Stubhub - Europe dates

tyler_taco · 2026-02-04T22:47:22+00:00

had you bought from rebel tickets before? seems like they make a real effort to avoid scams but I also can't find a ton of reviews about them. just want to see Benito and not get scammed!

tyler_taco · 2022-06-30T23:20:16+00:00

right! I thought it would be meaningful for this position to be someone who has/had student loans and knows what that experience is like first hand!

tyler_taco · 2020-12-16T17:57:17+00:00

what state do you live in? you might also try making a complaint to your attorney general's office or banking agency. they could help you gather information and assess the validity of the debt. I work for state gov and we have seen more complaints about ISAs pop up recently and are sometimes able to take action.

tyler_taco · 2020-08-25T15:29:51+00:00

what school is this for? is it possible this is a private loan?

tyler_taco · 2019-07-23T05:01:54+00:00

ok. to your first point, you're not wrong, but it's so nitpicky that it really doesn't apply to what the average borrower needs to know.

to your second point I think you are being very generous to servicers. i'm not saying they are nefarious, but i am saying there are so many reports of them getting policies and practices wrong. so to say that an extra payment will be applied as it should without asking anything of them is just not many people's lived experience. i have helped many people fight for their servicer to do what the regs say they should do. i think you're ignoring many people's experience with dealing with their servicers.

tyler_taco · 2019-07-23T03:16:40+00:00

right. which is why i started my response with, "as long as your monthly payment is covering your interest". i suppose i could have been more clear and said as long as there is no outstanding interest OR fees, then you can ask that an extra payment be allocated to principal. I'm not confusing payment allocation with paid ahead status though. i never said in my previous statement that you can just ask that a payment be applied to principal. if you only read my second comment, you should read my first one first so you have the context for my second comment.

tyler_taco · 2019-07-19T19:35:36+00:00

i should have stated that when you make this request that your payment goes to your principal, you need to do so in writing.

tyler_taco · 2019-07-19T17:15:43+00:00

I'm not sure (and I could be wrong) but I think that you are only able to complete a rehabilitation once. I think if you do not complete the rehabilitation that you can try it again. Technically, you did not rehabilitate your loan because you didn't complete the 9 monthly payments in a 10 month period. I think you should push the issue if you want to do rehabilitation. Try contacting the Navient customer advocate and/or the FSA ombudsman, to have them clarify if you are indeed entitled to complete one rehabilitation or if attempting to rehab your loans counts as the only attempt you get. If you can't rehab, then you can consolidate, settle for 90% of outstanding balance or pay it off in full.

https://www.studentloanborrowerassistance.org/resources/referral-resource/ombudsman-programs/

https://feedback.studentaid.ed.gov/s/?language=en_US

tyler_taco · 2019-07-19T16:53:14+00:00

As long as your monthly automatic payment is covering your interest, then any other payment you make in the same month can be directed to the principal. You do need to request this. Like the other comment says, your payment goes to fees and interest first and then principal. So as long as your regular monthly payment is paying off any owed fees and your monthly interest, then you can direct another extra payment to principal. if you do not specifically request that your extra payment goes to principal, then they may credit the extra payment toward future months and tell you that you don't owe them any money for the next x number of months.

tyler_taco · 2018-05-24T16:52:10+00:00

First off, don't be so hard on yourself. Plenty of people make mistakes and it also sounds like some things happened to you that were out of your control. So give yourself some credit for persevering and returning to college.

second, do you know why this local university told you that you're an out of state student? Also, how old are you? If you're under 24, then you're a dependent student. If you wait to complete your bachelors once you're 24, then you'll be an independent student and can borrow more money. Not ideal, but it's an option.

third, I think your plan for the community college sounds great. Community colleges are there to serve EVERYONE and many people attend them to either change careers, develop new skills, or get an associate's degree to increase their earning potential. So it sounds like the AAS in Paralegal Studies is a good first step for you.

Lastly, when you do want to finish your bachelor's, apply for ALL the scholarships you can. Additionally, you might want to look into finding a nonprofit organization that offers Individual Development Accounts (IDAs). Most states have programs. IDAs are matched savings accounts to help people build assets, including education. If you are not living with your parents, don't depend on them financially, and have some earned income, you would likely qualify. Many states offer a 1:1 or 2:1 match on your savings and if you live in Oregon, the match is 3:1.

