My Student Loan Provider Re-Opened My Account!

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[@teachercaron]

This is why I decided to never apply for my "refund." Paid off my student loans in 2021 and have never felt better or looked back! Keep making payments and taking advantage of the interest-free period and get those out of your life 🙌🏻

[@genxx2724]

That sounds best for mental and emotional peace. Get the loans out of your life, don’t give it another thought, and move forward.

[@montymython754]

Same!!!

[@frankcoley1537]

Unless you were legitimately scammed by a school. Do NOT DO THIS. I went to ITT Tech. I applied for forgiveness YEARS before they started throwing it around like candy. They took care of it without sending me a check to pay it. Do not do that. This sounds shady and doesn't even sound like they delt with federal at all.

[@aweisen1]

When it goes through, could you let us know that you didn’t apply for a refund?

[@teachercaron]

@aweisen1 sure, I'll let you know 😂 If the legislation goes through, my husband will gladly accept the deduction off of the loans he hasn't paid yet, but I will not be going through the headache of applying for a "refund" and reopening those accounts that I was all-too-happy to close 🙂

[@katiejon17]

These student loan companies just need to be sued. They are making these decisions without any consent by the individuals.

[@jasonrodgers9063]

The entire student loan debt I accumulated (late 1970's) was... (drum roll, please)... $720!!! Seven-Hundred-Twenty Dollars! I paid it off several months after graduating. The whole problem is that such huge student loans are AVAILABLE, so colleges RAISE TUITION RATES ACCORDINGLY!

[@kittyearsheadbands8810]

School was way cheaper back then

[@frsp3403]

@@kittyearsheadbands8810 yes, largely because of what Jason just said

[@stevenporter863]

I am against loan forgiveness but the comment of late 1970s is comparing apples and oranges. Tuition increased way way more than inflation over that time period.

[@jasonrodgers9063]

@@stevenporter863 Absolutely!

[@Nostradevus1]

@@stevenporter863 Because infinite money has been available to the schools through student loans for decades. Just like the OP said...

[@SL-fu7sh]

Who is this new personality? I like her initiative. I’ve been out of the loop for a bit.

[@bettysmith4527]

meh, I feel like she doesn't have a clue what's going on.

[@SL-fu7sh]

@ Betty Smith- when did she come onboard and what’s her name? This is my first time seeing her. I like her energy but maybe her advice is a bit iffy. I’ll have to check her out more. I’m glad Dave is still doing shows and hasn’t turned everything over to his staff yet.

[@taylerlong2995]

@@SL-fu7sh I think it's Jade She's pretty new but so far I've appreciated what she's brought to the show.

[@brianasingleton3329]

I'm sure she knows what she is talking about. Dave Ramsey doesn't seem the type to hire loddy doddy everybody. I got a friend in Nashville that's been applying to work for him for 10+ years.

[@brightspacebabe]

Dave wouldn’t hire someone who doesn’t know what they are talking about😂

[@Brotmeister]

Thanks to Dave‘s phone calls I‘m learning economic basics. 😄

[@RosePenchansky]

If the loans are federal, the student loan pause is still ongoing. The lender should not tack on any interest because interest hasn't been accruing since 2020.

[@frankcoley1537]

That's why I tell people... PAY THAT STUFF OFF! kill it! Kill the loan totally

[@MrTmenzo]

Technically "they" didn't open it your wife did. She applied for the refund.

[@TCR2025]

Rid yourself of these loans and PAY THEM OFF

[@RMPANDA964]

If something here was very sketchy, I would suggest contacting the CFCB to report dishonesty. And I personally would take the loan servicer to small claims court for the interest if the account was not open with permission. Having said that, I’m sure there is way more to this story.

[@random-nz7dy]

I mean but I think the overall point to be had is look at what a nightmare this is created. Now they've got a finagle for endless days to weeks with the student loan company to find out what happened. An hour talking about possibly small claims court?? What a headache.

