I decided to go for a career with Keiser University. I signed up for my Associates Degree in 2009. Passed and got my diploma. The school promises that you’ll get a job with $13.00/hr pay or more. For 2009, that’s awesome. Jobs were hiring at $9/hr and was told time and time again that Medical Assistants don’t get paid much. So I decided to go back to school to further my education. I should’ve stopped there but all I could think was getting a Bachelor’s degree so that I could provide for my daughter.
I was one month away from graduating and getting my Bachelor’s degree but the school wouldn’t let me pass the last class. I asked for Tutoring as they offer free tutoring but the Tutor told me to “figure it out myself “. I tried getting outside tutoring but no one was available even reached out to the teacher and he wouldn’t answer my emails. I tried everything. Then I decided to continue my schooling elsewhere and finish with another school. THE CREDITS ARENT TRANSFERABLE!!! If I signed up to a new school, I’d have to start from scratch and still pay Keiser University. I reached out to the Education Department. They mentioned about a program that they had that was the Borrower’s to Defense. I applied and with time, all of my federal loans were canceled. But my private student loans for my Bachelor’s degree are still lingering. I have a part time job where I don’t make much money. I tried reaching out to Keiser University but they ignore me. Telling me that I must uphold the Promissory Note. But if my private loans aren’t attached to a course or a degree, what am I paying? Wouldn’t the school have to return that money? I need help. Please. I feel like I’m drowning.

Hello everyone, I was curious to know if I could still get any help from Fafsa once I obtain my first bachelor's degree? I have heard that the pell Grant, and I believe one of the other loans becomes unavailable. I was just wondering, just in case I decided to go back to school in the future.

Hi everyone,
This is a bit unusual for me to post, but I’m reaching out because I’m in a difficult situation and could really use some guidance or help.
I’m an international student in the US pursuing a degree in STEM. Education has always been important to me, and I’m working hard toward my goal and using my skills to make a positive impact in the future.
Unfortunately, as an international student without family in the United States, financing my education has been incredibly challenging. I currently have a significant tuition balance, and I’m exploring student loan options to help me continue my studies. One of the biggest obstacles is finding a qualified U.S.-based co-applicant who could help me qualify for a loan.
I know this is a big ask, especially from someone you don’t know personally. I’m not expecting anyone to take such a responsibility lightly, and I completely understand the financial risks involved. I’m simply hoping to connect with someone who might be willing to discuss this possibility or point me toward legitimate alternatives for international students in my situation.
I’m happy to provide appropriate documentation, discuss the loan terms transparently, and answer reasonable questions so that anyone considering helping can make an informed decision.
If you have experience with student loans for international students, know of organizations that help students in situations like mine, or are willing to have a conversation, I would genuinely appreciate hearing from you.
Thank you for taking the time to read my post. Any advice, leads, or support would mean a lot to me.

I make like 38k a year. I'm confused by this whole mess. Initially my instincts were to ride this out because I found it odd that the Feds weren't just kicking me off SAVE right away. It occurs to me that maybe there are legal challenges I'm not aware of that would render the government unable to actually kick us off SAVE. That said I've seen people saying they were kicked off and enrolled in the standard repayment plan automatically. I just haven't seen very many. Ive also seen people saying they got a 30 day extension, but that doesn't appear to be a guarantee even though the Feds appear to have said it is.

My instincts are now telling me to hedge my bets and take the IBR plan and just start making payments. RAP is $96 a month but goes until 2046, and I just don't really trust it because it's Republican's baby. IBR seems like the safest option. I just wanted input from other people that know more about this than I do. Do you think I'm making the right decision by applying for IBR? I just don't think that I'm willing to play chicken with the Federal government anymore.

I’m completely baffled by my student loans and am battling an illness so I don’t have the time or capacity to figure things out right now. I’m hoping to find someone to just manage all of it for me, so what money I do make isn’t garnished.

Someone recommended student loan tutor as they manage everything. I’m willing to pay on an income based repayment plan and after doing some digging it looks like this company gets loan payments to basically zero, by having you change a paycheck. Is this true? How is this legal? I’m confused, if a large company is doing this, it can’t be illegal, right? Due to liability?

I guess I’m just trying to understand all the options and was curious about opinions and experiences. I’ll probably see if I can find a cpa to help.

Looking for some advice on how to handle a recent change. For some context:

I've made roughly 100 payments towards PSLF and I'm on an IDR plan, which had my monthly payment at $36.19. I've made consistent payments every month and nothing has drastically changed with my salary (I'm a 5th grade teacher). Back in July, I got a message from Mohela stating that my monthly payment would increase to over $600 per month. I was miraculously able to get ahold of somebody to speak to to dispute the increase. They placed me on "administrative forbearance" while they looked into it. Through that time, I continued to make my $36.19 payments. The administrative forbearance period recently ended, and I've since gotten several different notes from Mohela with varying amounts listed as being owed. All in all, it seems as if my November payment will be in the $600+ amount. I haven't been able to get ahold of anybody that can give me more information... every time I call, I get rerouted a million times until I'm placed on a 5-hour hold or they auto hangup.

So my question... do I have any recourse in keeping my payment at a similar amount to the $36.19? I'm so close to my 120 payments but the jump to over $600 seems extreme. Can I keep making lower payments or will that defeat the purpose and not count towards my PSLF?

Any advice is much appreciated!

Cross-posting for visibility to see if anyone is going through the same thing re: autopay dispersements not being counted towards your loans and being considered past due.