p*********9
发帖数: 21 | 1 如题。如果law school 毕业了，只找X 万以下的工作，那么贷款本金可以waive 掉？
是这样吗？ |
p****e
发帖数: 2866 | 2 在public-intesest机构工作十年，可以waive student loans |
p*********9
发帖数: 21 | 3 但似乎又不是。MM是不是很清楚这个事？如果清楚，我可以私信MM我的情况吗？
【在 p****e 的大作中提到】
: 在public-intesest机构工作十年，可以waive student loans
|
p*********9
发帖数: 21 | 4 但似乎又不是。MM是不是很清楚这个事情？如果是，我可以私信MM我的情况吗？
【在 p****e 的大作中提到】
: 在public-intesest机构工作十年，可以waive student loans
|
S****r
发帖数: 472 | 5 Public sector 10-year student loan forgiveness applies all Fed student loans
, not just for law students. Also, there is 20-year Fed student loan
forgiveness no matter what sector you are working and how much you make.
Are your loans the Federal sponsored student loans (Stafford, Grad-plus)?
The private loans do not count. |
p*********9
发帖数: 21 | 6 Yes, it's fed loan. But right now it keep goes up, seems gov did not waive
any thing, my loan principal balance increased a lot |
p*********9
发帖数: 21 | 7 I am working for non profit, under 80K |
p*********9
发帖数: 21 | 8 I talked to my college, no one knows why my principal keep going up? School
says its fed program, complicated. I just wondering who should I call to? |
S****r
发帖数: 472 | 9 I don't think the waiver will start from beginning. If you work in non-
profit (btw, congratulation!) for ten years, your loan will be totally
forgiven.
【在 p*********9 的大作中提到】
: Yes, it's fed loan. But right now it keep goes up, seems gov did not waive
: any thing, my loan principal balance increased a lot
|
p*********9
发帖数: 21 | 10 You mean no need to worry about principal balance on the paper? Seems not
right yet, because I'm paying interest, the interest keep going up every
month
【在 S****r 的大作中提到】
: I don't think the waiver will start from beginning. If you work in non-
: profit (btw, congratulation!) for ten years, your loan will be totally
: forgiven.
|
|
|
S****r
发帖数: 472 | 11 What re-payment plans are you on? I guess you're probably not on normal ten-
year repayment plan, otherwise, your principal won't be up. You are probably
making too much to qualify your school's LRAP or IBR program.
If you are on new federal PAYE plan, you should not worry about your total
balance after 10 years (just make sure every job you take is PSLF eligible).
Also, maintain your monthly payment as low as possible (maximize your
deductible).
School
?
【在 p*********9 的大作中提到】
: I talked to my college, no one knows why my principal keep going up? School
: says its fed program, complicated. I just wondering who should I call to?
|
p*********9
发帖数: 21 | 12 thanks, I'm making a little over $80K, I shall check with my school again.
Anyway I was told under $80K will be fine, I'm in a fed court room now, it
pay a little over $80K. Darn! Do you think because this $80K thing?
ten-
probably
).
【在 S****r 的大作中提到】
: What re-payment plans are you on? I guess you're probably not on normal ten-
: year repayment plan, otherwise, your principal won't be up. You are probably
: making too much to qualify your school's LRAP or IBR program.
: If you are on new federal PAYE plan, you should not worry about your total
: balance after 10 years (just make sure every job you take is PSLF eligible).
: Also, maintain your monthly payment as low as possible (maximize your
: deductible).
:
: School
: ?
|
p*********9
发帖数: 21 | 13 If it's because of $80K+, do I have a chance to correct it? Id like to work
in non profit org. |
p*********9
发帖数: 21 | 14 谢谢MM， I have sent a private letter to you. Thanks a lot! |
S****r
发帖数: 472 | 15 PSLF eligible has nothing to do with your wage, you just need to make sure
you make 120 qualified payments and, at the end of ten years, file a PSLF
application to receive your loan forgiveness. Don't pay attention how much
you owe, its just paper money (not like me, have to pay tax on half-million
loan forgiveness).