[@RMPANDA964]

@@random-nz7dy sure an hour may be worth it to get back a few hundred dollars in interest. If it’s a federal loan, then yeah no interest and there would be nothing for small claims court. Like I said earlier, there is probably more to this story

[@Jim_Curtis]

For the caller, there is nothing wrong with keeping the money you received aside in a separate savings account for 6-8 months and see if the federal govt actually does forgive part of the student loan debt. If not, then just pay it back and keep the interest. There is nothing morally wrong or unbiblical about it, no matter what Ramsey says. And Jade, come on, use common sense here. The wife probably called and got the so-called "refund" thinking it was free money. The govt does not just re-open student loans, people had to request it be done.

[@sandraquinton7749]

This comment is right. Use common sense. They are misleading people.

[@bena.3955]

I recently got Public Service Loan Forgiveness for working for the state for 10 years. It was such a relief and I am happy to be rid of it!

[@ashleymjenkins]

Me too!

[@keepitreal8939]

The wife got greedy and they got got.

[@aced1382]

That’s what they get lol

[@marchosch3876]

I am so glad I paid off my student loans. So glad. It took time, but I got it done. Never again.

[@josephhicks6989]

What is sad is a lot of people would buy a truck or go on vacation.

[@aplanefliesabove]

Every time I tell someone I am going to repay my student loans this year, they say apply for Student Loan Forgiveness! People truly believe anything, Washington says!

[@DMS1010]

People applying for money or forgiveness when the loan was closed. What the heck. The caller is trying to find a loophole and is being dishonest. Am I wrong?

[@georgewagner7787]

It's probably legal. But it's not moral to expect others to pay your debts anyway

[@chicanoazteca8614]

@@georgewagner7787 that's what student loan forgiveness is anyway. It's someone else paying your debt.

[@po2709]

No, you are correct.

[@amethyst4444]

No. You’re 100% correct!!!

[@DMS1010]

@@amethyst4444 just a lack of integrity and deceptive behavior.

[@ericsimpson4513]

Pay back 20k and wait to see if the other 20k will be forgiven. If not, pay the other 20k off. As long as you don't spend the 40k you will be fine.

[@jonathanwilliams3240]

My thoughts exactly. Let it sit in a high yield savings account to gain interest instead of losing interest during this pause, and refuse to spend it on anything until we know what happens to the forgiveness attempt. Then you at least make some extra progress with the help of high interest rates in those savings accounts during the freeze, and pay it all off once we know. It just requires a little self-discipline.

[@melifter8897]

Nope. Send that thing back in its entirety. Don’t try to get cute with the money.

[@Nmdresser]

@@melifter8897 love this. 1000% agree. "Cute" great way to describe it

[@Treerootz1]

This is what happens when you’re greedy

[@BrianW211]

Wait, what? The student loans were paid off but they still applied for student loan forgiveness? I assume this was an attempt to get back money that was paid during the pandemic when no payments were required. Wow.

[@melaniesanchez7317]

More or less. I was in a similar situation since I paid off my student loan debt during the pause. Supposedly, payments made during the pause could be refunded even if you had already paid off the full amount. Of course, I tried to apply, but my loan service provider gave me a weird answer. I don't remember what they said exactly, something like, "We will reimburse your payments at the same interest rate of the loans while they were open." That did not seem right. Why would they put interest on an account that had already been paid in full? I'm pretty sure that's what happened here. Anyway, I didn't go through with it.

[@JustinFedHR]

That’s what they get lol. You can’t get over on Uncle Sam.

[@TheAero36]

There is a part of the bill that would allow refunds on some payments made during the freeze so that those that did pay it off don't regret missing the forgiveness.

[@kat-oe7gb]

I requested the refund on parent plus loan, I have it in an account high yield savings account collect interest. If my loan is forgiven, great. If not, I will just pay it back. I am still ahead either way.

[@cathyandresiak1975]

They were scammed by a scammer. These scammers are all over the place!

[@DoctorSmartyPants]

No, it was the dept of education. Not scammers.

[@zainafyl]

😂😂😂😂 no one knows which is which anymore haha

[@e79422]

My son got an email saying he was approved for loan forgiveness and then a few months later they said he wasn't approved, it was a typo. Apparently the "typo" about approval went out to millions of people. It doesn't get any dumber than that.

