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I just graduated this December and have a loan total a bit under $30,000. I tried consolidating with All Student Loan, only to receive a letter stating my in-school loans at the time could not be included. Should I try consolidating with the North Texas Higher Education company you mentioned? I don't know what my loan status is as of now, and I haven't received any paperwork requesting payments so I don't know when or how much I need to start forking over. Is it possible they won't come calling until May? To add to this, I have a mix of Stafford unsubsidized and private loans through my school. Where can I find out how much I owe to each loan office?
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Dec 31, 2006 22:52
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| # ¿ May 5, 2024 04:25 |
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Wiggy Marie posted:Blackjack: Yes, consolidate with NTHEA if at all possible. That's a blanket recommendation, and it definitely applies to you, too. It has them listed as deferred. I probably won't have a job until the end of the month, so would it be better for me to wait until I can begin payments, then ask the school to send notification, then consolidate? Also, my private school loans don't appear on my credit report. They were done through the institution I attended, so is this typical? Thank you both, lewisje and Wiggy. I'm a bit  when it comes to my loans.
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Dec 31, 2006 23:24
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With the recent cut in interest rates, how do you think the rates for student loans will change? If I remember correctly, they aren't usually revised until the summer.
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Jan 24, 2008 06:50
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What's the best way to ascertain whether Income Based Repayment, Pay As You Earn, or Income-Contingent Repayment is best for me? I've got zero income at the moment while I prepare to move overseas for work, which is probably a 6 month process. After that, my income will probably stay pretty freaking small for at least 2 years? I'm carrying $34,000 worth of eligible loans, and $13,000 institutional, which I don't think I have any options for. Also, since these loans have a couple of years of repayment already into them with deferments and such as well, does that count against the 20 or 25 year loan period, or am I starting from square one as of applying for IBR, PAYE or ICR?
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Oct 29, 2014 22:22
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MJBuddy posted:You start from square one, but your current plan doesn't carry any of the payments forward either. I think I'll qualify pretty handily for that. Thank you. 
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Oct 30, 2014 02:56
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