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
|
|
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
|