[@stephencaramenico8698]

Careful with cashing the check. You could have state tax implications.

[@tracygaluszynski1868]

Not on a governmental loan.

[@Bmc2021]

Gov can spend trillions to Ukraine gov and people don't have any issues with it. Once they do something for the American people, they go against it.

[@MNixon130]

They reopened your account because they were letting people take back funds paid in during the pandemic. No interest is being charged on paused loans either. GIVE the money back. There must be some way to pay it back. Also, if it was loaned money it's not taxable. If it was income to wipe the loans from the books it could be taxable. If you wish you can wait for forgiveness to be shot down in court. There always a non-zero chance it survives, but very unlikely. If it does, then it's free money. Invest some time and read up on the issue.

[@brendasanchez5982]

Yup, it's really self-explanatory. I also requested for a refund, and it went back to the original balance. For a while I had that money in a HYSA, but the thought of having debt to my name bothered me so much that I returned my money. I'm moving forward from here on out. For anyone who did get a refund and wait for outcome, put that money away in a savings account.

[@JasmineAvril]

@@brendasanchez5982 HYSA is a great idea.

[@brucebankhead]

How is this not considered attempted fraud? A couple that no longer has student loans applying for student loan forgiveness.

[@amireallythatgrumpy6508]

Because there was no attempt at deception.

[@JeanValjean875]

Under the program (before it was overturned) it was perfectly legal for someone to apply for a refund if they had already paid their student debt. Otherwise, the program would have basically penalized people who paid off their loans early.

[@brianpeters9088]

PSLF is still a program, and if you meet the requirements, your loans can be forgiven.

[@christophercarrigg3775]

If anything these people are scoundrels for asking applying for debt forgiveness when they had no debt

[@Truthhurts10]

The refund is for ALL payment made during the forbearance. That’s why it’s 40+ k

[@InfoQReg]

Correction, there IS a student loan forgiveness program still valid. It is the Public School Loan Forgiveness Program. This is not part of the Supreme Court case that a decision is waiting on. Just wanted to clarify that from your comments made on this KZbin episode.

[@meiwa2020]

If you mean the public service one I've had friends who worked at qualifying hospitals for over a decade and then STILL didn't qualify for stupid reasons. Very few get their loans forgiven that way. Meanwhile they could have taken jobs that would have paid them much more and paid it off years ago

[@tonystone8584]

I got pslf, but it was very different. I was a public servant and paid on time over a long period of time. You can apply for that if you’re a public servant, but this other stuff is a little different.

[@GrowingGraycefully]

My husband just applied for this, he's just waiting to see if it's approved. Do you know if you have to pay taxes on the forgiven amount?

[@tonystone8584]

@@GrowingGraycefully no you do not. You receive a letter in the mail as well specifying that you don’t. I also got a check for about $1000 for the payments I made over the amount needed to qualify. It is real and I have all my receipts in I think I’m dreaming.

[@GrowingGraycefully]

@@tonystone8584 That's so awesome! I'm happy for you. Hoping for the same result for my husband. Thank you for the info. Happy New Year!

[@ashleymjenkins]

@@GrowingGraycefullyNot for Federal but check with your state.

[@dc76384]

College did you alot of good. No common sense. Pay the loan off, for God sake!! Student Loan Forgiveness is all smoke and mirrors.

[@angelalaskodi3459]

Brandon had student loan forgiveness all planned out to get those votes. So far it's backfired.

[@tracygaluszynski1868]

He knew it would be overturned.

[@amireallythatgrumpy6508]

@@tracygaluszynski1868 I don't think he knows much these days.

[@RM-qq5rj]

@@amireallythatgrumpy6508 His puppeteers knew it

[@amireallythatgrumpy6508]

@@RM-qq5rj That's more accurate.

[@petergriffinson1907]

Worked for Brandon but his voters still believe it 😂

[@Anthonydp]

If you have a high paying job $75k or more, I don’t see why you wouldn’t be paying the loans off.

[@Brooklyn_]

What a joke. let us care dutifully for our communities and selves so we don't need to rely on the gov! Romans13:8 Owe no man any thing, but to love one another: for he that loveth another hath fulfilled the law.