The cons for making close to $80K are you won't qualify your school LRAP
program, which the school pays your loan interests on top of your monthly
payment so your principal won't go up. The good schools like Yale/Stanford
have LRAP cap as high as $75K but most of schools have the cap much lower.
work
【在 p*********9 的大作中提到】
: If it's because of $80K+, do I have a chance to correct it? Id like to work
: in non profit org.
|
p*********9
发帖数: 21 | 16 NYU. Am I in trouble? Graduated ... years now! First . year $75K, . year
83K, but I did not buy 401K, etc. do I have a chance to correct it?
million
【在 S****r 的大作中提到】
: PSLF eligible has nothing to do with your wage, you just need to make sure
: you make 120 qualified payments and, at the end of ten years, file a PSLF
: application to receive your loan forgiveness. Don't pay attention how much
: you owe, its just paper money (not like me, have to pay tax on half-million
: loan forgiveness).
: The cons for making close to $80K are you won't qualify your school LRAP
: program, which the school pays your loan interests on top of your monthly
: payment so your principal won't go up. The good schools like Yale/Stanford
: have LRAP cap as high as $75K but most of schools have the cap much lower.
:
|
p*********9
发帖数: 21 | |
S****r
发帖数: 472 | 18 Yeah, the key is making sure your monthly payment is NOT increasing with
your total debt, but with your monthly income. To do this, change your
payment plan to an IBR (income based repayment) plan or PAYE (pay as you
earn) plan. Do not overpay the government!
【在 p*********9 的大作中提到】
: Did MM see my 站内短信？
|
p*********9
发帖数: 21 | 19 Thank you very much, let me check my plan and get back at short messages
【在 S****r 的大作中提到】
: Yeah, the key is making sure your monthly payment is NOT increasing with
: your total debt, but with your monthly income. To do this, change your
: payment plan to an IBR (income based repayment) plan or PAYE (pay as you
: earn) plan. Do not overpay the government!
|
l**7
发帖数: 3940 | 20 这是个什么社会阿，连上law school的超级大精英们都开始算计政府的钱了，简直跟拿
min wage和food stamp的下三滥们并驾齐驱一起歌颂美利坚了。没救了 |
|
|
S****r
发帖数: 472 | 21 You are totally wrong. OP graduated a T6 law school, 70% her classmates went
to biglaw firms, which pay lock-step salary, starting 160K and 250K after
5 years. Most of the higher salary after tax goes to their 250K+ student
loan
payments.
Now OP chose to work for public sectors (which I am highly admirable), which
pay on average only 40K to 50K. This wage cannot even pay their interests
of 250K+ loan. If the government does not have PSLF (Public Services Loan
Forgiveness) program, who will work for the government?
【在 l**7 的大作中提到】
: 这是个什么社会阿，连上law school的超级大精英们都开始算计政府的钱了，简直跟拿
: min wage和food stamp的下三滥们并驾齐驱一起歌颂美利坚了。没救了
|
b*****e
发帖数: 53215 | 22 上法学院不就是图出来挣大钱吗 为了不还贷款挣那么点 图啥？还不如念个别的
went
which
【在 S****r 的大作中提到】
: You are totally wrong. OP graduated a T6 law school, 70% her classmates went
: to biglaw firms, which pay lock-step salary, starting 160K and 250K after
: 5 years. Most of the higher salary after tax goes to their 250K+ student
: loan
: payments.
: Now OP chose to work for public sectors (which I am highly admirable), which
: pay on average only 40K to 50K. This wage cannot even pay their interests
: of 250K+ loan. If the government does not have PSLF (Public Services Loan
: Forgiveness) program, who will work for the government?
|
S****r
发帖数: 472 | 23 不是所有人为挣钱到法学院的，特别是白人，很多人有为人民服务的理想或者想当官的。
【在 b*****e 的大作中提到】
: 上法学院不就是图出来挣大钱吗 为了不还贷款挣那么点 图啥？还不如念个别的
:
: went
: which
|
b*****e
发帖数: 53215 | 24 呵呵
的。
【在 S****r 的大作中提到】
: 不是所有人为挣钱到法学院的，特别是白人，很多人有为人民服务的理想或者想当官的。
|
D***o
发帖数: 7159 | 25 你别呵呵，我党就是为人民服务。说为人民服务的都是高度向我党靠拢的
lol
【在 b*****e 的大作中提到】
: 呵呵
:
: 的。
|
