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Student Loans Navient/Fed Loan shortened article
Old 02-12-2019, 05:33 AM
 
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Has anyone heard that student loans are supposed to be transferred to Fed Loan in order to receive forgiveness?

Here’s Why So Many Americans Feel Cheated By Their Student Loans
BuzzFeed News Reporter

The premise of Public Services Loan Forgiveness (PSLF)which was passed by Congress and signed into law by Bush in 2007, is straightforward: Working in public service doesn’t pay a lot, and a lot of public service jobs — including teaching and social work — require advanced degrees, which in turn often necessitate hefty student loans. How do you encourage people to train for those jobs, jobs that are essential to society, even when it means taking on massive amounts of debt? You make loan forgiveness part of the package.
Public Service Loan Forgiveness is a program created under the College Cost Reduction and Access Act (CCRAA)
From the beginning, the PSLF program has presented itself as deceptively simple: Get on an income-based repayment plan, work in public service for 10 years while making monthly payments, and the remainder of your student debt will be eliminated. That was the promise, made on behalf of the federal government. Yet the program’s apparent simplicity (and the lack of guidelines on how to implement or monitor the program) has now led to the defrauding of tens of thousands of borrowers.
The issue came into focus in fall 2018, when the Dept of Ed released information related to the first round of potential loan forgiveness. Out of 29,000 forgiveness applications that had been processed, more than 98% had been rejected. Of those, 28% of the rejections had to do with filing errors.
If the PSLF is eliminated, as suggested by Trump’s most recent budget proposal, borrowers currently on track for forgiveness would still theoretically receive it.
The principles of loan forgiveness aren’t that different from something like military tuition assistance, which has been an uncontroversial federally funded program for decades: That’s how we incentivize military service and attract the talent needed to keep the military running.
Public service within the military-industrial complex is still widely gendered and conceived of as masculine, good, and most important valuable. By contrast, public service outside of the military (in schools, in public health, in legal defense, nonprofits) is conceived of as feminine, and less valuable. A staggering 77% of public school teachers are women, and women make up 73% of nonprofit workers. When that work is figured as less essential to a functioning society, investing in it collectively (through direct government funding, in the form of tax dollars, or indirect funding, in the form of loan forgiveness) is deprioritized or rejected altogether. And that idea extends all the way to the Dept of Ed, the entity charged with facilitating the disbursement and payment of student loans — which has moved to roll back myriad protections for student borrowers and eliminate PSLF.
When PSLF was first conceived, its guidelines were straightforward: To obtain forgiveness, you must have the right kind of loan (a public one, as in, owed to the federal government); the right kind of repayment plan (income-based) the right number of qualifying months (120) and the right employer (one that provides public service). The federal government contracted with a private company, FedLoan, to “service” the program. But it never provided a manual, and the servicer, which, like every other loan servicer, is a publicly held, profit-driven enterprise, has little incentive to facilitate completion of the program. When a borrower is granted forgiveness, after all, that loan (and the fees generated by it) disappears.
In order to participate in PSLF, you must transfer your loans to FedLoan. But many servicers, including Navient, may be reticent to guide clients toward this option, because if a loan is transferred to FedLoan, they lose their servicing fees.
In a recent lawsuit funded by the American Federation of Teachers, a group of nine teachers accused Navient of negligence in administering their student loans. The plaintiffs, who say that their experiences with Navient typify the company’s malfeasance, are seeking to have their suit certified as a class action. In Jan. 2014, Kathryn Hyland, a teacher in New York, attempted to certify her employment as part of the PSLF program. Instead of informing her that she would need to consolidate her various loans into one “direct loan,” and that she would then need to transfer her loan to FedLoan, Navient repeatedly assured her over the course of three years she was “on track” for PSLF.
According to AFT counsel Lena Konanova, Navient has admitted ignorance about the actual operation of its call centers, where, according to previous reporting by BuzzFeed News, employees were instructed to keep calls between 3 and 7min, or shorter.
Even if a borrower does figure out that their debt needs to be transferred to FedLoan, it’s only the beginning of the battle. Two years after the 2007 announcement of PSLF, the Dept of Ed realized the lack of guidelines about what type of employment could be considered public service might be a problem, and implemented a “certification” process. Dozens of borrowers who told me they had believed themselves “on track” for forgiveness had no knowledge of this new qualification, and were never notified.
When borrowers try to address their concerns to FedLoan employees — asking why a payment hasn’t been applied, asking for advice on how to navigate a job change, or asking them to properly label a payment or adjust an error — their concerns are often dismissed.
Keeping borrowers confused — and thus paying for longer, while interest and servicing fees accumulate — isn’t a bug in the system. It’s a feature.