[@jh26pt2]

This situation gets to an underrated reason for eliminating debt - no more time or hassle applying for loans, collecting documentation, and having to deal with situations like this one. Time has a value, and I want to spend none of mine dealing with lenders.

[@zoraster3749]

You are 100% correct; well said.

[@MrJimmy3459]

yes, but some people like to complicate their lives

[@zybard01]

They sent you a check for $48k and said you qualified for a $20k loan forgiveness.... But first, cash the check and send them back $28k now in Target gift cards because they accidentally overpaid you

[@Azel247]

Someone got greedy and got bit. Important lesson to learn.

[@kelliconlan8133]

Jade...great addition to the team!!!

[@SavingsMinusDebt]

Smart move by the student loan provider. Most are going to cash that check quick

[@gooserich3970]

You have to give it to them 👏🏿

[@samuelkingo9995]

Lol he wife is goofy for accepting it after they paid off the loan. She thought she was getting free money

[@tracygaluszynski1868]

The loan was put back. They need the check to pay it off again.

[@muzerhythm2242]

Lesson: DON'T....TRUST....ANYTHING........FROM.......GOVERNMENT....E...V...E..R!!!!!!

[@beachcoconuts3]

I don't understand why they applied for student loan forgiveness when they already paid off their debt?????

[@joycewright5386]

Because they wanted to be reimbursed for the debt they paid! Unbelievable.

[@alanhodgson7857]

.gov sent them a letter saying they could get "free" money.

[@beachcoconuts3]

@@joycewright5386 right I thought debt forgiveness was for people who couldn’t afford to pay. They could clearly pay, that should not apply to them. Literally free money.

[@DoctorSmartyPants]

Because they wanted 20k free money.

[@Kimmotion1]

The cost of a college education is out of control.

[@blackworldtraveler3711]

It never bothered me. I can say no.

[@genxx2724]

2:00 If there is student loan forgiveness, it will be taxable income.

[@jimbragu]

not federally if received in the next few years

[@qdllc]

Depends on the terms. IRS can't tax you if it is declared exempt from taxation. For example, IBR/ICR debt forgiveness is currently taxable by the IRS. Forgiveness via the PSLF program is tax exempt.

[@finesupplements9698]

Ask yourself, when has trying to chase something advertised as “free” ever worked out in your favor? Kids chase “free”, adults pay their own way. Pay off your student loans.

[@teenyverse7707]

Paid off my loans in 2018, checked my accounts to make sure it's still paid off.

[@safye4]

Don't forget Dave filed for bankruptcy and happily accepted forgiveness of all his debt!

[@johnallen3497]

Dave is the biggest hypocrite when it comes to people getting out of debt

[@christophercarrigg3775]

At least he had debt. These people didnt and they still wanted money

[@EB-ok3io]

Wow and he tells everyone pay off your debt ‘it’s about integrity’ 😂

[@brianzmek7272]

Look he has advised some people to go in to bankruptcy but he says it is very difficult and costly so for most people it is not worth it.

[@bobberry1463]

Why you acting like he trying to hide it he says it all the time. If you think bankruptcy is debt forgiveness than you should file for bankruptcy

[@oldfordman68]

Write VOID in black shape across the front of the check and send it back registered mail / return receipt make sure you keep copies of the check and the return. You may even consider sending it FedEx and they have to sign for it

[@tracygaluszynski1868]

His loan is back on the books. He needs the check to pay it off.

[@oldfordman68]

@@tracygaluszynski1868 if the check is never cashed the money was never received

[@spankynater4242]

@@oldfordman68 but his loan has been reinstated, Whether he returns the check or not.

[@PepeToTheMooon]

Pay your bills and you won’t have these issues!!

[@queen.kristal8395]

hope kids know now go to a school you can afford

[@katrinahernandez8201]

I’ve not heard of anyone getting any checks yet since it is in court presently.

[@Nessaface02]

They still halted the interest and the pause until June 30. So no interest should be accumulating.

[@eurekahope5310]

Greed comes back to bite you.

