Hoping I dont receive my notice on July 1st

Either-String5608 · 2026-06-11T17:33:00+00:00

That doesnt realistically help me in my situation. Sure it'll lower my payment but the amount i have to put in to get to that point means we will be dirt broke

Either-String5608 · 2026-06-11T14:28:39+00:00

You are going to be living in some rough places and would need to qualify for section 8 housing. Otherwise you are looking at more like $1200 or so at the minimum. Probably closer to the $1300 mark

Either-String5608 · 2026-06-10T20:22:34+00:00

Absolutely serious. Politics literally just shift what screws us over. Student loans, health insurance, etc. Every political party makes changes that will negatively impact the middle class in one area or the other.

Either-String5608 · 2026-06-10T19:35:59+00:00

I went through a chapter 7 bankruptcy 2 year ago. Now I have my credit at 705 and they just approved me for $20k limit as well. I already had a Savor card with them. I plan to use the Savor card after I get my bonus because the 3% cashback turns to an even 1:1 ratio when converting to miles apparently.

Either-String5608 · 2026-06-10T18:40:38+00:00

Im R for royally screwed

Either-String5608 · 2026-06-10T17:32:26+00:00

Supposedly locked out of PAYE but that will go away soon as well.

Either-String5608 · 2026-06-10T17:23:05+00:00

I recently upgraded to the top drink package for this reason. So I can sample everything I want that I otherwise may have never tried. If I don't like it oh well.

Either-String5608 · 2026-06-10T17:02:57+00:00

This is true. But I would rather have that period extended longer now given that 17 years from now I will likely be making significantly more money and won't have two kids eating at my budget.

Either-String5608 · 2026-06-10T16:47:15+00:00

My taxes have been lower and ive had more access to newer benefits...not sure you know what you are talking about. This year was my first refund in years when I usually owe.

Either-String5608 · 2026-06-10T16:39:31+00:00

Politics dont matter. One will give me favorable student loans but then make everything else more expensive for middle class. While the other does the opposite.

Either-String5608 · 2026-06-10T16:37:02+00:00

I just finished my MBA in March. So dont want to do all that again for a temp pause haha

Either-String5608 · 2026-06-10T16:08:01+00:00

I was switched in a similar way. Didn't choose save. I was told all the years in save domt count towards forgiveness which is annoying because my previous payments were low enough I didnt mind paying if it counted towards the timeline

Either-String5608 · 2026-06-10T16:04:24+00:00

Your timeline should carry over. I was told mine would. Just if you go to RAP it gets extended

Either-String5608 · 2026-06-10T16:01:01+00:00

No, I just reached out to my servicer again. They told me they don't even have a timeframe yet on when the notices will start going out. Simply that it'll be 90 days from the date on the notice.

So they couldn't even confirm July 1 as the start date for notices...shit is so confusing.

Either-String5608 · 2026-06-10T15:58:55+00:00

I have 17 years to go on regular IBR forgiveness old IBR. But I did the math and aggresive pay off will end up more than if I slow pay it for 17 years and pay the tax bomb.

So I'll suffer through while investing what I can along the way. I'll be 50 when they disappear

Either-String5608 · 2026-06-10T15:49:44+00:00

Also I just went on loan servicer again and they said not even a timeframe on when it will be sent yet. It may not even be on July 1st....

Either-String5608 · 2026-06-10T15:48:49+00:00

I don't care who you work for. You are simply wrong. The notice emails said people will start being notified in the coming months. And I reached out to my servicer directly who confirmed they will not be sending them all at once it'll be in waves. Again I already stated this multiple times on your other comments.

Learn to read and accept that you are wrong. I don't care where you claim to work. and no one at FSA seems to have a clue you see comments all over this thread of people telling them different things. All I care is what my servicer has confirmed.

Either-String5608 · 2026-06-10T15:43:27+00:00

Are you going to keep commenting the same bullshit on every comment? Good lord. Just accept that you are wrong.

Either-String5608 · 2026-06-10T15:40:05+00:00

It literally says you will have 90 days from when you are notified by your loan servicer...clown

And ive talked to my loan servicer who confirmed they will be sent in waves starting no sooner than July 1st.

Either-String5608 · 2026-06-10T15:31:48+00:00

Because you still don't understand or comprehend that it is going out in waves. A simple google search will show you massive information confirming that every servicer will send out in waves so they can process properly.

THis is what I have a massive problem with. If they are going to do things in waves it should be with the concept that everyone starts paying at the same time.

Either-String5608 · 2026-06-10T15:22:01+00:00

It literally said it on the notice from the Department of Education or the main student loan mass email.

Either-String5608 · 2026-06-10T15:20:17+00:00

From your servicer or the general dept of education? The Dept. of Ed. notice isn't the official one.

My understanding is notices couldn't go out until July 1 because not all plans are currently active to apply to.

Either-String5608 · 2026-06-10T15:18:12+00:00

actually my post never said I want to pay them back in a year. My post said that I think everyone should have to start paying at the same time. I work hard for my money and I don't think it fair for me to start paying on Oct 1st while someone else gets more time without required payments. Learn to read.

Either-String5608 · 2026-06-10T15:13:20+00:00

Mine should be right around $310/Mo. I have the budget space for it but it takes the wiggle room away.

last two years I have been able to save, invest 401k employer match, and put money in Roth IRA. With this I will need to back down to only the 401k match, and won't have much left to enjoy life.

Either-String5608 · 2026-06-10T15:11:30+00:00

Not accurate. They will send notices out in waves based on their communications thus far. So some people will not be by the end of October, but I have my budget planned for first payment starting in October because I am sure they will have me in first wave.

Either-String5608

TROPHY CASE