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How to eliminate Student Assistance Corp. from my life?

I do not have any student loans with Nelnet. And yet, I receive telephone calls from the Student Assistance Corporation (evil wrongdoers, as supported on the internet) several times a week. Help me make it stop! [more inside]
posted by miss tea on Jul 24, 2014 - 13 answers

How can I pay down just my unsubsidized student loan?

I have two loans, one subsidized one unsubsidized federal student loans with AES. AES will only allow me direct my payment to both loans in total: they will not allow me to specify what percentage of my payment goes to each loan. How can I fix this? [more inside]
posted by MisantropicPainforest on Jul 18, 2014 - 18 answers

Student Loan default for the second time

I'm 38 and I graduated in 1997. I've defaulted on my student loans twice. Maybe three times? They're direct student loans. I consolidated my loans in circa 2001 and paid on them responsibly for maybe 10 years. I think I messed up again about a year ago and rehabilitated them and got out of default. But now I've failed on that rehabilitation and my loans have been sent to a recovery agency. [more inside]
posted by dchrssyr on Mar 18, 2014 - 8 answers

Student loan lawyer in Phoenix, Arizona?

I've got an unusual set of circumstances involving student loan debt... could really use the advice of a lawyer. Anyone know a good student loan lawyer in the greater PHX metro area?
posted by ph00dz on Mar 4, 2014 - 1 answer

Student loan income % payoff

(USA) I heard something about student loan payoffs based on a % of your income,and after 12 (?) years anything left is forgiven. Is this real and how would one get this? [more inside]
posted by Jacen on Feb 15, 2014 - 5 answers

How can I increase income to pay student loan debt?

I have $85k in student loan debt, and need to increase my income so I can pay it off. I need a bigger spoon to eat this elephant. Fishing for ideas. [more inside]
posted by mannermode on Dec 22, 2013 - 13 answers

Explain student loans to a twentysomething!

I'm trying to figure out how federal student loans have changed in the past 5 years, including the Bipartisan Student Loan Certainty Act of 2013. [more inside]
posted by annabellee on Dec 20, 2013 - 3 answers

Student loans sent to collections after no contact?

My friend thought the money she owed a university was being taken care of by her current payments. This weekend someone in her family gets a call from debt collectors. Apparently the financial aid office has been sitting on a lump of debt for a full year, but has only attempted to contact her during that time at a single email address, her old school one. They never sent any letters to her home address, nor called her at the number she's had for years. Now instead of setting up a payment plan she'll have to negotiate with a predatory collections agency. Is there any way out of this mess? [more inside]
posted by BlackLeotardFront on Oct 15, 2013 - 16 answers

How should I be saving for retirement?

As a lower income person, I feel like my retirement planning should be simple, but it still fills me with anxiety and uncertainty. Tell me what, if anything, I should be doing differently. [more inside]
posted by anonymous on Oct 14, 2013 - 16 answers

To Grad School or to Not to Grad School?

I can't afford to go to graduate school. I also can't afford not to go to graduate school. tl;dr galore inside. [more inside]
posted by anonymous on Oct 3, 2013 - 20 answers

Federal Direct Loan repayment & the IRS

What are the potential consequences or complications of paying off your student loans all at once, "in cash"? [more inside]
posted by désoeuvrée on Oct 2, 2013 - 10 answers

How bad are these debt problems?

YANM financial advisor. My domestic partner has a large student loan that has been in default for years. Like many in the current economy, he was unable to make payments for many years after graduating (at least 5) due to lack of steady income. Now he has a Good Job (yay!) and could afford to make payments, but it's been almost 2 years now and he hasn't made progress on dealing with the debt. How bad is this? [more inside]
posted by anonymous on Aug 21, 2013 - 4 answers

Future mapping -- what do I do about school.

I'm 29 and finally ready to attend college for the first time. A year ago, I fixated on a program (up-and-coming) and a school (local, private, VERY well-regarded). Since last August I've been admitted, laid off, rejected for loans, hired, rejected for *more* loans. Last week I came to terms with not attending this September. Today I was unexpectedly approved for more aid that will almost cover my tuition (but none of my living expenses). Orientation starts in two weeks. [more inside]
posted by itesser on Aug 19, 2013 - 14 answers

Using student loans to pay credit card debt, grad school edition

My partner and I have about $8k in credit card debt, built up over the last 10 years of undergrad followed by underemployment. I'm starting graduate school in the fall, with a fully-funded research assistant position and tuition waivers. I am thinking about borrowing ~$10k of the federal direct student loans I've been offered in order to pay down the credit card debt. What should I be considering? [more inside]
posted by anonymous on Jul 30, 2013 - 13 answers

How to stop a collection agency from calling on a loan it doesn't own?

