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1
Student Loan Scams / STIMULUSFORGIVENESS SCAM?
Last post by Dropthatbeat - April 12, 2021, 09:49:33 am
 He‎llo m‎y name ‎is T‎a‎r‎r‎a ‎R‎a‎y‎‎ne‎r,‎ a‎‎ge‎‎nt id‎ ‎numb‎e‎r‎: 45‎‎5‎‎55. ‎It loo‎k‎s‎ like ‎‎‎yo‎ur ‎st‎udent l‎o‎an ‎ma‎y ‎b‎e e‎ligible fo‎‎r t‎he‎ ‎recent stim‎‎‎ul‎us forgive‎‎ness‎ ‎‎an‎‎d relief legisl‎a‎ti‎on, ho‎w‎e‎ver‎ ‎‎y‎o‎ur ‎‎app‎li‎‎‎‎ca‎tion‎ ‎‎d‎oe‎s n‎eed ‎to be co‎mplet‎ed‎. ‎T‎h‎is a‎pplies t‎o ‎al‎l lo‎‎a‎n ‎st‎at‎u‎‎s‎es‎‎ in‎c‎luding ‎th‎‎ose‎‎‎ l‎oa‎n‎s‎‎ i‎n‎ ‎d‎efau‎lt‎ and ‎ga‎rn‎ishme‎n‎t‎. If‎‎ ‎y‎o‎u c‎ou‎ld‎‎ ‎pl‎e‎a‎‎se g‎i‎ve your de‎d‎‎icate‎d‎ eli‎g‎ib‎i‎li‎ty l‎ine a c‎all‎ at‎: 86‎‎6‑561‑‎381‎‎2‎,‎ ‎‎we‎ c‎an have t‎his ‎ap‎p‎lied‎ im‎‎me‎di‎a‎tely.‎‎‎‎ P‎lease‎ ‎be‎ ‎awa‎‎re ‎th‎‎a‎t‎ th‎e‎se b‎en‎efi‎‎t‎‎s‎ c‎o‎‎me on‎ ‎‎a‎ firs‎t‎ com‎e ‎firs‎t‎ ‎serv‎e ‎ba‎‎‎‎si‎‎‎s‎ t‎hough.‎‎‎‎ ‎Ple‎as‎e make sure‎‎ t‎‎o pro‎vide ‎your‎ pe‎rson‎al‎ v‎al‎idati‎on ‎cod‎‎e #XXXXX‎. O‎u‎r‎ ‎‎o‎f‎fi‎ce ‎h‎‎o‎ur‎s‎‎‎ are 8am-‎‎5p‎m ‎(PST) M‎on‎da‎y‎-‎Friday.‎ ‎T‎‎‎h‎a‎n‎k ‎Yo‎u,‎ T‎arra ‎Ray‎n‎er ..‎.‎....‎‎‎..‎.. St‎u‎dent ‎Serv‎i‎c‎e‎s‎, 1887 W‎hi‎tn‎e‎y ‎Me‎sa‎ D‎r #3215, ‎H‎e‎nd‎erson ‎8‎9014 NV‎ 89014 ‎.....‎..

I Received above email. Anyone else get this? I'm about 💯% sure it's a scam cuz it's to good to be true.
2
Student Loan Scams / Re: Is students come first a s...
Last post by Algave93 - April 07, 2021, 04:40:11 am
I recently signed up with them but I'm canceling services with them. It seems to good to be true. I hope they'll make it easy for me.

