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Student Loan Forgiveness / Re: I am confused about repaym...
Last post by TheCollegeInvestor - January 10, 2020, 01:25:16 pm
Yes, you can switch repayment plans to any qualifying repayment plan and not impact your PSLF eligible payments. You might find this article helpful: Married Filing Separately for PSLF
Student Loan Forgiveness / Re: I am confused about repaym...
Last post by poco02 - January 10, 2020, 05:39:09 am
I am part of PSLF and have been making qualifying payments for 3 years.  I am part of the REPAYE repayment plans and because I got married my spouses income is now factored into my monthly payments, making my payments much larger than before, and difficult to pay. Am I able to switch to another repayment plan such as PAYE or IBR while in PSLF and not reset my clock?  Which repayment plan is the best option now that my salary has also increased?
Student Loan Scams / LOAN SCAM
Last post by THOR - January 08, 2020, 12:22:22 pm
Has anyone heard of ALLIANCE LOAN SUPPORT LLC.
Navigating Repayment / Re: consolidation
Last post by TheCollegeInvestor - December 31, 2019, 12:50:30 pm
Navient is a Federal loan, which has options such as income-driven repayment. You simply need to apply and you could have a payment as low as $0 if you don't make much money. Forbearance is a terrible option - get on an income-driven repayment plan.

All you have to do is call and ask for this, fill out the paperwork, and you're set (you just need to re-certify your income annually). You can also do it online at StudentLoans.gov.

If you refinance, you lose access to these plans. So while you may save on interest, you likely wouldn't be able to afford your new loan.
Navigating Repayment / consolidation
Last post by rauha - December 31, 2019, 08:15:24 am
My interest rate at Navient is 8.25, I could get 3,375 at my credit union. I am 65 retired and living on a limited income. I can't make the huge payment Navient wants and I could get a much lower payment at my credit uniopn. I need advice about this. I have been in forebarence for years.
For Parents / Re: Income contingent repaymen...
Last post by Justme9899 - December 30, 2019, 03:01:27 pm
I am about to enter into a situation with
United Aid Group out of Orange County, CA. They are a consulting group that claim to help consolidate and possibly eliminate one of my loans due to fraudulent practices to obtain  student loans. I am a little skeptical as I made one payment ( $265.00) via credit card and after that my credit card was hacked with numerous little charges on it. I can't really say it was them, as  it may have been a coincidence. Is there any other resource out there that may help me find out more information about this company?
Does anyone know anything about this consulting group?
United Aid Group
General Discussion / Fraudulent Parent Plus Loan
Last post by Peggy Jones - December 28, 2019, 05:49:06 am
My son went to Peabody on a 3/4 scholarship.  He took out student loans for the remainder needed over the scholarship.  For one semester I agreed to a Parent Plus loan in writing of $8900. On his 4th year, he was granted the Stafford bill from my husband to cover excess over the scholarship.   My credit report and notices from Fed Loans indicates I have Parent Plus loans in excess of $120,000 to Peabody Conservatory.

I have asked for an investigation by loan forgiveness but they have denied it.  I did not agree to the loans I am being charged with.  Not only that, but just doing the math, it doesn't add up.  I am being charged for his entire college attendance as if he were not awarded a 4 year scholarship (he graduated in 4 yrs).  Is there a class action suit or attorney that wants to take this case?
Student Loan Forgiveness / Re: Student Loan Forgiveness- ...
Last post by TheCollegeInvestor - December 22, 2019, 09:21:51 pm
Note: PSLF doesn't have to be consecutive. Just have to get to 120 payments.
Student Loan Forgiveness / Re: Student Loan Forgiveness- ...
Last post by gharold - December 22, 2019, 03:18:09 am
PSLF is based upon who you work for not the job that you do.
One of the key requirement for PSLF is 120 conseceutive student loan payment.
You mention medical career affiliation. Many states offer STEM PSLF programs with less restrictions.
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