I have significant amount of loans. I applied for a repayment plan and was told I did not qualify for Paye because I had loans before 2007 so I was out on REPaye. My partner and I are now thinking of getting married (so I can get his medical insurance benefits) but I just read that under REPaye they always look at your joint income even if you’re married filing separate. Can I change my payment plan to IBR so only my AGI would be taken into consideration? I’ve only made 6 qualifying thus far. Also, would IBR increase or decrease my current payment? I’m hoping the repayment plans are not permanent. We are also speaking to our tax person to see what specific pros/cons us potentially getting married will have on our financial situation. I know they are several cons so we are weighing out our options of getting married now or until I’m down with PSLF. -Thank you
To request technical assistance while you are signed in and completing the Federal Direct Consolidation Loan Application and Promissory Note online, select the “Contact Us” tab in the top menu bar of StudentLoans.gov. From there, you can either complete and submit the feedback form or select “Additional Information” and contact the Student Loan Support Center at the phone number provided.
In the year of 1999-2003 i went to school for my A.S.degree in Nursing, after finishing the pre-requisites you have to apply for the program, i applied and i was not accepted. I then realized that i was stuck with student loans. In 2011 i was accepted into another University and finally got in the Nursing Program. In the 3rd semester of being in the program i was released because of Academic issues. I had 3 family deaths in one year and broke my finger within the same time frame. The school believes that if you get more than 2 C’s you are automatically released from the program. I am now further in debt with student loans and of course no degree. I am truly devastated and really need some help, what do i need to do, anyone please.
Next, you can choose what type of interest rate you want when you refinance. Variable-rate student loans can cost you less to start, but there’s the possibility that the interest rate goes up later. As a general rule, a variable-rate loan works well when you only need a couple years to pay off the balance, but you may also want to read more about choosing between fixed and variable student loan refinancing.
I had a 47,000 student loan from 1997. In 2008 I was a substitute teacher and was not able to get any kind of loan adjustments to save my home. I have since stayed with various relatives and today I received a letter from a debt collector stating that the loan has been turned over to them. The last time I moved I was able to get work as a substitute teacher again. School has just begun so I am not working yet. The letter says that I now owe almost 90,000. $40,000 has been added to my loan. What should I do and do I qualify for any kind of loan forgiveness. How is it different since, it has been turned over to a debt collector.