All of these factors help explain why less than 2% of applications for loan forgiveness were approved last year. While hundreds of those rejections may eventually be overturned, given Navient and FedLoan’s lack of incentive to place borrowers on track toward forgiveness.
In the past, borrowers could file complaints against servicers with the Consumer Federal Protection Bureau (CFPB) which was established after the financial crisis in 2008.
The departments of Education and Justice began actively working to block a lawsuit from the Mass. attorney general to address the abuses.
If you believe you have been misled by your loan servicer, you can still submit a complaint to the CFPB; you can also consider contacting the office of your state attorney general.
The principles of loan forgiveness aren’t that different from something like military tuition assistance, which has been an uncontroversial federally funded program for decades: That’s how we incentivize military service and attract the talent needed to keep the military running. There’s broad agreement that the value of the military service equals, if not exceeds, the cost of educating the soldier.
Public service within the military-industrial complex is still widely gendered and conceived of as masculine, good, and — most important — valuable. By contrast, public service outside of the military (in schools, in public health, in legal defense, in nonprofits) is conceived of as feminine, and less valuable. A staggering 77% of public school teachers are women, and women make up 73% of nonprofit workers. When that work is figured as less essential to a functioning society, “investing” in it collectively (through direct government funding, in the form of tax dollars, or indirect funding, in the form of loan forgiveness) is deprioritized or rejected altogether. And that idea extends all the way to the Department of Education — the entity charged with facilitating the disbursement and payment of student loans — which has moved to roll back myriad protections for student borrowers and eliminate PSLF entirely.
When borrowers try to address their concerns to FedLoan employees — asking why a payment hasn’t been applied, asking for advice on how to navigate a job change, or asking them to properly label a payment or adjust an error — their concerns are often dismissed. These customer service agents are not experts in the labyrinthine, bureaucratic processes that guide the company that employs them. They’re working minimum-wage, high-turnover jobs, and have been trained to respond to complaints in a certain way.
“I have to explain to them that when ‘forgiveness day’ comes, any one of these tiny errors could disqualify you.
These mistakes on the part of Navient and FedLoan are not minor inconveniences. They’re $1,000, $10,000, $20,000 life-altering mistakes — mistakes that sink students further in debt, with financial ramifications that trickle down to the next generation. Keeping borrowers confused — and thus paying for longer, while interest and servicing fees accumulate — isn’t a bug in the system. It’s a feature.
The report should have prompted immediate action to crack down on the industry. Instead, the departments of Education and Justice began actively working to block a lawsuit from the Massachusetts attorney general to address the abuses. (Congress did allocate $700 million to facilitate the management of PSLF; it remains to be seen if that funding will make a meaningful difference to borrowers.)
In December 2017, Trump appointed Office of Management and Budget Director Mick Mulvaney — who’d previously called the CFPB a “sick, sad joke” and sponsored legislation to get rid of it — to serve as the agency’s acting director. In June 2018, Mulvaney (now also the acting White House Chief of Staff) fired the entirety of the CFPB advisory board; two months later, CFPB ombudsman Seth Frotman made a very public exit from the bureau, saying, in his resignation letter, that it “has turned its back on young people and their financial futures.” Along with a handful of other former CFPB employees, Frotman launched a new organization that aims to provide the same sort of protectorate function for student borrowers, only from outside the system — and outside the influence of the business-friendly Trump administration.
As Frotman told me, “We have to ask ourselves: Are we gonna recognize that this isn’t just a considerable impact on borrowers’ lives, but raising much larger systemic questions about American society?”
“From income inequality to racial inequality, we’re seeing student debt play a significant role in all of that,” he said. “There’s an older generation that’s arguing that the status quo is fine. But if you grew up post-financial crisis, and you’re bearing the brunt of this, you just understand it viscerally. It’s difficult to explain that: what student debt is doing not just quantitative , but qualitative.”
This escalation doesn’t just touch millennials: A 2017 study found that 2.8 million Americans over the age of 60 have at least one student loan, a fourfold increase from 2005, largely stemming from grandparents and parents who took out loans to support students in their family. Yet millennials have taken on more than three times as much student debt as our parents’ generation did, in part because college costs keep rising. At a public four-year institution, tuition has risen more than 313% over the last 30 years.
These exponential increases in the cost of college, and the amount of loans necessary to cover that cost, point to why it’s so difficult to talk meaningfully, across generations, about student debt today. Until 1958, “public” student debt didn’t even exist: Some colleges operated small loan programs for enrolled students; some students took out small private loans. But there was no such thing as a federally backed student loan.