[@amethyst4444]

THIS EXACTLY!!!!💯

[@kirapoodle]

Been there

[@Abmarp]

There is no interest until after they are supposed to make a decision after the ruling in February. If there is no decision, the interest rates/payments will begin 60 days after June 30th- the summer of this year. So, he should be good.

[@amireallythatgrumpy6508]

They will start the process of making the decision in February. It is unlikely that a final decision will be made before 2025 however.

[@Gio-ue8ps]

Nothing in life is free. There’s always a catch. Good video

[@ransom182]

Wait, what? YOu didn't have any debt but applied anyways?!? SCAMMY!

[@Poooridge123]

This call is misleading lol. The only way this happens as of today is she had to have requested the refund and didn’t read.

[@DitzyPanda]

My mother's servicer asks that individuals be ready to identify the exact payment dates and payment amounts that they wish to be refunded. :/ With that methodology, it's difficult for anyone to accidentally get a refund for an unknown amount. I wish the caller had named the servicer that reissued their loan so happily.

[@davidtirado5328]

Why not put the 48k into an high interest savings or a cd account? All payments are paused with no interest and possible forgiveness at the end. I would hold that and make money off of it until the day before interest starts accruing again.

[@crw662]

I think interest and payments started back on the first.

[@melifter8897]

Dumb idea for a whole range of reasons.

[@davidtirado5328]

@@melifter8897 "Whole range".... gives none. That's about right.

[@itchyisvegeta]

Why would someone apply for forgiveness for a paid off loan? People are stupid. If this family has to pay interest, they deserve it.

[@KH9th]

That's what they get for trying to get free money.

[@JW-gs1sn]

This advice is just dripping in political bias. I like some of the advice from this show, but your continual demonizing of student loan forgiveness and telling people to "it's never going to happen" is not looking out for their best financial interests. Interest is NOT building on federal student loans and no payments are due (You at least corrected yourself at the end of the clip, thanks for at least getting that right). The smart move is to cash that check, pay down the loan so your balance is the forgiveness amount, and deposit the rest of the money in a high yield savings account (Note that you would have enough there to qualify for promotional cash bonuses for a deposit that size). Then let it build interest but don't touch it until the supreme court makes its ruling. No one is going to "just forget" about $20K and you won't just let that repayment deadline go by since even if SCOTUS rules against the program it will still take a few months to start back up interest and payments. During that time this will be headline news. Either way you could be collecting interest on that money for a several months (few hundred dollars) or much more than that if loans get forgiven. Quit giving bad advice on this subject! You are making me question a lot of the other advice you give.

[@JW-gs1sn]

After commenting I realize that the smart move is actually depositing the full check amount in to a high yeilds savings account and waiting on the decision, then pay the balance off in full. That would net more money in their pocket in the long run.

[@christopherstimpson6540]

And 10% for the "Big Guy."

[@po2709]

The "big guy" already has more than enough money.

[@christopherstimpson6540]

@@po2709 For some, there is never enough...

[@ricoma6037]

I'm concerned that we continue to have this debate on the costs of college education while college is free to students in other countries that we compete with. So, as our students graduate with large debt, they now compete against students who do not have debt from foreign countries. 🤔 To me, it seems as if we are enslaving our own people and restricting our own advancement as a society. Just a thought.

[@ji-inroh495]

There aren't that many countries where it's completely free. The big problem in the US is the cost of higher education which is totally insane. And universities urging students to borrow as much as they possibly can.

[@spankynater4242]

In countries with free college, not everyone gets to go to college like they do in this country. Only the top-tier students get to go to college.

[@spankynater4242]

@@ji-inroh495 and when it is free, their taxes are outrageous.

[@BTrain-is8ch]

Enslaving? Go to school. Get a degree in something useful. Clear the debt in 3-5 years if you make an earnest effort at it. It's not rocket science. Paying for college via taxation only benefits the people who can't be bothered to follow those instructions or don't finish aka people who aren't likely to provide value in excess of the cost of educating them.. The people that make good choices (read: learning something useful that translates to real world value) get punished in the form of an education that's more expensive than what they otherwise would have paid.

[@kellyy9349]

Spending some else money is never free. Sooner or later you got to pay back + interest.

