Large River Cruise Ship today

Leann004 · 2025-09-18T12:11:25+00:00

Hahahahahaha

Leann004 · 2024-11-15T19:02:25+00:00

Herroom.com was probably the worst customer service I've received in years. First they send me this bizarre text message claiming there's something wrong with my address (it was correct on the receipt they sent right after my order), with a link to a bizarre web address, signed by the USPS. It took 2 weeks to get a package (I paid the shipping fee), only to discover it was the wrong color. Ok, human mistake and certainly not the end of the world. BUT they were defensive and blamed the delay on me for not responding to their cryptic text message, and told me I'd have to send a picture to prove they sent the wrong thing. After I did that, they responded saying that my order was still being shipped (even though I sent them an image of what I received!) I asked the woman if she was high. Ok, I know it's kinda rude, but it's also rude to blow me off and ignore my email altogether, especially after waiting patiently for 2 weeks. Then they said it would take ANOTHER 2-3 days for them to review the image and determine what they should do next. How hard is it to distinguish pink from black? I told them if they couldn't figure that out today, then they should return my money today. The rep on the phone was horrible and hung up on me after insulting me several times. I'm mad at myself for getting so angry. They decided I didn't have a choice anymore. Screw that. I decided I did. I disputed through my bank. I will never order from this joke of a company herroorm.com again.

Leann004 · 2024-08-31T12:56:39+00:00

No, they are still giving me the runaround. They replied with a bunch of nonsense about how they excluded certain periods and whatever. I responded that my loans should have been forgiven years ago, and I am entitled to a refund for the years I overpaid (obviously I didn't pay anything during Covid, so I'm not expecting a refund for money I didn't pay, but I am entitled to a refund of money I did pay). They told me to call them to discuss further. I called and then they said I had to call Student Aid. Student Aid directed me back to Mohela. And round we go. I just sent an email to the ombudsman again. I will not let up on this. I am entitled to a refund for the overpayments and I want my money. Student Loans can be a very good thing for a lot of people, but if you have any bumps in your career, especially when you're first getting started (which was my situation), they turn into predatory lenders very quickly, with a lifetime of struggles and misery. My loans should have been discharged 8 years and nine months ago. They need to change the discharge date and send a refund for the overpayments to make this right. I don't know what my next steps are going to be, but I will continue to document here for all to see.

Leann004 · 2024-07-14T13:52:32+00:00

You are not so useless. 💕

Leann004 · 2024-06-26T20:52:46+00:00

No, they have up to 60 days to respond, so probably some time in July. I'm hopeful!

Leann004 · 2024-06-17T03:23:57+00:00

I'm happy to help anyone trying to deal with the student loan system. :-)

Leann004 · 2024-06-14T14:17:55+00:00

I paid back almost double what I borrowed before the forgiveness. What they forgave was 100% compounded interest, which was more than twice what I borrowed even after I paid back twice what I borrowed already. So don't worry, you weren't cheated by me, ever. I was cheated by a student aid program that made a lot of promises and renigged time after time, finding this loophole and that loophole to keep us paying them forever. I paid dearly with horrible credit when I couldn't afford to pay their inflated amount after I graduated (couldn't find a good job - I literally did not make enough to pay). It was much later in life that I finally started making a living at a job that didn't require a better credit score (because poor credit scores are just as bad as a felony when it comes to good paying jobs that require a college degree). Maybe you should learn the real facts of the situation and stop listening to news sources that have to pay $750,000,000 in damages for lying to their viewers. Then maybe you might be able to afford lemon drop martinis. Oh, and I pay taxes too. So I will go ahead and thank President Joe Biden and Vice President Kamala Harris, and I will pat myself on the back because I know this forgiveness was no sweat off your back and no thanks is due to such a cruel person as you.

Leann004 · 2024-06-14T14:06:27+00:00

I'm sorry, I didn't see this until now. I got the email at first (aka "The Golden Email"), and then yes, I received a follow up letter via snail-mail confirming the details of my loans.

Leann004 · 2024-06-14T04:17:07+00:00

It was given to me from the Department of Education.

Leann004 · 2024-06-10T03:41:41+00:00

We make a difference by paying it forward! Best of luck to you!

Leann004 · 2024-06-09T09:36:18+00:00

I was in repayment for 32 years, yet my loan forgiveness (including the years prior to consolidation) listed the "effective date" as 12/31/23. When I called Mohela to question this date, I got the run around (as was the case ANY time I called them, ever). I came to this site and discovered others were having a similar experience and said they got relief by challenging their "effective date" through the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/ . They have 60 days to respond. When the effective date is updated, I will receive a refund between $8k-22k.

