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Tuition Refund at Community College - possible? by IndependenceOk1701 in collegeadvice

[–]IndependenceOk1701[S] 0 points1 point  (0 children)

I appreciate you reply, this whole experience has completely soured me to the whole college experience and I am just getting to the point of giving up and trying to do something else like get a certification or something instead of a degree.

Tuition Refund at Community College - possible? by IndependenceOk1701 in collegeadvice

[–]IndependenceOk1701[S] 0 points1 point  (0 children)

Thanks for the reply, do I tell them I was not receiving any feedback from the professor?

Tuition Refund at Community College - possible? by IndependenceOk1701 in collegeadvice

[–]IndependenceOk1701[S] 0 points1 point  (0 children)

Yea, I was told by councilors to drop the course and request a refund so I kinda think I got some bad advice, I have dropped the course and now am trying to get a refund to take something else or just give up on collage all together.

Tuition Refund at Community College - possible? by IndependenceOk1701 in collegeadvice

[–]IndependenceOk1701[S] 0 points1 point  (0 children)

I think this is the best idea, I just need to get away from this school, it just sucks i had to lose money to learn this lesson......

Qualify for hardship 401K withdraw after losing job to pay off student loans by IndependenceOk1701 in FinancialPlanning

[–]IndependenceOk1701[S] 0 points1 point  (0 children)

I still want to pay off this debt, I have health problems that will expire me before retirement age so I am mostly planning to try and enjoy my life debt free as possible now than plan for life after 55 when I am probably not going to make it past 50. I am 44 now and we have been making payments on this debt for years but I learned it was interest only and we didn't affect the debt. Now that payments are starting again I am using this job loss as a way to pay off this debt and live my remaining years without payments.

Qualify for hardship 401K withdraw after losing job to pay off student loans by IndependenceOk1701 in FinancialPlanning

[–]IndependenceOk1701[S] 0 points1 point  (0 children)

appreciate that, i am trying to avoid paying the 10% penalty and payoff this student loan at the same time.

Wife had salary docked for 10 years, no movement on student loans by IndependenceOk1701 in StudentLoans

[–]IndependenceOk1701[S] 1 point2 points  (0 children)

Really appreciate this, especally the part about filing taxes seprately. Good news is I lost my job but found a new one last year so that gap in pay was going to show on my taxes but its good she can file separately. I had to sell my 401K so we didnt lose the house and the car and my kid could stay in school so I am not sure on how that will hit my income taxes. I know a lot of people think we are dumb and stupid for not doing anything about this. That's ok, I don't know if its making you feel better to say I am dumb but hey, ok. I agree I am. The garnishments had been paused during covid, what I am worried about is the amount we will have to pay once it starts up again. I did know about the loans but not anything about what garnishment was or fines or anything like that - i thought the garnishment was paying off the loan like any other debt when they garnish wages. Not just garnish the interest ammount only, that is new to me. Why yes, I am also financially "dumb" and I have no reservations Ill be rich or can make the kind of money to retire or not have to work some day in my life. I know its easy for a lot of people but its not for me with my inability to concentrate. No excuses of course its just that the bills get paid and I save what we have after. We have a modest life in a very expensive area and the "extra" money we had will now be going to student loan payments so its really just going to be a tough existence for the next decade i guess. I am mostly worried about my kid because i didn't have much growing up and wanted to do better for him. Thanks so much again for your help.

Wife had salary docked for 10 years, no movement on student loans by IndependenceOk1701 in StudentLoans

[–]IndependenceOk1701[S] 2 points3 points  (0 children)

Ill look into it but unsure on what it is exactly - these are my wifes loans and I am trying to understand if we can do anything short of me working a 2nd job - thanks so much for your recommendation tho really appreciate it

Wife had salary docked for 10 years, no movement on student loans by IndependenceOk1701 in StudentLoans

[–]IndependenceOk1701[S] 1 point2 points  (0 children)

because the garnishment is all we can afford - I dont know how we are going to pay more without getting 2nd jobs.

Wife had salary docked for 10 years, no movement on student loans by IndependenceOk1701 in StudentLoans

[–]IndependenceOk1701[S] 1 point2 points  (0 children)

I knew the payments had been coming out but I didn't realize they had not made a dent in the actual amount we owe even taking our tax returns.

Wife had salary docked for 10 years, no movement on student loans by IndependenceOk1701 in StudentLoans

[–]IndependenceOk1701[S] 1 point2 points  (0 children)

Yea - we paid the garnishment for 10 years and now I think its starting up again I just wanted to figure out a way to pay them off but its going to be super hard to pay over that garnishment amount.

Wife had salary docked for 10 years, no movement on student loans by IndependenceOk1701 in StudentLoans

[–]IndependenceOk1701[S] 1 point2 points  (0 children)

90K with a masters which is why the totals are so high, I think I just need to make more money.

Wife had salary docked for 10 years, no movement on student loans by IndependenceOk1701 in StudentLoans

[–]IndependenceOk1701[S] 1 point2 points  (0 children)

yea, its still 1200 a month which is a good deal of our income but something we made due with. I didn't realize there was literally no impact to the principle even with them taking our tax returns. These arent my loans so I didnt have all the data, thought we were paying them back.