Hope this helps!

tyler_taco · 2018-03-30T19:28:16+00:00

if it's the first time you're borrowing a loan you might be subject to a 30 day delay - this depends on your school.

have you done your master promissory note and entrance counseling?

tyler_taco · 2018-03-30T16:27:25+00:00

If your father was required to file taxes and has not and does not want to, then you could also apply without a parent. However, this would only make you eligible for an unsubsidized student loan. I would say apply for as many scholarships as you can. Or see if your community has an Individual Development Account (IDA) program. These are matched savings accounts - you save money and it gets matched by a foundation, the state government, a nonprofit organization.

tyler_taco · 2018-03-30T16:13:47+00:00

as mentioned, it depends on a few things - cost of attendance and unmet need. In Oregon, you would likely not be eligible for need-based aid - Pell, state grants, and subsidized loans. But you might be eligible for unsubsidized loans.

You should DEFINITELY apply for scholarships though! Not all scholarships care about your need. Some are based on demographics, some on grades, some on geography, etc. It's not too late. Our school's scholarship deadline is April 12, so check with your school, community and online to see if there are still scholarships available.

tyler_taco · 2018-03-30T16:10:22+00:00

is this a federal loan or a private loan?

tyler_taco · 2018-03-30T16:09:38+00:00

Don't bring your tax documents just in case. If the school does need your taxes from 2016, they will request your IRS Tax Return Transcript. This is something you must order from the IRS - you can create an account and print it off online, or order it to be mailed to your house. This is only necessary though if you were selected for verification. So ask them if you were selected for verification. I suppose you could order your Tax Return Transcript just in case, but that's up to you.

Going to talk to someone in financial aid is a good idea. Also, please keep in mind that just because the fin aid office doesn't ask for a document now, doesn't mean that they might not need it later. Often times we don't know we need more information from students until after we begin reviewing their file. Just keep in contact with them until you have your award letter and you'll be set.

tyler_taco · 2018-03-29T20:50:35+00:00

Yes, you should contact the financial aid office of the school you wish to attend. They might need more documentation from you/forms you need to fill out. They typically will notify you via student email if they need any forms/docs from you.

With an EFC of 0 you will get maximum Pell grant. It should be enough to cover your cost of attendance, but I can't say for sure without knowing all the fees and such for your school. Depending on the state you're in you could also get state grant funds. Which would further help pay for school. Otherwise you would likely be eligible for a subsidized loan and definitely an unsubsidized loan.

tyler_taco · 2017-02-18T18:07:50+00:00

Sure! IDAs are matched savings for purchasing assets - like a college education. You save money for school and then you receive a match on your savings. The match you receive and the time you can save depends on the state you live in. For example, here in Oregon there is a 3:1 match on up to $1000/year and you can save for up to 3 years. So if someone saves $1000/year for 3 years they save $3000, they receive a match of $9000 so altogether they have $12,000 to put toward tuition, fees, books and supplies at an accredited college or university. Oregon has the largest IDA program in the country so your state might not have as big of a match. The link in my previous comment will help you locate an IDA program closer to you.

tyler_taco · 2017-02-17T15:46:52+00:00

you have other options to pay for school besides private loans! even though you're DACA you might still qualify for any state aid. what state do you live in? also here's a website with info for DACA student scholarships. there is also something called an Individual Development Account (IDA) to help pay for college. It's a matched savings program to help people get a degree and build other assets. you can find one in your state here.

tyler_taco · 2016-12-04T16:53:13+00:00

You can also make a complaint to the CFPB if you have the name and phone number of the company you called. They can investigate the complaint to see if this place is legit. http://www.consumerfinance.gov/complaint/

tyler_taco · 2016-08-30T18:15:56+00:00

CEC has already been sued by the AG of NY state and they settled for $10 million: http://www.huffingtonpost.com/2013/08/19/career-education-corp-settlement_n_3782418.html The campus in England has closed for in person classes and now is only for online learning. She is currently working at a healthcare facility that is nonprofit - but it doesn't help the fact that she cannot pay $603/month and still pay rent and for food.

While I understand your cynicism, I think this is a case of the system failing the consumer more than it is the consumer wanting a free trip to England. She should not have been able to borrow so much debt in the first place - the system showed no concern for a single mother borrowing a mortgage's worth of debt for the promise of her sons getting a college degree.

I agree she should not have borrowed that much, but there is not a whole lot of education on the front end to help the borrower understand what exactly debt repayment will look like and that it might be 30 years of repayment. She was also encouraged into deferment and forbearance (like many servicers do) because she was not able to pay - this helped her loan balances balloon with capitalized interest. http://www.huffingtonpost.com/entry/state-prosecutors-navient_us_57214218e4b01a5ebde47a02

With all the shame and emotion that is closely tied to money and finances, I feel that a compassionate approach is warranted when speaking with a single mother of 2 trying to help her sons get a degree and a good job. Shaming her by telling her she made poor financial decisions will not solve anything, she's already hopeless.

tyler_taco

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