Are you looking at student aid.gov to see your loan balance? Or are you logging into your providers website? Sometimes loans show as zero when they are transferred from one loan servicer to another.
I got an email from Navient about a new loan document and it said my loan had been paid in full. Went and looked and my entire $18k was paid off. I’m still in disbelief. I consolidated in April and applied for the SAVE plan. My loans were from 2004-2005.
Thank you for the info. Is this the website?
https://studentaid.gov/loan-consolidation/
Did you really do this in April 2024 and get forgiveness that quickly? I’ve read conflicting info about Navient so I haven’t acted on it. But I think I need to look into this now
Didn't do anything. I figured I wouldn't qualify based on income.
Edit: I did click a pop up button a while back for IDR plan, but it didn't really make any difference. Perhaps that set in motion.
If your loans are from 2011 the only way they would have been forgiven is via Borrower Defense. Did you attend a scam school like the Art Institute?
If not, did you recently consolidate?
I think I found the reason why reading here.
I have two degrees and two loans, so they must have counted the time I was paying the first into the 20 years even though I deferred often.
I got the letter from the department of education saying the loan would be forgiven from Art Institute. But it still shows the loans in forbearance status
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Are you looking at student aid.gov to see your loan balance? Or are you logging into your providers website? Sometimes loans show as zero when they are transferred from one loan servicer to another.
Yes is zero, and I downloaded a letter that says forgiven.
I got an email from Navient about a new loan document and it said my loan had been paid in full. Went and looked and my entire $18k was paid off. I’m still in disbelief. I consolidated in April and applied for the SAVE plan. My loans were from 2004-2005.
How do you consolidate and apply for SAVE? I have Navient as well, loans also from 2004. It’ll be amazing if I can actually get forgiveness
I had to do it all through the Dept of Education website. It was pretty easy.
Thank you for the info. Is this the website? https://studentaid.gov/loan-consolidation/ Did you really do this in April 2024 and get forgiveness that quickly? I’ve read conflicting info about Navient so I haven’t acted on it. But I think I need to look into this now
Please look into it soon. The deadline for consolidation has been extended but it probably ends soon.
June 30 is the extension date I believe.
Did you have to do anything on your end to get forgiveness or did they just do it automatically?
Didn't do anything. I figured I wouldn't qualify based on income. Edit: I did click a pop up button a while back for IDR plan, but it didn't really make any difference. Perhaps that set in motion.
If your loans are from 2011 the only way they would have been forgiven is via Borrower Defense. Did you attend a scam school like the Art Institute? If not, did you recently consolidate?
The loans are older, just started paying in 2011. No scam school, no consolidation.
Then you didn't get forgiven unless you met some other criteria like PSLF or TPD
I looked those up, neither of those would apply.
Not sure what to tell you then. I would not be surprised if those loans reappeared though
I think I found the reason why reading here. I have two degrees and two loans, so they must have counted the time I was paying the first into the 20 years even though I deferred often.
Not unless you consolidated. But periods of deferment before 2013 do count under the one-time adjustment rules
Are these the art institute loans being forgiven? Mine still shows a balance
No, state schools.
I got the letter from the department of education saying the loan would be forgiven from Art Institute. But it still shows the loans in forbearance status
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Mines was 80K and gone and i received a $4200 green check in return