Tag Archives: student loans

Student Loans – What can I do? Can I do anything other than drowned?

WHERE DO I START?

The first thing you have to do is determine what type of loans you have and whether they are federal or private student loans or a combination of both. For federal student loans you can look at this website and retrieve your information.  You can find out how much you owe, the status of your loans and the types of federal loans that you owe.

https://www.nslds.ed.gov/nslds_SA/    https://studentaid.ed.gov/?login=true

Here is how to contact various federal loan servicers.

Loan Servicers

Aspire              cornerstone                 Direct               Edu                  Fed Loan         FFELP

Great Lakes                 GSMR              Heal                 Mohela             Navient

To find out what private student loans you owe pull your credit report. Go to https://www.credit.com/free-credit-score/

REPAYMENT WHERE DO I START?

How do I manage to repay my student loans?

Repayment plans                                 Calculators                   CALCULATOR          credit repair

You can go here for IBR/Pay as you earn/ ICR repayment plan requests and direct consolidation loan applications.

Cancellation discharge             teacher                        public service               disability           disability

consolidate                  Default             Deferment                   Forebearance              Poverty

Forgiveness                 IBR                  ICR                  STANDARD LOAN REPAYMENT PLANS

EXTENDED LOAN REPAYMENT PLANS                    INCOME DRIVEN PLANS

INCOME DRIVEN REPAYMENT PLANS                     Bankruptcy is this an option? I have only been able to discharge student loans once in 20 years of filing bankruptcy for folks. It’s hard to do but I have helped a lot of debtors get relief through IBR and so forth.

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Loan Servicers

Aspire              cornerstone                 Direct               Edu                  Fed Loan

Great Lakes                 GSMR              Heal                 Mohela             Navient

nelnet              OSLA               Perkins                        VSAC

scholarship search                   grant                Financial Aid Scams               FAFSA

What if I have been scammed?

Call your lender                      scams               Don’t pay for help to get money

FTC                 identity theft               credit and debt                        credit repair scams

 

Basics ( will add to this later)

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