In 1947, the Truman Commission issued a sprawling report on the state of American higher education, which recommended, among other things, doubling the number of students who attended college by 1960. Central to increasing college attendance would be providing government assistance, whether in the form of loans or grants, to make enrollment a reality. “The democratic community cannot tolerate a society upon education for the well-to-do alone,” the report declared. “If college opportunities are restricted to those in the higher income brackets, the way is open to the creation and perpetuation of a class society which has no place in the American way of life.”
When talking about the failures of loan forgiveness, I often field responses suggesting a loan is a loan — and should always be repaid in full: “Honor your contracts”; “Pay your bills”; “I don't know how it works in your government job, but in the productive sector I'm expected to take ownership and responsibility for myself. Not only do I do that, I'm given the burden of subsidizing people who don't pay off loans. Spare me the pity party.”
But the principles of loan forgiveness aren’t that different from something like military tuition assistance, which has been an uncontroversial federally funded program for decades: That’s how we incentivize military service and attract the talent needed to keep the military running. There’s broad agreement that the value of the military service equals , if not exceeds, the cost of educating the soldier — even if that cost is hundreds of thousands of dollars for medical school. When it comes to other, nonmilitarized quadrants of American society, though, something shifts — even when the student goes on to work directly for the government.
Public service within the military-industrial complex is still widely gendered and conceived of as masculine, good, and — most important — valuable. By contrast, public service outside of the military (in schools, in public health, in legal defense, in nonprofits) is conceived of as feminine, and less valuable. A staggering 77% of public school teachers are women, and women make up 73% of nonprofit workers. When that work is figured as less essential to a functioning society, “investing” in it collectively (through direct government funding, in the form of tax dollars, or indirect funding, in the form of loan forgiveness) is deprioritized or rejected altogether. And that idea extends all the way to the Department of Education — the entity charged with facilitating the disbursement and payment of student loans — which has moved to roll back myriad protections for student borrowers and eliminate PSLF entirely.
“The people running the federal student aid seem to have a cultural resistance to the idea of loan forgiveness,” John R. Brooks, a professor at Georgetown Law specializing in student loans, told me. “They see themselves as bankers: We made you the loan, and we need you to repay it. Their primary job is making sure the government gets its money back and then some, which is not what’s best for students, or higher ed, or society in general.”
This attitude toward student borrowers is a far cry from the original conception of education as a worthwhile investment in America’s future. It conceives of the borrower not as the bearer of the future of the country, but a customer, and a petulant one at that. It also conceives of education as a transaction, in which recipients must pay back every cent, plus interest, in order to make good on the investment that has been made in them. That understanding is mirrored in every corner of the repayment process — and nowhere more so than the Public Service Loan Forgiveness Program.
“You have to babysit the company that’s supposed to be managing your loan,” Jarvis told me. “You have to be an expert in what you’re doing. It’s very, very hard for normal people. There really is a sense of shame that’s cultivated in the system. It’s very dehumanizing and punitive.”
When borrowers try to address their concerns to FedLoan employees — asking why a payment hasn’t been applied, asking for advice on how to navigate a job change, or asking them to properly label a payment or adjust an error — their concerns are often dismissed. These customer service agents are not experts in the labyrinthine, bureaucratic processes that guide the company that employs them. They’re working minimum-wage, high-turnover jobs, and have been trained to respond to complaints in a certain way.
“I have to explain to them that when ‘forgiveness day’ comes, any one of these tiny errors could disqualify me,” one borrower told me. “What I’ve found is that you really have to watch your loans like a hawk. You have to be your own relentless advocate.”
These mistakes on the part of Navient and FedLoan are not minor inconveniences. They’re $1,000, $10,000, $20,000 life-altering mistakes — mistakes that sink students further in debt, with financial ramifications that trickle down to the next generation. If research librarians struggle to navigate the system, imagine trying to do it as a full-time teacher, or a single mom working for a nonprofit, or as anyone, really, who doesn’t have the time or wherewithal to slog through misinformation and misdirection. Keeping borrowers confused — and thus paying for longer, while interest and servicing fees accumulate — isn’t a bug in the system. It’s a feature.
The report should have prompted immediate action to crack down on the industry. Instead, the departments of Education and Justice began actively working to block a lawsuit from the Massachusetts attorney general to address the abuses. (Congress did allocate $700 million to facilitate the management of PSLF; it remains to be seen if that funding will make a meaningful difference to borrowers.)
