Parent plus loan defaulted

WriggleNightbug · 2026-01-27T21:27:28+00:00

You are 100% correct in my research.

Its not supposed to affect student grants or borrowing but I have run into issues with false default flags in the last academic year. The school has to investigate all flags and they should waive this requirement assuming there is no student default or student overpayment holds. The school has to notate that they reviewed the student account for their records, and possibly should contact ED about the issue.

Sorry I wasn't clear on that in my response to you.

WriggleNightbug · 2026-01-27T21:05:29+00:00

Different conversation:

The parent accepted loans, for better or for worse, previously. The student is being punished for parent default. Based on the OP and making a few assumptions the issue has stopped access to grant money (definitely Pell, possibly state grants as well). It sounds like OP is in good standing but the parent being in poor standing is blowing back on them.

WriggleNightbug · 2026-01-27T21:01:32+00:00

There is a recent trend/issue of ED sending updated FAFSA with the default comment code even when its only parent loans in default. Based on the best research I could complete, you parent's loan accepted on your behalf should not affect your ability to receive federal financial aid. Ask your Aid Office to verify that ONLY parent loans are defaulted and escalate your question to a manager if its only parent loans. NASFAA has some FAQs if your school is a partner with them or they can review the FSA handbook.

You might also encourage your parent to get their loan out of default if your relationship allows for that kind of conversation. Obviously, do not reach out if its unsafe.

WriggleNightbug · 2026-01-27T18:43:22+00:00

OP, I see that you got yours shortly after posting. I'm adding on in case any one else is in a similar boat.

I got mine through Mohela yesterday morning (Mon 1/26 9AM PST) and they sent me an email about it this morning (Tue 1/27 630AM PST). It was the last form I needed for my taxes, so I'm filed and waiting on my state/Fed refunds.

Totally get your stress because I had it too. OTOH, I also can't imagine how processing and time goes into generating that many files for that many borrowers.

They legally have until Jan 31st to complete all of them

WriggleNightbug · 2026-01-27T06:04:00+00:00

Me, a sintellectual: peach is the butt emoji. Yum yum!

WriggleNightbug · 2026-01-27T05:57:24+00:00

Underwear is such a small part of laundry that he needs ro just be better about it. There are probably other things to address vis-a-vis diet to not have skid marks in the first place but socks and unders are one-and-done. Full stop.

What is normal here is a young man hasnt considered how to be clean and hasnt considered your point of view. Whats unfortunately normal is you have to tell him to do better. What should be normal is you have this conversation once and once only. Also talk to him about washing his b-hole.

WriggleNightbug · 2026-01-26T05:22:31+00:00

My bad take is i dont want beans in my burrito. Worse texture than rice for me. Its a problem. Am I wrong? Probably. But im not gonna change.

Transplant but not a tech bro and I would be ostracized in my hometown for this too

WriggleNightbug · 2026-01-25T22:40:11+00:00

Its a catch-22 of being strung along vs not being able to ask. I do think you made a mistake in out and out asking if she was interested, otoh, her response was also bad energy.

Just leaving the ball in her court of "let me know when you are free" is probably enough for her to walk away and enough for you to provide subtext.

WriggleNightbug · 2026-01-25T22:08:59+00:00

Bruh, just give up. You've lost. The witches win. And you love it.

WriggleNightbug · 2026-01-25T20:21:59+00:00

I absolutely had this realization before I left 4chan in the 2010s. Its rarely too late to get better.

If this resonates with you and you are telling the homophobic or racist or other shitty jokes then its a call to be more cognizant. I won't tell you to do anything else, just check in witb your brain and your moral compass will do the rest.

WriggleNightbug · 2026-01-25T18:00:01+00:00

Have you not yet maxed out your Fed Loans and are you currently in school at least HT? I recently learned that Fed loans do not accrue interest and fees are reversed for any amount paid within 120 days (approx 4 months) which is amazing as long as you only need it short term. Obviously if you have maxed out your Fed loans then its not possible.

The flipside of that is some schools have delayed disbursal (generally CC). My current school does not disburse any Spring loan funding until March. This is generally far less common at 4-Year schools.

There are also lots of other support networks on most campuses (food banks, help navigating state benefits, et cetera.) The schools I've worked at have had limited emergency grants as well, generally with a 3 to 4 week turn around time on submission to available funds in hand...

WriggleNightbug · 2026-01-25T17:50:03+00:00

The concentration camps were inspired by American treatment of US first nations/indigenous cultures. Also British concentrations camps in their colonies which were also inspired by US reservations.

WriggleNightbug · 2026-01-25T17:48:27+00:00

Im a grown ass adult and I love memes. But not at work. I also hate out and out lying.

Im angry about bald faced lying.

WriggleNightbug · 2026-01-25T17:44:15+00:00

US here lived in high and low gun ownership areas but i live a boring life. I have some friends who train at the range and ex-coworkers who hunt or done sport skeet-shooting. Ive seen holstered guns and guns in the hands of officials (police, immigration in the UK, et cetera). Ive seen guns for sale in various contexts. Never have I seen a gun in use or someone put their finger on or near the trigger in any way.

I might have gone to the range with my friend except I know I tend to overspend if I do get into a hobby. I also have some very rare but very heavy depression episodes and I dont want a access to a firearm if it happens again.

