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Last post by blackOrchids - November 20, 2019, 10:52:28 pm

I'm a single mom with 13 kid. I have not been working since 2015 because of work injury. I also didn't file any taxes since 2016 because I'm receiving worker's compensation disability. 2 days ago I received my lump sum reward of $42,000.00 and I have been thinking of how can I do with the money to grow. I'm still unemployed so, anything I do with that money will be taxable in the end. Right now that money is non taxable. I needed some help and advice on how can I use the money to grow. I have a bank account and a standard savings account for my son.

Thank you,
Student Loan Scams / Re: Document Prep Solutions
Last post by Stephanie0808 - November 18, 2019, 04:48:34 pm
Doc Prep helped me consolidate my loans after a terrible default. Their fees were pretty reasonable. I already pay to have my taxes done so why not make sure all the Is are dotted and Ts are crossed.. They let me know ahead of time that I can most definitely do it myself however I knew having a prep company do it for me would be much more efficient and get done right the first time. I have never had a problem with them. They also contact me annually to recertify, which is very convenient.
Ask a Question / Re: Ibr retroactive
Last post by Elimn17 - November 18, 2019, 04:14:45 pm
Got it. Thank you:)
Ask a Question / Re: Ibr retroactive
Last post by TheCollegeInvestor - November 18, 2019, 02:17:07 pm
Your loan forgiveness start date is from when you enrolled in IBR on your loans. If you were on a different repayment plan, or in deferment, that time period doesn't count.
Ask a Question / Ibr retroactive
Last post by Elimn17 - November 18, 2019, 11:37:20 am
I have recently been wondering about this and haven't been able to find any information on if my 20-25 years is retroactive being that my loans are from before these programs ever started.

I have been on an IBR for many years now but I've been wondering if my 20-25 years started before the programs started. My loan is from 2005. I've been doing IBR almost since the program started. So does my 20-25 years start in 2005 or when I started my IBR?

Student Loan Scams / Re: Freedom DocPrep ??
Last post by scrubbydog - November 18, 2019, 09:06:03 am
I was also contacted by Freedom Docs Prep, but have not signed up with them.  Did some research and am leery of this company because of the fee up front.  Has anybody else dealt with this company?
Student Loan Scams / Freedom DocPrep ??
Last post by olive08 - November 12, 2019, 09:46:24 am
I was contacted by Freedom DocPrep yesterday and signed up with them for the Public Service Loan Forgiveness repayment plan. I've done some research since then and I'm now worried this is a scam.

Does anyone know if this is legit or if it's a scam? Has anyone else been contacted by this company?
Student Loan Forgiveness / Re: Nelnet loan forgiveness wi...
Last post by TheCollegeInvestor - November 10, 2019, 09:50:12 pm
No, you won't get a refund. Any remaining balance will be forgiven.
Student Loan Forgiveness / Nelnet loan forgiveness with S...
Last post by altoonaloona - November 09, 2019, 06:53:34 pm
I have about $12,000 in student loans that defaulted. Only became aware of the forgiveness program a few years ago. I am age 59, on Social Security Disability (SSD) since 2011. Am under the Benefits Planning Query (BPQY) for 3 year reviews. Never have been seen by review doctor yet, just get those short forms to fill out and a computer reads it, a letter back to me that I will not be reviewed at this time. Am going to fight with Social Security to change my BPQY to 5 to 7 year review as required by the Department of Education. The BPQY will have that Sept, 2011 onset date of disability on it and other information. If this does not work will use medical app statement for doctor to sign. (with current date of course (you cannot back date it). My local Social Security office told me they will not actually review me with a doctor because I am close to age 62, will roll over to retirement benefit. They will not spend the money for a doctor review the rep said.

This is my question, have paid over $7,500 so far on defaulted student loans past 3 years, started in 2017, taken automatically out of my monthly SSD check, 15%. My Social Security award letter states onset date of disability Sept, 2011. I have gotten three different answers from Telnet. They state in the forms it is the date they receive the paperwork or doctor signed the statement, as THEIR date the disability began. I have been told by Telnet date of disability is what THEY determine and recommend after reviewing documents. If approved the collection agency, Debt Management and Collections System then gets to decide what they will use that or not for the disability date. I see for Veteran's for student loan forgiveness is the date of disability while in the service. Very noble and fair for them I agree wholeheartedly.

I am getting impression no refund for SSD persons to very little (processing time refund only) for my student loans what I already paid Telnet. Just will be forgiven my remaining balance which is about $4,400. I am going to try talk to a legal aid attorney. Does anyone know what the facts are with this type of issue or have you experienced it with Department of Education, Telnet and the collection agency they put you too?. What should I do?. I am finding very little info on this on the internet blogs. Frustrated!!!  >:(
Student Loan Forgiveness / Re: Student Loan Forgiveness- ...
Last post by TheCollegeInvestor - November 02, 2019, 03:16:01 pm
No sadly, that doesn't change anything.
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