Student Loans

How do you think schools and colleges can better educate students about managing finances? Does anyone have teens that are now being educated in high school about finances?  

I feel like the harder you work in the US the more they want to take from you. Because why is my student loan payment $478 when my car insurance is $242 and rises every year. My rent is $2200 which is… more

I actually agree with this: student loan repayment challenges don't fall entirely on servicers. Don't get me wrong - they should get their fair share but to say it's all on them would not be accurate. O… more

Hey folks, when I filed my PSLF application in October, I was employed. I became unemployed a week ago. I need to be employed at a PSLF qualifying employer ASAP. Does anyone have an idea of a job I ca… more

It's actually sad that so many people need to work multiple jobs just to afford their basic necessities these days. It's one thing to want to "hustle" to get ahead by having multiple, but I'… more

In today's game of political gamesmanship, we have the left wing decrying Biden's latest student loan forgiveness plans as not going far enough, making his efforts thus appear (relatively speaking) more moder… more

What are you doing to make yourself financially better-off than your parents are/were? 

Is anyone worried that AI may eventually replace their job?

When I initially signed for my student loan in 2018, the interest rate was 2%. Since graduating in 2022, it has moved to 7.2%. My monthly interest payments are almost $300. It's so discouraging bu… more

My opinion is no one should be taking out student loans for any career that won't make six figures in the first 5-10 years.

What do you think?:

Is the student loan system "broken" OR is it working precisely as it was intended to create a debtor class?

Does anyone know of a website or store that sells second-hand office attire? I find blazers to be SO expensive, but I want good quality ones.

How many more years left until you are student loan free?

What kind of budget friendly gifts are you purchasing/making for Christmas?

What advice would you give to individuals about to embark on their higher education journey?

Combined income my husband and I make about $270k yearly. Our mortgage is $2,800 and we were putting $3k a month toward student loans. I started out at $240k and am down to $205k. We are welcoming our… more

Pros and cons of federal vs private loans?

Anyone defaulted in their student loans? I’m over 100k in and I feel trapped 😔😔

I refinanced 250k out of 300k from federal to private and now none of the new federal repayment plans help me. Anyone in this boat and any suggestions? My private loan interest rate is only 3.3% but I… more

I haven't made a payment yet since they restarted ://

I have not begun paying anything yet on my masters degree. I started grad school in 2019 and finished in 2021. I can’t afford these payments. I’m sick of our government spending overseas for various p… more

Universities should have to pay off student loans. Biggest scandal of our generation!

does anyone want a savor one referral lol

Slightly unrelated to payments? Maybe. But do we think that AI is eventually going to make education pretty obsolete for the younger generations? So that you're really only going to school for thi… more

I was thinking today about when my budget went to h*ll, and remembered it's been two years since the expanded child tax credit program with its monthly stipend ended in covid. It lifted over 11 million child… more

Who here has a payment under $200 a month and how did you get it to that?

I've officially hit "Let's circle back to this after the holidays" time when work is (mostly) chill.

I wish I could circle back to student loans at a more convenient time. Lol.

Has anyone had a student line of credit convert to a student loan by the provider? How did this change your payments, term, etc? 

Re: houses, my partner and I are considering refinancing our home to make my loan payments but want to know if there is anything stupid about this we are not seeing.

I heard discussion today of how "Third Places" - places outside Home (#1) or Work (#2) where you can relax, unwind, enjoy community, without obligations - have essentially disappeared. These were a par… more

 In my parents generation, trades were pushed and no one really went to university/college to get a degree. It was rare and so if you had one, you were automatically getting a good job. Society starte… more

Is your student loan fixed or variable interest rate? 

Heard this today...

Do you think high schools are a propaganda machine geared toward pushing kids toward college (with its 5 year average length and 100K+ in student loan debt)?

If not, how would you de… more

How did the pandemic impact your student loan repayment process?

What kind of trip could you have taken with all the money you spent on loans this year? I could have legitimately flown to Australia and stayed there for about a week - I calculated it.

Only 308 billable hours away from hitting my year end bonus! …. *cries*