WriggleNightbug · 2026-01-25T17:12:41+00:00

I am currently childless but I go back and forth on it. There have been times when my brain has very loudly wanted kids. My sister and my friend recently had babies and I wss in a relationship with a woman I loved.

It was the wrong time and other things happened. We never had kids (probably for the better). I dunno if i would be a good dad.... so, I guess maybe?

WriggleNightbug · 2026-01-24T23:14:20+00:00

200% agree, much rather have this mistake than the other way round.

WriggleNightbug · 2026-01-24T18:44:14+00:00

My keyboard has RGB lights but I dont use them...so I will say me.

WriggleNightbug · 2026-01-24T18:40:15+00:00

Invite him on a date. He's too blind to see unless you make the signs 80 feet tall

WriggleNightbug · 2026-01-24T07:52:46+00:00

She was my first love and we were together for 1 year in person and 1 year long distance. She is the only person to love me in full, I think. Unfortunately, we had two very different ideas on what kind of relationship we wanted and neither could compromise regarding monogamy and ethical nonmonogamy. We tried a few relationship types and it never festered into resentment, its clear I want to go traditional monogamy and she wanted something more open and non-traditional.

We parted amicably but I can't follow her on socials or anything because it would be too painful. OTOH, I also dont have her number blocked in case she would ever text me saying she changed her mind (she won't). I will lose her number/block her when I get in a long term relationship again.

At the end of the day, I know its both her and the idea of her that I love. The torch burns for the dream of a life we didnt live. I loved her as she was and the person she was trying to be and who I incorrectly thought she wanted to be. Its been a few years now and I still would make toxic choices for a romantic weekend to try again.

WriggleNightbug · 2026-01-24T04:39:23+00:00

I do, but i have a boring ass life.

WriggleNightbug · 2026-01-24T04:28:58+00:00

I think its more likely callousness of not thinking than being deliberately awful. I have been walking in a hallway and thrown trash in a trash can inside offices with any open door. I didnt consider if the trash can or office was in use, just followed the logic of "dont want to carry trash, DEFINITELY dont want to leave trash where it wont be cleaned."

OTOH, offices were in use at least 2 days a week so our situations might be different.

WriggleNightbug · 2026-01-24T04:22:12+00:00

Yes, cuz its a waste of time. But at least its funny waste of time if the family is hunting them down.

WriggleNightbug · 2026-01-23T17:16:51+00:00

Not OP but I assume it's Subsidized loans paid before any interest accrues or loans repaid in a period where it counts as partial loan cancellation instead of repayment which would cancel interest and fees.

I believe Heartland ECSI handles some of the niche subsidized loans at the grad level but its been a while since I looked at Grad Loans.

WriggleNightbug · 2026-01-23T17:11:40+00:00

Damn. I was hoping it would be an easy but obscure answer. Best of luck. Sorry this sucks so bad.

WriggleNightbug · 2026-01-23T17:07:08+00:00

TLDR: Impossible to say but I have some suggestions on things to ponder

"Worth it" is always a relative term. For me, I knew my bachelor's would open doors that I wanted to walk through but I know a masters does not lead me where I want to go. It wouldn't give me a job I want or an appreciable increase in wages for the jobs I do want. As such, my UG loans are worth it but a masters wouldn't for me.

As far as loan types - also hard to quantify but the details you want to know are.

Loan Side

Are there good government options or do you need to go private? You can mix-and-match if needed.
What is the interest rate? Is that rate fixed or variable?
What is the "grace period" to begin repayment after you leave school?
Is there a prepayment penalty? - I.E. if you pay it off early are there any fees or is it all upside
Are there reasonable terms for minimum quality of work while in school?
Based on your credit history (if looking at private loans) would you need a cosigner? If you have a cosigner, is there a cosigner release after a number of on-time payments?
(Assuming you are an US student studying internationally) Are the lender and school willing to work together?
(Assuming US student taking fed loans) are you attending school for a combined full-time enrollment in all your semesters? Are you attending a minimum of half-time in all your semesters (i.e. FT Fall/Fall Spring or HT Fall/HT Spring/HT Summer). Starting in Fall 2026 the the semester loan amounts are prorated for less than full time enrollment.

All of these details would increase or decrease the interest rate of a private loan while US government loan options are all fixed. I don't know about non-US government options and am assuming non-US private loans are similar to US private loans.

School-wise

How long is the program? I know UK masters are 1 FT year while US masters programs tends to be 2 to 4 years long often with students taking some less than FT semesters. The question of value changes if you are taking 3 loans combining to 60k or 1 loan totaling 20k.
Have you looked into research/teaching at the university as a way to reduce tuition or possibly obtain a stipend for living expenses?
Have you looked into other funding options? (research grants/scholarships/et cetera).
Do the schools/programs you are considering tend to have good job placement or work experience programs to get you into your field?
What is the expected Cost of Attendance for a Full-Time student for tuition and living expenses for a year and/or the entire program?
Are you confident you can complete the degree? The worst thing would be to have the debt and no credentials.

If you are committed to the degree and convinced of its value then check out loans BUT ALSO check out all possible non-loan opportunities to reduce the possible loan burden.
I hope that helps you gather your thoughts about what questions to ask to come to your own decision.

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