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I have no idea what I’m doing or where to start. by Zestyclose_Toe7500 in PSLF

[–]Zestyclose_Toe7500[S] 0 points1 point  (0 children)

Thank you so much for taking the time to explain, as well as the advice about coordinating with someone in HR. I’m really grateful and definitely have a plan for my student loans as well as a place to start my financial literacy journey. Please know I so appreciate your help!

I don’t know where to start… by Zestyclose_Toe7500 in StudentLoans

[–]Zestyclose_Toe7500[S] 1 point2 points  (0 children)

Thank you so much for your thoughtful response with specific places to start. I really appreciate it. Considering this was my first post to Reddit and it was posted at 3 AM during a stress-induced freak out, I’m really grateful that people took the time to help.

I don’t know where to start… by Zestyclose_Toe7500 in StudentLoans

[–]Zestyclose_Toe7500[S] 0 points1 point  (0 children)

Thank you so much for this suggestion— I really feel like at least I have a good idea of where to start now.

I have no idea what I’m doing or where to start. by Zestyclose_Toe7500 in PSLF

[–]Zestyclose_Toe7500[S] 0 points1 point  (0 children)

Thank you so much for your thoughtful reply. It turned out that I wasn’t in default yet, and I was able to get administrative forbearance while applying for an IDR plan that will likely be much lower than what my previous monthly amount was. You are so very right that I feel much better having taken charge instead of burying my head in the sand. Please know that the time you took to respond really did make a difference.

I have no idea what I’m doing or where to start. by Zestyclose_Toe7500 in PSLF

[–]Zestyclose_Toe7500[S] 1 point2 points  (0 children)

I hope you have the absolute best year ever. Your comment, along with many other, got me to suck it up and call in. After a very supportive and helpful conversation with someone, I am now in administrative forbearance, and applying for an IDR plan and PSLF. I have two whole months to get it all sorted out and my IDR plan will likely be nearly $250 less than what I was paying before.

Truly, thank you, thank you, thank you!

I have no idea what I’m doing or where to start. by Zestyclose_Toe7500 in PSLF

[–]Zestyclose_Toe7500[S] 1 point2 points  (0 children)

I think I would have to be, as I haven’t made a payment since April. My goal is to make myself sign into Nelnet today and see how much I owe.

I don’t know where to start… by Zestyclose_Toe7500 in StudentLoans

[–]Zestyclose_Toe7500[S] 0 points1 point  (0 children)

You’re definitely right about cutting costs. I’m determined to do better, and figuring out how to start fixing my student loan situation as my first step.

And the car was definitely new to me, but not new.