If you see this could you reply and let me know about your experience and if you're still using their services or not?
3
Student Loan Scams / Student Loan Supports (SLS)
Last post by A.Trujillo - March 12, 2021, 04:53:59 pm
Has anyone done business with Student Loan Suppots (SLS)? SLS claims to be a Federal Student Loan Relief Program by consolidating your federal student loan and processing repayment documents. We received a call from a representative who made a convincing sales pitch about loan debt reduction and/or loan forgiveness. However, they asked for fee payment up front ($1672 total) in order for them to enter into negotiations with our student loan servicer. We signed up with SLS in September 2020 and now six months later we get another call offering us another option for further loan reduction under a so called COVID standard option but that also requires a further fee of $1300. After recently discovering your article on student loan scams, I'm wondering if we have been scammed.  :-\
4
Student Loan Forgiveness / Re: Student loan default
Last post by TheCollegeInvestor - February 28, 2021, 09:48:31 pm
It usually posts on your credit report within a week or so. Yes, it will likely raise your score, but remember, you still have late payments and other factors holding you back. It will take time to dramatically raise it.

When you pay off that loan, it will boost it even more.
5
Student Loan Forgiveness / Student loan default
Last post by Dmass316 - February 28, 2021, 08:30:11 pm
I recently completed a student loan rehabilitation and my loans are out of default as of 2/24/2021 and with my new loan servicer. 1 loan for 5K. When should I expect the new loan to report on mu credit and would this raise my credit score some since im no longer in default?
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Ask a Question / Re: Slump in Applying for Fina...
Last post by TheCollegeInvestor - February 22, 2021, 07:43:18 am
Why can't you just mail it via that USPS?

I'm sure it would only take the standard amount of time for a letter -  usually less than a week.
7
Ask a Question / Slump in Applying for Financia...
Last post by zayeds - February 22, 2021, 05:13:13 am
I'm looking to file the FAFSA for 2020-21, and I've filled the form completely. All that's left is mailing in the signature page from my dad, since he's not a US Citizen/PR. My question is, does the sending address for the signature page matter? We could DHL it from his country but that would take a good amount of days, not to mention the risk of package loss and I'm not sure I have too much time left for processing my application. We do have relatives in the States, and we can send them his signature electronically, have them print it out and mail it to the FSA's address. Anyone ever been in a similar circumstance? Any help appreciated.
8
Navigating Repayment / Re: Federal student loan forbe...
Last post by TheCollegeInvestor - February 20, 2021, 02:17:54 pm
Only Direct Loans qualify, as well as certain FFEL and Perkins loans that were bought back by the Department of Education during the 2007-2009 financial crisis (this is a very, very small amount of loans).

As such, the 8 million or so borrowers that have FFEL and Perkins loans are left out of all CARES ACt programs.

Sounds like you have an FFEL loan? Basically, 99% of all loans prior to 2009 were FFEL.
9
Navigating Repayment / Federal student loan forbearan...
Last post by Denise - February 19, 2021, 08:01:29 am
I currently have federal student loans being serviced by Navient. The Federal Student Aid/National Student Loan Database have also confirmed that my loans are federal and not private loans. Today, I contacted Navient to confirm that my scheduled montly payments have been suspended until September 30, 2021 at 0% interest per Biden's recent forbearance extension for federal student loans. According to Navient, the extension does not apply to all federal student loans. Rather, only federal student loans that were awarded by the Department of Education qualify for the extension because Biden's jurisdiction on federal student loans is limited to those given by the Department of Education.

I have not read this caveat anywhere and would like to know if anyone is aware of it or had a similar experience with Navient or other loan servicers?
10
Student Loan Forgiveness / Re: PSLF and state taxes
Last post by nik_pa - February 18, 2021, 11:07:17 am
Just to update anyone else on this I finally received a reply from the Pa. Dept. of Revenue (I submitted the question December 10th). They confirm that loans forgiven under PSLF are taxable as the forgiveness is linked to employment.

"The student loan amounts forgiven under the Public Service Loan Forgiveness are subject to PA state income tax.  The loans are only forgiven for those individuals who agree to take a public service job. PIT Bulletin 2009-02. https://www.revenue.pa.gov/GeneralTaxInformation/TaxLawPoliciesBulletinsNotices/TaxBulletins/PIT/Documents/pit_bulletin_2009-02.pdf
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