[@dawnware94]

The interest free period is still in effect.

[@Operation9595]

TOOOO LATE. MILLIONS HAVE ALREADY GOTTEN REFUND CHECKS.ALL THROUGH OUT THE PANDEMIC, PEOPLE WERE INCREASINGLY getting refund checks.not me though😮‍💨😮‍💨

[@masonmahaffie4134]

She needs to take Dave's lead more and stop jumping in and trying to feel validated. It is so distracting.

[@murderofcrows7738]

I’m so tired of cohosts tripping over themselves to agree with Dave. It doesn’t feel natural, it feels desperate for his approval. George and Rachel are the only ones able to add an additional perspective. There’s no point in having a cohost if they are just going to be Dave’s Dwight Schrute.

[@phillipsouthard8285]

If you paid on your loans since the pause started, you can request a refund of any of those payments made in that time. I'm guessing that's what happened here accidently.

[@andidede3653]

Right, but they will open your account back up for that amount because like Dave said the program has stalled in the courts and there is no guarantees it will go forward so the servicer can't forgive it yet.

[@phillipsouthard8285]

​@@andidede3653 You've misunderstood what happened. The account wasn't reopened and a balance added because they applied for the student loan forgiveness. If that was the case, my wife's would've done the same thing and it hasn't. They some how requested those payments back and it opened their account back up and added the balance.

[@EB-ok3io]

Still doesn’t make sense to me. If it was paid off already how can they call the check a refund if they’ve re-applied the debt.

[@jendaly4905]

​@@EB-ok3io they refunded payments made since March 2020 when the pause was put in place. Since payments were voluntary during this time you could request they be refunded. Once refunded they now have a balance that can be forgiven. And they have the money still to pay off the remaining balance above what is forgiven. These loans are not accumulating interest while they wait for the courts.

[@EB-ok3io]

@@jendaly4905 Great explanation. Guess it would make more sense to me if they just waited until everything was settled in court then issued refunds.

[@hennessyblack5891]

Suckers lol! I know someone done this

[@bigbigmurphy]

How many voted for him because they thought they were gonna get a free pass?

[@175dell]

I wonder if the treasury is doing this so when you get the check you get tempted to spend it on something else, then bam, you're stuck paying off these loans slowly again. Much like when you get an insurance check to get your car fixed, a lot of people end up spending it on something else, the car never gets fixed.

[@PatentRob]

She's fine.

[@flea4061]

Oh, come on. Its an accounting error. Just send them the check back. What he's leaving out is the fact that his wife ignored all the letters asking him to send the money back.

[@vanesslifeygo]

what a carrot analogy. I don't think I will forget that analogy.

[@dnah02]

F around and find out in real time

[@amethyst4444]

😂😂😂😂😂

[@brightspacebabe]

This is why you don’t accept a “handout”from Brandon.💯Nothing is free….And where is the paperwork of proof they paid off the debt?

[@SLangel18]

He didn’t get a loan payoff letter?

[@teenyverse7707]

I did not receive a paid off letter when I paid off my student loan.

[@jamesrichey2434]

I did and then a check

[@MrNiceGuy500]

Like any other loan it’s legally binding and you have to pay off the loan that you took.

[@tracygaluszynski1868]

They did, but after paying it off they got the check and the loan was put back on the books.

[@DoctorSmartyPants]

That's not what the call was about.

[@spankynater4242]

@@tracygaluszynski1868 because they applied for loan forgiveness, so we’re reimbursed their payments.

[@zmack1830]

She. the co-host is good but getting a little slower and a bit reticent will make her better!!!

[@jonathanmcknight8296]

Why apply for student loan forgiveness if it was paid off?

[@angelbabe1977]

She was stupid for applying for it without doing research!!! They just need send that check back to them!!

[@marconavarro1837]

No interest due if it’s a public loan because it’s still in forbearance.

[@guevarasamson1165]

Did he really need to call Ramsey to figure this problem out? Imma need him to think for himself. He’s a grown man. Truth is, he was tempted to keep this money. Because just repaying the balance is a decision that a middle schooler could make

[@AlekcisIwiye]

Lol right? Some of these calls just amaze me

[@ginger6582]

What is wrong with clarification?

