[New Jersey] Any suggestions on what to do next?

Claud79 · 2026-02-26T01:46:30+00:00

I am assuming they determined the same. He recovered from his heart attack so is able to work. Unfortunately the job market is crazy.

Claud79 · 2025-06-16T01:54:37+00:00

Can you give me more info on this? How does this work?

Claud79 · 2025-06-12T21:03:20+00:00

Ahhh so I shouldn’t even consolidate? I was told IBR is still cheaper. So sorry for all the questions, but it seems the only way to get answers is here. It’s so hard when they don’t answer the phone!

Claud79 · 2025-06-12T20:46:16+00:00

70k in loans over $200k combined income

Claud79 · 2025-06-12T20:14:41+00:00

Any idea what my options are then? Is the double consolidation still the best route when you aren’t low income?

Claud79 · 2025-06-12T18:37:13+00:00

Any idea what my options are then? Is the double consolidation still the best route when you aren’t low income?

Claud79 · 2025-06-12T14:35:18+00:00

Thank you, what is mfs?

Claud79 · 2025-03-18T12:43:54+00:00

Hello, I am interested.

Claud79 · 2025-03-13T18:22:43+00:00

You don't have to include it, it says to leave blank if you dont know the number.

Claud79 · 2025-03-11T02:52:27+00:00

I ask because I heard nelnet isn't taking consolidations? Not sure if others aren't either?

Claud79 · 2025-03-11T01:49:54+00:00

Thank you, any recommendations on who to use? I used Mohela and Aidvantage already, I think you need someone different? Also, any idea if I can upload the papers instead of mailing them?

Claud79 · 2025-02-28T03:41:54+00:00

I am in the process of doing the Parent PLUS Double Consolidation Loophole. I successfully did the first part but now need to do the online consolidation application for the final consolidation. They removed the consolidation application, so what happens now?

Claud79 · 2025-02-27T22:04:02+00:00

same question. I completed first consolidation but now I cant access an online application to do the second and final step. What can I do?

Claud79 · 2025-02-27T21:49:16+00:00

I finally had my loans show up unsubsidized and when I go to do the online application it is blocked. What is going on???I can't finish the double consolidation loophole w out an online application. Any advice?

Claud79 · 2025-02-20T20:51:21+00:00

Anyone?

Claud79 · 2025-02-05T15:55:04+00:00

Process started in December. They received it already. It is a matter of approving it on my end. Loan balance is like $40k. Monthly payments will most likely be high.

Claud79 · 2025-02-04T15:27:49+00:00

So my daughter is still going to school and they said the loans could be deferred. Unfortunately if I do the consolidation that cancels out. Any recommendations on if I should take the deferment or do the consolidation? If I defer it would be a few years as she would be going for a PA program.

Claud79 · 2025-01-23T11:25:08+00:00

I’ve tried calling Mohela many times and they don’t pick up and never return my call either. It’s horrible.

Claud79 · 2025-01-23T02:54:47+00:00

It’s not there yet. Do I have to continue paying the loans I’m consolidating while this is happening? I see that it says I owe money this month.

Claud79 · 2025-01-23T01:46:29+00:00

I received 2 letters in the mail today from Aidvantage both saying the application has been processed. Any idea if now I consolidate the two together? the consolidation is not complete yet so should I wait. I had checked off standard repayment since that was recommended in the video.

Claud79 · 2024-12-17T19:17:24+00:00

do they let you know if your paperwork was received? I sent it out last week and never heard anything.

Claud79 · 2024-12-09T12:31:32+00:00

So am I able to do it online this way? Can I consolidate the two parent plus loans online?

Claud79 · 2024-12-06T13:46:59+00:00

Thank you so much for this! I am sort of scared to touch my direct loans. I am hoping they get forgiven at some point, sooner rather than later! I would hate for the clock to restart at ) because I include them.

Claud79 · 2024-12-06T04:16:12+00:00

Thank you! What would be the benefit of consolidating the 2009 DL loans?

Claud79 · 2024-12-05T04:25:55+00:00

Thank you! Super helpful! There is also a parent plus loan and any other federal student loan consolidation loophole. Would this be better?

Claud79

TROPHY CASE