So my student loans are finally eligible for discharge

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Why not just pay the debt you chose to assume?

Because you don't have to? Why would you pay money you don't owe?

because you do owe it

I assume OP is getting the debt discharged under some form of income-based repayment after 20ish years of payments. That program functions as a modification of the existing contract that OP signed so OP is paying pursuant to the terms of the loan agreement.

+1. OP is satisfying her debt. People negotiate debt down all the time. Hell, this was one of Trump's go-to business moves -- just refuse to pay his bills, wait until they sue him, then negotiate a lower pay off amount. He did this over and over again. OP didn't even do it intentionally, the government independently renegotiated her debt on her behalf and now she's eligible for discharge. Totally on the up and up.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Why not just pay the debt you chose to assume?

Because you don't have to? Why would you pay money you don't owe?

because you do owe it

I assume OP is getting the debt discharged under some form of income-based repayment after 20ish years of payments. That program functions as a modification of the existing contract that OP signed so OP is paying pursuant to the terms of the loan agreement.

+1. OP is satisfying her debt. People negotiate debt down all the time. Hell, this was one of Trump's go-to business moves -- just refuse to pay his bills, wait until they sue him, then negotiate a lower pay off amount. He did this over and over again. OP didn't even do it intentionally, the government independently renegotiated her debt on her behalf and now she's eligible for discharge. Totally on the up and up.

technically I did something by consolidating into direct loans. My loans were so old they were before all of these current programs

[Anonymous]

Op here again. Nelnet emailed me. I qualified in aug 2024 so I’ll be getting a refund from nelnet and likely I need to amend some returns due to technicalit not paying interest in part of 2024 and all of 25

[Anonymous]

Pay your debt. Don’t be a roach of society.

[Anonymous]

Anonymous wrote:

Anonymous wrote:All the POSs claiming it is a moral failure to use a federal program to which they are entitled by law will happily take all the tax deductions and federal grants and contracts they can get. Remember the forgivable COVID loans that went to wealthy people? Gmafb

Yup. Classic projection.

I also don't think people realize how predatory this stuff gets. 17 year olds get told they must go to college and go to the best possible college. Look at how much this forum STILL pushes expensive "elite" schools, 20 years ago it was worse. So they sign up and don’t have a reasonable idea of just how much the interest is going to end up costing them.

[Anonymous]

What's rich is that the One Big Beautiful Bill Act has a new repayment plan called "Repayment Assistance Plan". It also has a loan forgiveness provision after 30 years. And, no single Democrat voted for that bill.

[Anonymous]

Anonymous wrote:What's rich is that the One Big Beautiful Bill Act has a new repayment plan called "Repayment Assistance Plan". It also has a loan forgiveness provision after 30 years. And, no single Democrat voted for that bill.

Because it's demonstrably worse than what existed before.