[@zanakaysag3839]

I’m glad he called. He may have caused others not to apply for the 'refund’ or made others aware that their loan was reopened after receiving the ‘refund’ cheque

[@danmacgowan8242]

How many times have we heard Dave say its 10% Head Knowlege and 90% Action?

[@barnabusdoyle4930]

Its genius for these lenders to be issuing refunds on the payments made when interest and payment requirements were frozen. People will think it’s their forgiveness because most aren’t paying attention. This way all payments made during the no interest period will be sent back and the lender gets late fees when payments start back up and people think their loan is paid off

[@HighwayLand]

WOW!!!! This should be illegal!!! I AM DUMBFOUNDED!!!

[@makdaddy8399]

Tens of thousands of people joined the military and served their country to qualify for student loan repayment. These poor babies are crying because they got a letter in the mail........the newest generation.

[@jhutny]

We're the generation that gets to make decisions for you when your incapable of making them any longer 😉😂

[@lucristianx]

So you’re saying people don’t join the military out of patriotic valor? It’s for the benefits? The blasphemy! Back in my day we joined the military because of a poster with Uncle Sam wanting me to join. And we walked 15 miles in the snow barefoot to enlist! We don’t make them like they used to. That’s for sure.

[@makdaddy8399]

@@lucristianx not what I’m saying at all but think as you wish. Just fact.

[@jimmymcgill6778]

My loans were forgiven. After it want bankrupt like a year after I graduated. It was one of the for profit schools, that lied to everyone about job placements, and the success of their school.

[@georgewagner7787]

My boss at city university calls them proprietary schools. We warn students against these

[@danmacgowan8242]

I believe the laws on that were passed a while ago. The people with loans were essentially treated as victims of fraud because they did not get enriched. The for-profit schools did.

[@crusaderstronghold2340]

Sounds like a class action in the making

[@Samantha-bj5xm]

Absolutely

[@fhuber7507]

Report the a$$hat loan company for identity theft.

[@9liveslisa]

That's really messed up.

[@random-nz7dy]

Regardless of your opinion on student loan forgiveness you would be silly try to start moving forward with your loan servicer on this. Nobody knows how this is actually going to pan out legally or technically. If you would theoretically qualify you can always apply for it when and if actually really truly happens. Which is may not. So regardless of your opinion your best course of action is to just operate like it isn't happening. If it does? Sure explore the logistics. But don't be stupid when it hasn't even happened yet.

[@spankynater4242]

No, it’s much better to just take care of your own business and not worry about what might or might not happen, when you have no control over that.

[@random-nz7dy]

@@spankynater4242 That's what I'm saying. You should essentially operate like it's not happening and then if it does and it actually really truly does happen you can evaluate how you could go about getting the refund at that time. Until there's something that's actually official you shouldn't start ingling towards trying to get the process going

[@michaelleahy6848]

At least pay the $28k in excess of the $20k forgiveness potential, and hold the $20k until the Supreme Court strikes it down

[@ssdskully]

They had to have requested a refund right (a lot of people did that)? I applied for the forgiveness after paying off $30k in April of 2020 and I didn't get a check.

[@cwilliams7017]

She might have qualified for public service loan forgiveness. Why else would she have gotten a check? And some people are talking about taxing it, so there's that too.

[@pmw3839]

That is the trouble with hiring private companies for this sort of service. There’s plenty wrong with the UK, but that would never happen here, because it would be dealt with by a non-profit making body (the civil service, or the Council). That is shocking behaviour. You should have an ombudsman or something, that can put these wrongs right.

[@Gus_Chiggins]

I never thought I would miss George

[@erna5427]

Thanks for the good info, but please watch how you talk about this man's wife at the beginning. You did try to cover at the end but the words and negative tone is already out of your mouth. If you can't see it, ask someone outside of your circle. It's there. Wishing you well, Mr. R.

[@scott4825]

There are some forgiveness programs for teaching or public service, but they aren't retroactive. You can have a current balance paid off. I have no ideal what the wife tried doing. Nuts.

[@ecouhig]

I like this girl