In December 2017, Trump appointed Office of Management and Budget Director Mick Mulvaney — who’d previously called the CFPB a “sick, sad joke” and sponsored legislation to get rid of it — to serve as the agency’s acting director. In June 2018, Mulvaney (now also the acting White House Chief of Staff) fired the entirety of the CFPB advisory board; two months later, CFPB ombudsman Seth Frotman made a very public exit from the bureau, saying, in his resignation letter, that it “has turned its back on young people and their financial futures.” Along with a handful of other former CFPB employees, Frotman launched a new organization that aims to provide the same sort of protectorate function for student borrowers, only from outside the system — and outside the influence of the business-friendly Trump administration.
As Frotman told me, “We have to ask ourselves: Are we gonna recognize that this isn’t just a considerable impact on borrowers’ lives, but raising much larger systemic questions about American society?”
“From income inequality to racial inequality, we’re seeing student debt play a significant role in all of that,” he said. “There’s an older generation that’s arguing that the status quo is fine. But if you grew up post-financial crisis, and you’re bearing the brunt of this, you just understand it viscerally. It’s difficult to explain that: what student debt is doing not just quantitative , but qualitative.”
When I asked people about their “debt genealogies” — whether their grandparents and/or parents went to college and how they paid for it — the responses fit this overarching pattern. The vast majority who could trace both a parent’s and grandparent’s college experience were white; the vast majority also accumulated little to no debt.
“My grandpa went to University of Arizona and paid for it by being a farm laborer in the summer,” one woman said. “My dad then went there on an ROTC scholarship, while my mom went there with student loans (tuition was $800 per semester).” Another woman’s paternal grandfather was the first in the family to go to college, working his way through public university in Ohio and graduating without debt. He then paid for the state tuition costs of all eight of his children — allowing each of them to graduate debt-free.
In the 1980s and ’90s, that paradigm began to shift. More students were graduating from high school than ever before — and, having internalized the education gospel, were eager to continue on to college. At the same time, funding for state universities began to decrease substantially as politicians, elected on the promise of slashing government spending, cut state budgets. College costs, both public and private, began to rise; companies that had once paid for on-the-job training — essentially credentialing workers in their fields — began asking applicants to find training themselves, generally through some sort of college.
The cost of education shifted from a societal investment — spread across the tax-paying public, in the name of a thriving society and economy — to an individual one. And no matter how astronomically priced that investment became, we continued to rationalize it as a worthwhile one. Even in a culture that idolizes high-profile college dropouts (Bill Gates, Steve Jobs), to refuse higher education in America has become tantamount to refusing to fulfill your potential. And if you refuse to fulfill your potential, any struggle can and will be blamed on you alone.
“You have to babysit the company that’s supposed to be managing your loan,” Jarvis told me. “You have to be an expert in what you’re doing. It’s very, very hard for normal people. There really is a sense of shame that’s cultivated in the system. It’s very dehumanizing and punitive.”
When borrowers try to address their concerns to FedLoan employees — asking why a payment hasn’t been applied, asking for advice on how to navigate a job change, or asking them to properly label a payment or adjust an error — their concerns are often dismissed. These customer service agents are not experts in the labyrinthine, bureaucratic processes that guide the company that employs them. They’re working minimum-wage, high-turnover jobs, and have been trained to respond to complaints in a certain way.
“I have to explain to them that when ‘forgiveness day’ comes, any one of these tiny errors could disqualify me,” one borrower told me. “What I’ve found is that you really have to watch your loans like a hawk. You have to be your own relentless advocate.”
These mistakes on the part of Navient and FedLoan are not minor inconveniences. They’re $1,000, $10,000, $20,000 life-altering mistakes — mistakes that sink students further in debt, with financial ramifications that trickle down to the next generation. If research librarians struggle to navigate the system, imagine trying to do it as a full-time teacher, or a single mom working for a nonprofit, or as anyone, really, who doesn’t have the time or wherewithal to slog through misinformation and misdirection. Keeping borrowers confused — and thus paying for longer, while interest and servicing fees accumulate — isn’t a bug in the system. It’s a feature.
When I first spoke to Jen, she was dismayed that none of her payments had been counted toward forgiveness. She’d attempted to contact FedLoan to rectify its mistake, but did not have private space in her workplace to make calls — and the helpline only operated during her work hours. An online help chat resource disappeared from the website some months ago. A rep at the company told her a review would take 60 to 90 days. Then they told her it would take a year. But after we first spoke, she got “fired up,” in her words, and decided to try again.
She took a day off work to handle the phone calls. She created a spreadsheet of her past payments to provide as evidence to FedLoan. She contacted the Department of Education’s Federal Student Aid Ombudsman Group, which then escalated her complaint. Two weeks later, her account record reflected that she had, in fact, made 38 payments toward the 120 necessary for forgiveness.
She still has to fight for the payments made over the last year, but it’s a start. “I will do this every year until I hit that magical 120,” she told me. “What other choice would I have?”
