlier this year. |
|
Sep 13th 2011 | 65
|
| This is what I just did |
|
Oct 25th 2011 | 165
|
| I consolidated 6 out of my 7, but |
|
Sep 13th 2011 | 76
|
| ive always been taught to start with the biggest ones |
|
Sep 13th 2011 | 80
|
| Do what works for YOU! |
|
Sep 13th 2011 | 81
|
| I was all geeked until... |
|
Sep 13th 2011 | 152
|
| I do income based and update it every year |
|
Sep 13th 2011 | 83
|
| i just checked fafsa's site using anonymous cowards advice |
|
Sep 13th 2011 | 86
|
| that's a good idea... |
|
Sep 13th 2011 | 88
|
| I pay 77.77 to sallie Mae every week... |
|
Sep 13th 2011 | 92
|
| paid them off hardcore |
|
Sep 13th 2011 | 96
|
| RE: how'd you handle your student loans? |
|
Sep 13th 2011 | 100
|
| I'm a Lawyer, so they PWN me every month |
|
Sep 13th 2011 | 101
|
| ummm....what is IBR? |
|
Sep 13th 2011 | 108
|
| income-based repayment. you pay 15% of your income for |
|
Sep 13th 2011 | 109
|
| public health is 10 years too. |
|
Sep 13th 2011 | 112
|
| SONOFABITCH!! why didn't i know about that 10 years ago. |
|
Sep 13th 2011 | 116
|
| Because Barry got it passed in 2009 |
|
Sep 13th 2011 | 120
|
| inbox |
|
Sep 13th 2011 | 127
|
| did you have to get the loans after the bill was passed? |
|
Sep 13th 2011 | 121
|
| it only counts on payments made after the bill was passed BUT |
|
Sep 13th 2011 | 124
|
| word. thanks :) |
|
Sep 13th 2011 | 129
|
| on that 25 year plan |
|
Sep 13th 2011 | 102
|
| Right now I'm on that Minimum Monthly Life Sentence! |
|
Sep 13th 2011 | 104
|
| somebody finna be salty. |
|
Sep 13th 2011 | 105
|
| lls. |
|
Sep 13th 2011 | 107
|
| lol :-( |
|
Sep 13th 2011 | 110
|
| consolidate, work for govt/nonprofit, pay min, have govt pay off in 10 y... |
|
Sep 13th 2011 | 113
|
| You'd be surprised how fast 10 years goes by... |
|
Sep 13th 2011 | 118
|
| i'm teetering |
|
Sep 13th 2011 | 119
|
| so, is she right or wrong? |
|
Sep 13th 2011 | 122
|
| i dont think anybody wants to burst her bubble. |
|
Sep 13th 2011 | 123
|
| ^ |
|
Sep 13th 2011 | 128
|
| It's okay; I am wrong sometimes. And I may not have all the facts |
|
Sep 13th 2011 | 141
|
| i know right....lol |
|
Sep 13th 2011 | 125
|
| i think she gets it now after wray's explanation. |
|
Sep 13th 2011 | 130
|
| See post 60, "that's why I have a garnishment..." |
|
Sep 13th 2011 | 131
|
| nah based on wray's explanation they are just income deferred... |
|
Sep 13th 2011 |
|
| If you're deferred, you should not have a garnishment... |
|
Sep 13th 2011 | 137
|
| i think she had several loans.... |
|
Sep 13th 2011 | 138
|
| correct |
|
Sep 13th 2011 | 140
|
| the garnishment had already begun before I filed the papers |
|
Sep 13th 2011 | 139
|
| both |
|
Sep 13th 2011 | 135
|
| yall shld archive this post when it runs its course. |
|
Sep 13th 2011 | 132
|
| lol..at how u niggers shit on bho ery chance u get |
|
Sep 13th 2011 | 146
|
| RE: how'd you handle your student |
|
Sep 13th 2011 | 147
|
| I work in effin fin aid and I swear... |
|
Sep 13th 2011 | 153
|
| I studied physics, where the schools pay you for grad school. |
|
Sep 13th 2011 | 154
|
| caltech right? |
|
Oct 25th 2011 | 168
|
| mine is only $180 a month. I pay $200. I know ppl with ivy league loans |
|
Sep 13th 2011 | 155
|
| wow |
|
Sep 13th 2011 | 156
|
| i got ivy league loans |
|
Sep 13th 2011 | 159
|
| ivy league? pssssh. |
|
Oct 25th 2011 | 169
|
| got a job that helps to pay them off (teacher) |
|
Sep 13th 2011 | 157
|
| bookmark |
|
Sep 13th 2011 | 158
|
| No loans |
|
Sep 13th 2011 | 160
|
| RE: how'd you handle your student loans? |
|
Sep 13th 2011 | 161
|
| i just found a way to pay slightly less/finish quicker. |
|
Sep 16th 2011 | 162
|
| i actually applied for consolidation online on wednesday.... |
|
Sep 16th 2011 | 163
|
| So did the advice in here work out for anyone? |
|
Oct 17th 2011 | 164
|
| My loans = under 200/mo, wife loans = over 1000/mo |
|
Oct 25th 2011 | 166
|
| http://brightfrontier.wufoo.com/forms/get-ready-to-save-some-serious-cas... |
|
Oct 25th 2011 | 167
|
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