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21
Student Loan Scams / Re: Student loan care / studen...
Last post by Dylananthony - January 03, 2021, 02:08:47 am
Sorry for opening an old thread and being late to the show, but I wanted to add my opinion just in case it is useful. I understand your situation because now, I am also facing same the kind of issue, I hope your problem should be solved or else are you still struggling?

My friend referred to one site Floridatitleloans.org. Is this Company worth considering? I will be happy if you concern about it. Thanks in
advance.
22
General Discussion / Re: stressed out
Last post by Dylananthony - January 03, 2021, 02:03:43 am
Quote from: TheCollegeInvestor on July 23, 2020, 03:28:29 pmSee this guide to your options for parent PLUS loans: Parent PLUS Loans.
Sure I Will Try Defenitly
23
General Discussion / Re: Hey everyone! Im newbie!
Last post by Dylananthony - January 03, 2021, 02:00:42 am
Quote from: TheCollegeInvestor on August 31, 2020, 10:26:15 pmYou might want to read our guide to Student Loan Consolidation.

Thanks to the creator for writing the post, it was quite necessary for me.
24
For Parents / Re: Help!!
Last post by TheCollegeInvestor - December 19, 2020, 09:38:38 am
There are a lot of scholarship opportunities, but the hardest part is finding them. It requires time and effort. Usually, local organizations and employers are the best bet. Check out this guide: How to find college scholarships.

If she does decide to borrow to pay for college, Federal loans are only in her name - nothing is required of you. It's typically not a good idea to borrow private loans. See this guide: How To Find The Best Student Loans.
25
For Parents / Help!!
Last post by John C - December 19, 2020, 06:49:39 am
I am a single dad trying to help pay for my daughter's education at University of Texas (Austin). She's a freshman and her 529 only covers her through spring 2021.  Long story short, I'm only working part time, but trying to find something more substantial. 
I don't want her to be saddled with enormous student loans, so I've been scouring the internet for grants, scholarships, etc.  Literally, I've come up with either scam websites or dead ends.
 
My question:  what is the best possible avenue to go down for (non FAFSA related) grants and scholarships?

Another question:  If we went down the student loan route, I don't even think could be a co-signer because of my income situation right now.  Any thoughts on that? 

Thanks for any insights!

John
26
General Discussion / "Student Loan Defense Center" ...
Last post by BobRTC - December 01, 2020, 02:48:08 pm
Hey everybody

At BobRTC.tel we track scammers particularly student loan scams and we have some news to share.  The scam forgiveness center that used to go by 'Documents Done Right' has reorganized and now goes by 'Student Loan Defense Center'.

They are the ones now leaving those 'David Reynolds' robocalls

We also found them running ads for phone agents: https://bobrtc.tel/central/d/61184-student-loan-defense-center-scam
27
Student Loan Scams / Re: Is students come first a s...
Last post by TheCollegeInvestor - November 13, 2020, 04:51:36 pm
You might find our guide helpful so you can determine your situation: Top Student Loan Scams.
28
Student Loan Scams / Is students come first a scam?
Last post by ShopKey - November 12, 2020, 03:37:04 pm
I made the dumb mistake of signing up since the 20 year forgiveness program was what my mom signed up for but I'm worried I just got duped. Anyone else hear of this group?
29
Investing / Re: How to Invest $250 per mon...
Last post by Kady_Draper - November 06, 2020, 01:04:26 am
First, six months in an emergency fund is nothing. Bump it up to nine or 12 months. Many experts throw this 6-month number around, but it's not realistic. If, God forbid, something really adverse happens to you (job loss, disability, a relative needing help, etc.), you wouldn't survive with 6 months.

Second, go with ETFs and do automatic investment. The fees are way lower than on mutual funds, and ETFs give you great diversification. You're in your 30s, so you got plenty of time to enjoy double digit returns over, say, 20-30 years until retirement.
30
Private Student Loans / Re: Student loans not Qualifie...
Last post by Kady_Draper - November 06, 2020, 12:57:19 am
Maybe you need to seek help on your case: either a (free) student loan counselor or pro bono attorney, so you can see things clearly. Normally, qualified (and non-qualified) education loans can be discharged, depending on your circumstances. It looks like you took out the loan around the financial crisis of 2008. Who was the lender?

It's important to know because bankruptcy laws don't make it easy to get your student loan debt eliminated, but it's possible to discharge student loans in bankruptcy if you meet a high bar. Specifically, you have to prove repaying your loans would be an undue hardship.

While different courts use different tests to evaluate whether repayment is an undue hardship, many use a version of the Brunner test. There are a few parts to it, including whether you've made a good faith effort to pay your loans, whether you'll be able to maintain a reasonable quality of life if you're made to repay them, and whether repayment difficulties are likely to persist for a long time.
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