Student Loans

Has anyone attended a financial literacy course or workshop? Did you find it to be beneficial?  

I'm reading about consolidation for people that have multiple federal loans over different time periods. I have one undergrad loan that entered repayment in 1999. It's about $2,000. I have another $180,0… more

Anyone follow any social media creators that speak about debt? Recommend your faves!  

Has anyone utilized a financial advisor to assist with planning how to tackle your loans? I am hesitant as I feel like they don't have your best interests in mind.  

What financial goals do you have for yourself this year?

Has anyone seriously cut back on things like eating out/going out with friends on the weekends in order to save money/deal with your debt?

What kind of debt do you have other than your student loans?

This is the best succinct statement on my view of student loans I've seen yet:

Trying to get an education to gain access to a comfortable life should not mean lifelong debt.

What’s the dumbest purchase you’ve made while still having debt?

At what point did you begin investing? How much debt did you have left and did you have an emergency fund?

So, who is getting a tax refund and who has to pay? I have a theory that people who get a refund filed their taxes in February and those of us who have to pay are waiting until April to file. Am I rig… more

I struggle between debt/savings. Seeing my assets increase is so much nicer than seeing my debt decrease. Help me!

With tax return season among (some of) us, are you putting your return towards paying off your loans?

Honestly, if I don't care about my credit score, what would happen if I just didn't pay my student loans?

Do you ever put extra lump sum payments towards your student loans? If so, how much and how often?

what are the benefits/disadvantages to filing taxes as single vs common law?

Kind up upsetting that you dont get the same help from the SAVE plan if you file your taxes jointly. My best friend and her husband file separately and she only pays $5 per month for her loans because… more

Where is the best European country to travel to in Sept/Oct?

Do we ever think salaries are going to catch up with inflation rates?

Bernie's 32 your work week propaganda has been getting some air time this week, and I agree that everyone (workers included) should benefit from advances in technology and productivity.

I saw one a… more

Has anyone received PSLF before the 10 years of service?

I really wanted to pay off my 31k balance this summer. But I just ran the numbers, and if I wait 4 years, I can have 17 -19k forgiven through PSLF. I don’t know what to do. It is smart to wait, but, I… more

Does anyone have student loan repayment benefits through work?

Does taking on a mortgage feel less daunting than student debt?

I wish there was an option to refinance at lower rates in Canada. The best I can find is prime which is still ~7%. I hear sofi in US is lower than this

When should you refinance? I graduated from grad school in June 2023 I took out $160,000 in loans. My current balance is $120,000 of that $120,000 100,000 are in private loans and 20,000 are in Govern… more

Has anyone seen any movement on their payment progress since before Christmas? I have 116/120 payments and so far have never received credit for December as they say everyone was placed into deferment or forebera… more

I have a really unhealthy relationship with my debt, in that it causes me legitimate stress on the daily and almost consumes me. Has anyone experienced this feeling before?

Is anyone tired of hearing people say to just get another job, just cut back expenses, etc. etc. when these two options are not necessarily realistic for everyone? I already have 2 jobs and don't … more

Are your loans fixed or are they variable? If variable, what is it at right now?

What are your side hustles? Feel I may need to add another to pay loans but unsure what other flexible options are out there.