My girlfriend is continually being called by a collection agency, NCO Financial, on a student loan that we don't think they actually have the rights to collect on. How can we get them to stop attempting to do so? [more inside]
posted by Carillon on Jul 26, 2013 - 12 answers

Plan B/In the Meantime career advice

I wasn't selected for military officer training school. Help me design my Plan B/In the Meantime career while I apply again. [more inside]
posted by mannermode on Jun 16, 2013 - 9 answers

Combining married finances - is it wrong to want to pay my own debt off?

So, I feel like a weirdo because I've discovered that though my husband and I, who are recently married, still keep many of our finances separate, most other couples combine everything. Friends who I've discussed this with think it's strange that I am paying off my own student loans instead of it coming out of both our incomes. I think combining everything is a little strange and uncomfortable, and I feel like I should be responsible for my own debt. Are we going about things completely the wrong way? [more inside]
posted by emily37 on Jun 11, 2013 - 69 answers

How can I pay for my summer class?

I need to take a summer course as a pre-requisite for professional school. Course will not count towards a degree, deeming me ineligible for stafford loans. What are my student/personal loan options? [more inside]
posted by DayTripper on May 6, 2013 - 7 answers

Student loan woes

My ex-fiance co-signed a student loan for me. He understandably wants out. Other than taking out another personal loan with a much higher APR, do I have any other options for paying off the remainder of the loan? [more inside]
posted by pintapicasso on Mar 24, 2013 - 25 answers

How is interest that is calculated daily accrued on large loans?

Making student loan payments stirred this question. I am trying to figure out a few things, specifically surrounding 3-day loan payoffs, payments that are scheduled but not withdrawn immediately, and interest that accrues in the meantime. [more inside]
posted by occidental on Feb 28, 2013 - 7 answers

My new student loan servicer is boggling my mind

My loans were recently transferred from Direct Loans (the government) to a private servicer (VSAC). I am almost sure that someone somewhere made an error, because my new bills are blowing my mind. I was silly enough to throw away my old payment receipts. Who do I call to get my old records of payments and to make sure the new people aren't messing up my account? [more inside]
posted by mermily on Feb 4, 2013 - 9 answers

Debt-free or bust: maybe I wanna bust

I currently have a high paying desk job, but want to live free and make art. Should I save my money or aggressively pay down my student loans? [more inside]
posted by Miss T.Horn on Jan 23, 2013 - 14 answers

How can I find debt counselling for my student loan debt?

How can I find debt counselling for my student loan debt? I've heard of debt counselling for other kinds of debt. I'm looking for someone who knows the ins and outs of the byzantine student loan bureaucracy in Canada. [more inside]
posted by fullerenedream on Jan 6, 2013 - 4 answers

My sister co-signed a student loan. The debtor won't pay anything, and she has now been paying $200/mo for five years. Does she have any recourse?

Ten years ago, my younger sister, at age 18.5, co-signed her then-boyfriend's student loan. He defaulted almost immediately. The creditors were after her for years, threatened wage garnishment, she negotiated with them and finally started paying them five years ago. She has now paid it down to 30k. The $200/month payment for her ex's student loans is a pretty significant fraction of her income. Is there anything that she can do legally or is she just stuck with the debt? She recognizes what she did was dumb, and that she is legally responsible for what she did. [more inside]
posted by anonymous on Jan 5, 2013 - 31 answers

What is on my roadmap for a Top 20 MBA program? And how do people pay?

What is on my roadmap for a Top 20 MBA program? And how do people pay? [more inside]
posted by jander03 on Nov 27, 2012 - 16 answers

Will slowing down my loan payments help my credit?

The only loans I have are student loans, which I'm working hard to pay off. Would it be better for my credit score if I stopped paying them down when they reach $5.00 and then just pay interest from then on? [more inside]
posted by brenton on Nov 9, 2012 - 18 answers

Help us wrap our college-educated minds around our student loans.

Please school me on student loan debt consolidation. [more inside]
posted by furnace.heart on Sep 19, 2012 - 3 answers

Waiting for short sale approval - time to clean up finances?

Already pre-approved for the amount I offered on a short sale. Is it okay to work on finances while I wait for short sale approval? [more inside]
posted by ginagina on Sep 8, 2012 - 1 answer

What's my loan payoff strategy?

I need some help with student loans. I took loans out in 2008 and 2009. Two subsidized and two unsubsidized. Now I'm on half-time school deferment and I'd like to take advantage of this! [more inside]
posted by your mom's a sock puppet on Aug 27, 2012 - 4 answers

Stand and deliver! Your Money or Your Wife('s)!

Should I pay off my wife's student loans? Should we file our taxes jointly? 60K in student debt! [more inside]
posted by anonymous on Aug 25, 2012 - 7 answers

20 years ago I stuck it to the man. Now what?

How do I go about repaying 20+ year-old student loan debt? [more inside]
posted by anonymous on Jun 3, 2012 - 18 answers

Should I continue on this debt repayment plan with a 4th party?