This might seem like a happy ending, or at least a passable one. But it’s not. “I’m a black, first-generation college graduate who majored in sociology,” Jen told me, “and despite my background and literal coursework about structural racism and inequality, I’ve held this very romanticized view of higher education for most of my life. In my mind, it was the only way I could escape from the stress of how I’d grown up — with the constant threat of not being able to pay rent, buy groceries, or pay bills — and the only way I’d be able to find a job where I could make a difference. That view inevitably changed as I’ve gotten older, but I’m still sometimes amazed at just how many rungs there are on the ladder to the middle class, and how, even as I (finally) make a decent salary, how precarious it still feels.” Her student loan debt, Jen says, is one of the greatest reminders of that.
Jen’s words reminded me of something Frotman had told me — that we often think the only people suffering under student debt are those who have defaulted on their loans, or have fallen behind on payments. “But that’s not true,” he said. “You have people who had to get a degree, had to get a graduate degree to stay in their job. They have no savings. They have no retirement. They’re not putting away any money for their kids to go to school. And the cycle just keeps perpetuating itself.”
I think of Kathryn, a 35-year-old with $118,000 in debt from a degree in museum studies, which she said, as a “naive working-class kid,” she didn’t realize was a professional field that’s “basically closed to poor folks.”
“I am so far in debt that will never go away,” she told me, “and all those things people do in life — marriage, travel, homes, a career, not living with your elderly mom who you don’t get along with in a one-bedroom apartment, not being scared all the time — will never come my way. I miss insurance. I have been to the dentist once in 15 years. I’m pretty sure that if I ever get diagnosed with cancer, I’ll just let it take me. What could I do? I couldn’t afford to fight it.”
Kathryn’s despair is visceral, but that doesn’t mean that it’s rare, or atypical. “I don’t think about my debt without also thinking of suicide,” a 30-year-old with $43,000 in debt, told me. “At first I felt a great a deal of anxiety about my debt, and a sense of shame about being a failure and a parasite for being unable to afford the loans. I still feel shame and anxiety, but the sense of failure has been replaced with anger. Anger about being lied to, pressured, and exploited. We were told that we were making an essential, basically non-optional investment in our futures. Instead we are now indentured servants.”
Like so many others in this story and across the US, these students believed in the education gospel — an ideology that remains as robust as ever, with little room to accommodate ambivalence and regret. Education is still a wonderful thing. But the contemporary parameters surrounding it — in which the individual takes on the whole of the risk for their education, with little faith that programs intended to ameliorate the debt load will work, or that they will be able to seek recourse when they don’t — are broken.
People talk about “free college” like it’s a radical idea, but for many, the central appeal of the proposal isn’t the lack of tuition; it’s the lack of debt. That’s not radical. That’s what millions of Americans — mostly white, mostly middle class — have enjoyed for decades. Which is part of why it’s so hard for those same Americans, many of them now in or moving toward retirement, to fathom why subsequent generations have accumulated so much more debt than they did. It’s also why those whose families have long been excluded from higher education feel increasingly ambivalent about the sacrifices necessary to join their ranks.
“I can't describe emphatically enough what a heartbreak student debt has been,” one borrower told me. She’d gone to undergrad on a full-ride scholarship, excelled in her classes, and was encouraged by her advisers to apply to grad school, where she then took on $40,000 in debt. “I was brought up to believe that if I worked hard and had a good education, I would do well,” she said. “I worked as hard as I could and spent more time in school than most people and I honestly believe it ruined my life. My parents wanted the best for me and, because of their social class, weren't able to adequately help me navigate what student debt would become during my lifetime, and I know they feel horrible about that as well.”
Like so many in this story, she’s spent years fighting FedLoan to count her payments toward forgiveness. “The stats [on forgiveness] have been totally demoralizing,” she said, “and have pretty much eliminated the last vestiges of hope I had for building a life anything like what my parents have.” If education doesn’t elevate you, and your children and grandchildren, to the middle class — instead saddling you with debt — is it actually worth it? Or, if education is so valuable in and of itself, and shouldn’t be tethered to or contingent on one’s class status, then why is it so prohibitively expensive?
Tressie McMillan Cottom proposes that “at heart, higher education is both a means of redressing socioeconomic inequality and perpetuating socio-economic inequalities in new guises.” For so many of us, it is our salvation and our damnation. It gets us everywhere and nowhere. It is our pride and our shame. It is invaluable and worth nothing at all. American life is rife with contradictions. But in our current moment, few such contradictions feel as isolating, as disproportionate, as insurmountable and heavy , as attempting to reconcile the education gospel and the student loan industrial complex.
“I feel so scammed and betrayed by the government, which is honestly so naive,” Kathryn told me. “How did I ever trust they would do the right thing? I never should have dreamt about meaningful work. I should’ve settled for clerical work and been happy with it. I feel stupid for reaching for anything in life.” ●


