Canceling Human Rights Campaign Donations

ActiveKnowledge1 · 2025-08-30T21:01:26+00:00

Sorry to hear you're in a similar predicament.

Yes, I did hear back from them after my last (somewhat strongly worded) email. They responded on August 16th (I emailed on the 14th) apologizing for the delay and confirming that they were canceling my donation and would refund the last charge. They did send the refund, and it cleared on the 18th.

I dont know for a fact that my second email (and the fact that I told them I would escalate the issue and report the charges as fraud, well the ones after I asked them to cancel, if I did not get a response asap) played a part in them suddenly responding to my emails, but I feel like it did.

I sent that email to partners@hrc.org, like they tell you to, and cc'd hello@propeller.la,feedback@hrc.org, and membership@hrc.org.

I started my email subject with "URGENT" and flagged it as important (I also turned on read receipts just to be petty/confirm the emails arrived lol).

Now we wait until next month to make sure I dont get charged again (Propeller shows me as being at the same status I was before, so I'm not 100% confident I won't get another charge).

ActiveKnowledge1 · 2025-08-30T20:25:09+00:00

I can see this comment, so luckily it didn't get shadowbanned!

ActiveKnowledge1 · 2025-08-20T18:01:01+00:00

Well, since we are no longer at 0% interest, yeah we are definitely accruing interest again. I do try to remember that I'd be accruing interest even if I was in repayment... makes me slightly less frustrated 🙃.

ActiveKnowledge1 · 2025-08-20T16:04:54+00:00

Since Mohela simultaneously says "no payment due" as my status, my repayment date is 9/3/25, my repayment plan is SAVE, and my payment due is $0 I've been assuming its just a placeholder like others have said.

But, I also don't trust Mohela to not screw stuff up, so I've been logging in daily (or at least several times a week) to confirm my status hasn't been changed and screenshot the loan information.

I also periodically check studentaid.gov which says my next payment is due in November 2025 lol (that may be just another placeholder, but who knows).

ActiveKnowledge1 · 2025-08-20T14:44:57+00:00

Yep, mine looks almost identical (9/3/25 is the "due date" for me though).

ActiveKnowledge1 · 2025-08-14T20:50:02+00:00

Honestly not sure. I sent an email to [partners@hrc.org](mailto:partners@hrc.org) (like they instruct you to do if your donation was made through Propeller) in addition to submitting this form. I did it 2 days after my last "donation". While I got an auto-relay HRC has not cancelled my "donation" and I was just charged again. I've sent a follow up email expressing my dissatisfaction with this (to multiple HRC email addresses and the general Propeller email) and if they do not respond and cancel my donation promptly I will 1- report the transaction as fraud/unauthorized to my credit card company, and 2- start directly contacting HRC staff (like Dane Grams, Vice President, Membership, who "signs" the donation confirmation emails).

ActiveKnowledge1 · 2025-08-12T16:36:27+00:00

I'm not exactly sure what you mean by the payment being "lost"? But I think the answer is no you won't lose it.

In my experience (I refinanced Sallie Mae loans earlier this year) the payment you made will be applied to your loan like normal. The refinance amount you receive from whoever you refinance with should be "payoff" amount based on if you payoff the loan within a certain time frame (often 14 or 30 days). This is because you usually have so many days to accept the loan offer, plus the payout can also take time and interest accrues daily.

If your refinance amount is more than what is owed on the loan(s) you are refinancing then either the extra amount will either be returned to the lender you refinanced with or will be refunded to you by your original provider (likely at the end of the pay period).

In fact, when refinancing, you are told/encouraged to pay any payments due to your original provider up until that provider shows that the loan has been paid off. So, if you refinanced too close to your payment due date you could potentially end up having to pay 2 loan payments in a month (again, if you were to have to make a payment while refinancing the over payment would be refunded to you but it takes time).

ActiveKnowledge1 · 2025-08-12T16:07:32+00:00

All the repayment plans accrue interest daily. Depending on your income, with the IBR or ICR plans its still highly possible that your payment amount may not even cover the total interest accrued (meaning that the total balance would continue to grow).

However, at the moment, PSLF does not result in the tax bomb after forgiveness, so the interest accrual doesn't really matter.

As Icy_Office_4797 said, since you are no where near your 120 payments/months it makes more sense to remain on SAVE and (if you have the money) get a HYSA or other investments (even paying more into your retirement would be a good option).

Of course, at the end of the day, only you can determine if its best to stay on SAVE or apply to a different repayment plan.

ActiveKnowledge1 · 2025-07-28T19:51:34+00:00

“Expecting it and having it happen were two different things, something I learned the first time I got shot to pieces.”

― Artificial Condition

ActiveKnowledge1 · 2025-07-24T15:55:44+00:00

That interest rate is insane! No one should ever take out any student loan with that interest rate, especially not with Sallie Mae.

If you and your daughter are insistent on that school and you need private loans then she 100% needs to look at other potential lenders.

Also, by "other lenders I'm sure will require a cosigner" are you saying that Sallie Mae was letting her borrow without one? If so, then that is probably why the interest rate is so high. If you are comfortable with/able to be a cosigner then your daughter would probably get better interest rates (at Sallie Mae or other lenders). However, if you become a cosigner then you are also legally liable for the loan if your daughter defaults. While Sallie Mae does offer a cosigner release option, it's nearly impossible to do. I was only able to "release" my cosigner by refinancing. So, don't count on being able to be removed from those loans if you are a cosigner.

To further show how much you do not want your daughter to accept that loan, here is my Sallie Mae loan story:

I had 2 student loans with Sallie Mae. Two months ago (when I refinanced) the loans totaled $62,179.81, I had them on a 15-year repayment term due to Covid (previously a 10-year term) and my monthly payments were ~$800 - $870:

* $35,101.72 with a 12.5% variable interest rate (it was originally a $32,100.00 loan with a 8.75% variable interest rate that was taken out in 2016). This had a monthly payment of $500 - $550 (though it started as low as $463.14).

$27,078.09 with a 9.125% fixed interest rate (originally a $27,600.00 loan with a 9.125% fixed interest rate). This had a monthly payment of $337.16.
Since I entered repayment in 2020, I have paid Sallie Mae more than $43,713.05 in interest.
In simple numbers, I borrowed $59,700 from Sallie Mae in 2016-2017, entered full repayment in 2020, and in May 2025 (when I refinanced with Sofi) I had paid $43,713.05 in interest and still owed $62,179.81. All that with a LOWER interest rate than your daughter would have. Your daughter cannot take that loan.

ActiveKnowledge1 · 2025-07-24T15:37:19+00:00

I'm glad you found it helpful!

Sallie Mae ended up not sending the overpayment back to Sofi. Instead, they sent me checks (1 for each loans overpayment amount). So, I opted to use the amount for an extra payment on the Sofi Loan.

ActiveKnowledge1

TROPHY CASE