I defaulted on my student loan and entered into an agreement with a third-party debt collector to repay. That loan has now been "transferred" to another agency that seems to be pretty sleazy, although I've been assured by my original lender that this new company will honor the terms of the agreement I had with the first collection agency. Is this my best option, or should I be doing something else? [more inside]
posted by anonymous on May 8, 2012 - 4 answers

My fiancee and I are buying a house in the next few months, and could use some advice.

My fiancee and I are buying a house in the next few months. We're looking for some financial guidance regarding some tricky judgement calls I have to make in short order. Thanks for any help! [more inside]
posted by amcm on Apr 30, 2012 - 29 answers

Good idea? Huge mistake?

I've been accepted to a PHD program at the University of Maryland's iSchool, and will likely be researching social media and social gaming for my dissertation. I'm excited, love the program, and can't wait to start publishing work as part of the academic community, however recent discussion on Metafilter, and a smaller living stipend than I expected, have me second guessing what I thought was a great opportunity. Details inside... [more inside]
posted by codacorolla on Apr 6, 2012 - 13 answers

Is it okay to defer?

If I take a economic hardship deferment for my federal student loans, will that make it harder for me to get student loans in the future? [more inside]
posted by overglow on Mar 27, 2012 - 5 answers

I have student loans ... in someone else's name.

I have student loans in my ex's name. Can I buy them back into my name, and how? [more inside]
posted by fracas on Feb 1, 2012 - 4 answers

Debt-free's the way to be

I'm trying to get serious about paying down my student loans and car loans, but I'm not quite sure where to start. [more inside]
posted by chara on Jan 18, 2012 - 17 answers

I have money now, how do I know it's going to the right place?

How can find a trustworthy assessment of my debt? [more inside]
posted by anonymous on Nov 28, 2011 - 3 answers

Will Obama's student loan plan affect student loans that have already been consolidated?

Would the president's Pay As You Earn initiative affect student loans that have already been consolidated? Where can I find out more?
posted by jwhite1979 on Oct 25, 2011 - 3 answers

"But you've already done a first year."

[UK-specific] With the Student Loans Company claiming he's not eligible for his first year of university funding, how can my friend appeal his case before the start of the coming academic year? [more inside]
posted by henryaj on Aug 18, 2011 - 5 answers

Not sure how I'm going to get to school, please help.

I need to find student loans in order to go back to college in September, but my parents have terrible credit and I can't find an alternative cosigner. I don't know what to do. [more inside]
posted by JimBennett on Jul 11, 2011 - 10 answers

Entitled "Generation Y" . . .

Lines of work for an inexperienced but educated worker, with a high "entry level" wage? [more inside]
posted by cac on Jun 21, 2011 - 29 answers

Pile O'Debt

My husband is about to graduate from grad. school, and I need some advice about strategies for repaying our loans. [more inside]
posted by anonymous on May 29, 2011 - 12 answers

If they can't forgive me my decision to pursue postgraduate education in the humanities...

Are BC and/or Canada Student Loans ever forgiven? [more inside]
posted by anonymous on May 26, 2011 - 3 answers

Student Loans for Foreigners in China?

I'm from the US and I've gotten into a degree seeking program at a university in China. Student loans from the US, whether private or otherwise, are not available. Does anyone know how to get loans for studying in China as a foreign citizen? [more inside]
posted by ignorantguru on May 15, 2011 - 4 answers

Student loans or retirement account?

Should I take money out of a tax-deferred retirement account to pay for graduate school? [more inside]
posted by dixiecupdrinking on May 2, 2011 - 10 answers

Student loan hacks

Student loan hacks? Going to grad school (MBA) this fall most likely, and will be taking out loans for tuition and some living expenses. Any pro-tips or tricks of the trade for doing this most effectively? Also anything I should be aware of so that I don't screw myself over in the future?
posted by AceRock on Feb 10, 2011 - 13 answers

How can I acquire a student loan when my school does not offer any help or participation with them?

Where can I find a loan with deferred payments? [more inside]
posted by isopropyl on Jan 21, 2011 - 3 answers

Student loan surprise!

Suddenly my loans are being serviced by nelnet even though I consolidated with the Department of Education. I have been able to vaguely gather that this was enacted along with the new student loan provisions, presumably to not completely drive companies like nelnet and sallie mae out of business. I have a few questions related to this which I have not been able to solve in my research. The first is, what is the specific act and section that this fell under? (More inside)... [more inside]
posted by anonymous on Jan 9, 2011 - 1 answer

Can you spare some guidance for the hopelessly financially ignorant?

Is it worth consolidating my student loans, and if so, how do I go about doing it effectively? [more inside]
posted by DeusExMegana on Nov 5, 2010 - 9 answers

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