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Old 02-12-2019, 06:35 AM
 
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I haven't read this yet, but I will, so thank you for posting!

I have a student loan with Navient and I wish mine could be forgiven somehow. I've prayed to God for a miracle because I don't have any extra money to pay a thing! I keep getting it deferred another year, which I know is bad and adding more interest, but I don't know what else to do.

Anyone have ideas?
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College costs are absolutely crazy and I can see why so many people are struggling. There are so many rules and specific criteria to any program for forgiveness.

I did successfully apply for and have $17.5k of my loans forgiven through the teacher loan forgiveness program. It took 3 tries, lots of reading along the way to make sure I was on track, and some very frustrating calls.

I say that only to offer help for anyone who needs it. It is a very exact application and they rejected it for some minor issues. I wonder how many give up snd don't question the first response.
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Old 02-12-2019, 07:24 PM
 
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Quote:
A staggering 77% of public school teachers are women, and women make up 73% of nonprofit workers. When that work is figured as less essential to a functioning society, investing in it collectively (through direct government funding, in the form of tax dollars, or indirect funding, in the form of loan forgiveness) is deprioritized or rejected altogether.
eeeemmmmm hhhhmmmmm! aint it a shame.

Shame on any president and cabinet who taken a dump on those who give of so much of themselves to essential societal needs and the good of the future American community. I often feel tired of being on the receiving end of that dump and then when you look at the gender bias that is sitting in the middle of it all it's just a lot to keep on taking while continuing eat this up with a knife and for (pinky raised).

But dont mind me I am having one of those days when the price of it all is very very clear to me and I feel every ounce of it on my shoulders.
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Old 02-12-2019, 08:40 PM
 
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I'm with Navient too. I tried for loan forgiveness under George H. W. Bush and Obama. I got the run around both times and didn't get what was promised. I retire in 4 years. Guess what?! My loan will be paid off right a out the time I retire. So not fair.


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Old 02-13-2019, 05:27 PM
 
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ElemSped13,

I have been paying for about 8-9 years. My loans are service by AES. Can you post link to information and forms that I can read more about the process and requirements.
By Golly, I could use a forgiving right now.
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I posted above, but if anyone has any company names and their links that helped waive or forgive any amount, please post it HERE!

I'm not working as a teacher these days, so I personally may not qualify for whatever stipulations these plans may offer, but I'm praying for some kind of miracle!
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Old 02-15-2019, 03:49 AM
 
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You can go to Navient.com under forms
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