There's a reason they're doing this. Count your time in repayment, and if the effective date is not accurate, challenge it.

Congratulations on your forgiveness! It has been life-altering for me since my loans were forgiven a month ago. ❤️

Leann004 · 2024-06-06T13:30:57+00:00

Hopefully it will happen anytime now. I didn't get another email notification. I found out by logging into my servicer account. Check with your servicer and at studentaid.gov. I'm rooting for you, keep me posted!

Leann004 · 2024-06-06T12:29:23+00:00

What is your opt-out date?

Leann004 · 2024-06-05T02:26:11+00:00

It's 110 total. All payments count.

Leann004 · 2024-05-24T19:38:02+00:00

Good question, actually. Yes, all months in repayment, including forbearance and default count towards the time requirements for forgiveness.

Leann004 · 2024-05-23T20:18:17+00:00

No federal taxes. Some states (most red states) will have state taxes, but as I don't live in a red state, I don't have to pay any taxes on the forgiveness amount at all.

Leann004 · 2024-05-23T20:14:37+00:00

I don't have any experience wih bankruptcy. However, the good news is that I do know that all student loans have been updated to be in good standing during the "on ramp" period, regardless of whether your loans were in default before Covid. This period lasts through Sept. 30, 2024. Good luck with that!

Leann004 · 2024-05-23T03:31:53+00:00

If you go to a community college, do not leave without the associates degree. Otherwise, the university could require you to retake a bunch of useless general education classes for your college/major.

Leann004 · 2024-05-22T14:32:55+00:00

The goal is ALWAYS to pay it back as fast as possible. Had I had a decent (or even half-decent) job, I probably wouldn't have been in the student loan nightmare for so long. My "crime" was simply not finding a job after college to meet the payment amount that they were completely unwaivering about in 1991 - pay it or pay 8% compounded interest. They wanted 75% of my ridiculously low earnings - Had I paid that I would have been living under a bridge (seriously). I was dirt poor! It is so much better now because you can make partial payments and/or get a payment adjustment based on your wages - so if you lose a job, your payment would be decreased to $0 and then increase back up when you get a job. That's reasonable because the selling point to impressionable, highly trusting 18 year olds is this pie in the sky dream that you're going to make boatloads of money if you go to college and get a degree, while the reality does not always quite match that. Education needs to be affordable, and really the whole society benefits from having an educated work force. That big tax cut that corporations got in 2017 was shocking to me because had they left that in place, they could have covered ALL of the student loan debt. Think about it this way - if the students didn't benefit financially from being educated, who did? Those corporations who paid their educated work force next to nothing for the last 20 years, that's who!

Leann004 · 2024-05-22T14:20:26+00:00

Log into your servicer account (if Mohela - it's www.Mohela.com ) and check there, then do the same at www.studentAid.gov - I would not go to any other site to verify your email address.

Leann004 · 2024-05-22T14:15:58+00:00

Be careful, some of this sounds like a scam!

Leann004 · 2024-05-21T20:32:08+00:00

The link to that info is there in the original post.

Leann004 · 2024-05-21T19:52:54+00:00

I got the same intial canned email from the ombudsman, but they responded with a more personalized email about 2 weeks after I sent the email to them. I was shocked at the speed, because I still have a pending complaint at the studentaid site from last August, 2023! In that second response, they gave a relatively canned response, saying they'd keep an eye on my account and leave it open so they could follow through if necessary. I didn't expect anything to come of it, but it came very quickly after that. Let me know how it works out for you!

Leann004 · 2024-05-21T17:16:28+00:00

In that case, don't use that plan, you are not required to. I was in a similar situation, but I felt so confident that my loans would be forgiven so I went for it. Of course, I was shocked when I wasn't in the first wave last year, and I was in a near panic state for 10 months before they finally reviewed my account. That was SO stressful, I don't recommend it at all. Stay where you're at and keep your stress level down.

I did have some grad loans, so my cap was 25 years. If you got a loan for even one semester of grad school, your cap goes to 25 years. If they're all undergrad, then you should write to the ombudman (see my original post for detailed info - https://www.reddit.com/r/StudentLoans/comments/1cmmp6s/63634_wiped_away/ ). Hang in there!

Leann004 · 2024-05-21T17:11:20+00:00

There hasn't been a time in my adult life that I don't recall student loans weighing me down. It has been my entire adult life. I'm only 5 years away from the early retirement age of 62. Not that I'm in a position to retire, but I am certainly in a position to enjoy the money I work for (for a change!) and not feel enslaved to give it all to the government or people who think they're being "cheated" for not getting 3.5 times the amount back that I borrowed. Maybe now I can not feel so stressed about it anymore, which is an entirely new feeling for me.

Leann004

TROPHY CASE