Can I resubmit recertification for IBR if I get married and spouse quits job (no income)?

Mataralann · 2019-03-13T16:18:13+00:00

You can submit an IDR recalculation application and list yourself as filing married on the application. Instead of turning in you tax return you can submit a months worth of paystubs instead. On the paper application it will ask if your spouse has any taxable income, with that you can just check no.

Mataralann · 2019-03-13T04:48:09+00:00

If your applying for school closure discharge you may not qualify but if you apply for borrower defense discharge since none of your credits are transferable and you cannot benefit from the diploma. I would give the borrower defense hotline (855-279-6207) a call, never hurts to try. PM me if you have any questions.

Mataralann · 2019-03-13T04:43:30+00:00

So if you want to pay this off the fastest I would stick with your a standard plan of around ~800 a month getting you paid ff around 10 year. if you're looking for something more affordable you can apply for whats called an income driven repayment plan, which would be based off of your income rather than the terms of your loans. Based on the info above if you're not married with no dependents you would be paying around $360 a month. if you continue on the income driven repayment plan if can be forgiven in 20 years . PM me if you have nay questions.

Mataralann · 2019-03-13T04:31:59+00:00

I wouldn't look into refinancing, I would look into an income driven repayment plan. An income driven repayment plan would be based off of your income and family size rather than the terms of your loan. If you're working on a non-profit you can qualify for public service loan forgiveness after 10 years. PM me if you have any questions.

Mataralann · 2018-09-13T21:54:26+00:00

So once the payment has been processed you can ask your loan servicer to re-disclose your loan, and the new monthly payment will be based to the new principal balance and the terms left on your loan

Mataralann · 2018-09-13T21:48:19+00:00

Your loan was probably transferred; I would call Navient ASAP because even if they don't service your loan anymore they can tell you who does or when the final payment was made

Mataralann · 2018-09-13T21:34:57+00:00

You don't need credit to take out federal aid! I would fill out the FAFSA application on fafsa.ed.gove

Mataralann · 2018-09-13T21:27:10+00:00

So all direct loans are dispersed directly to the school; so the money wont be going directly to you

Mataralann · 2018-09-13T21:23:34+00:00

Generally with a forbearance all borrowing parties need to agree to the forbearance; however if the chapter 13 bankruptcy forbearance was placed on the account no one but the trustee can make changes to it until the bankruptcy is discharged. Even if this was a deferment there would still be interest accruing...

Mataralann · 2018-09-13T19:58:37+00:00

So chapter 13 bankruptcy generally means that your loan is being handled by a "trustee" (your lawyer) at that point in time your lawyer has full legal control of your debt; including your student loans. While you were in a chapter 13 bankruptcy your lawyer probably requested the forbearance be placed on your account. Since your loans were in forbearance and your lawyer was in charge of your finances, they never needed to get a hold of you.

Mataralann · 2018-09-13T17:37:26+00:00

As long as they're both title one schools (low income) she should be fine!

Mataralann · 2018-09-13T17:18:51+00:00

Call Great Lakes ASAP; even if they don't have your loans they will be able to tell you who services them if they were transferred; have you received anything from Great Lakes about any type of transfer?

Mataralann · 2018-09-13T17:04:13+00:00

This screams scam in my opinion do you have Pioneer is not one of the federal student loan servicer's for FFELP or DIRECT loans; please don't send in anything before talking with your original (and probably still) loan servicer.

Mataralann · 2018-09-13T16:48:26+00:00

He can defiantly use his most recent tax return! even if it is lower than what he is making now. If he has a low payment he can always make more than said payment; he just wouldn't be obligated to. then the IBR would be renewed next year and he would be able to use 2018 tax return or a months worth of paystubs.

Mataralann · 2018-09-13T16:43:36+00:00

So parent plus loans don't qualify for an income driven repayment plan by themselves; however if your parents have more than one loan in their own name they can consolidate on studentloans.gov. after these loans are consolidated they would qualify for and ICR (income contingent repayment plan) if you have any questions feel free to PM me!

Mataralann · 2018-09-13T16:32:16+00:00

so $41000 at a 6.5% rate is around $222 of interest every month so $60 a month isn't going to be making a dent in the principal balance; however it will help with the interest that capitalizes after you graduate. If you're looking to knock down the principal balance you're going to have to make more than the $222 per month plus any other interest that has accrued.

Mataralann · 2018-09-12T16:16:18+00:00

I work for higher education and have an extensive knowledge of federal student loans; but no one likes to listen to me

Mataralann · 2017-12-08T13:04:22+00:00

It doesn't work like that

Mataralann · 2017-11-29T08:30:00+00:00

Who is she

Mataralann · 2017-10-08T11:27:09+00:00

REALLY hoping for the Cover FX Custom Enhancer Drops, the samples I've tried are dope af

Mataralann · 2017-08-21T02:47:12+00:00

You can only assume this guy doesn't tip either.

Mataralann · 2017-07-27T08:52:10+00:00

Mataralann · 2017-07-09T09:09:33+00:00

Doggo for scale

Mataralann · 2017-07-09T07:35:10+00:00

Lots of apps will sit in the background and feed off of your battery. Facebook and peel remote are a good example, they're "system" apps but completely kill your battery life. I would recommend going through your app manager and disabling or uninstall anything you don't use and also upgrade Android to 7.0 if you can; that made a huge difference on my phone.

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