student loans
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1,961 prompts
- Can I use my phone number instead of an authenticator app to recover a forgotten FSA ID on the student aid website?Informationalindex seed1 search6 cited10/31/2026Federal Student Aid recover forgotten FSA ID phone number instead of authenticator app account recovery
- What are the current guidelines for combining spousal consolidation loans through the federal consolidation loophole before the regulatory window closes permanently?Informationalindex seed3 searches7 cited10/31/20262026 federal spousal joint consolidation loans combining loophole regulatory window deadline Department of Education guidelinesJoint Consolidation Loan Separation Act application deadline 2026 spousal consolidation loans Department of Educationfederal student loan double consolidation loophole deadline July 1 2025 current rules 2026
- My MOHELA public service loan forgiveness form has been processing for six months without updates so who do I call todayInformationalindex seed2 searches6 cited10/31/2026MOHELA PSLF customer service phone number hours 2026 officialFederal Student Aid Ombudsman contact phone PSLF complaint official 2026
- What happens to a co signer obligations if the primary borrower decides to consolidate or refinance their student loansInformationalindex seed2 searches4 cited10/31/2026student loan cosigner obligations refinancing consolidation federal Direct Consolidation Loan cosigner private refinance cosigner release CFPBFederal Student Aid Direct Consolidation Loan cosigner responsibility private student loans refinance cosigner release
- MOHELA says I am missing employment verification for public service loan forgiveness so how do I fix this todayInformationalindex seed3 searches5 cited10/31/2026MOHELA missing employment verification PSLF how to submit employment certification current 2026 StudentAid.gov officialsite:studentaid.gov PSLF employment certification form submit employer electronic signature 2026site:mohela.studentaid.gov PSLF employment verification missing employment certification
- What hardship programs does Nelnet currently offer if I cannot afford my standard repayment plan due to unexpected medical bills?Informationalindex seed2 searches5 cited10/31/2026Nelnet student loan repayment hardship options medical bills income driven repayment deferment forbearance 2026Nelnet private student loans hardship assistance reduced payments forbearance 2026
- How does refinancing a student loan with Earnest impact the death and disability discharge protections that federal loans originally came with?Informationalindex seed2 searches7 cited10/31/2026Earnest student loan refinancing death discharge disability discharge policy officialFederal student loans death discharge total permanent disability discharge official StudentAid.gov
- What options exist for a retiree who wants to voluntarily pay down a defaulted student loan to get out of administrative wage garnishment?Informationalindex seed3 searches8 cited10/31/2026site:studentaid.gov default administrative wage garnishment rehabilitation consolidation stop garnishmentsite:consumerfinance.gov student loan administrative wage garnishment hearing hardship retirement incomeFederal Student Aid defaulted federal student loan administrative wage garnishment stop garnishment rehabilitation consolidation repayment agreement 2026
- What happens to my student loan repayment schedule if my small business has to file for Chapter 11 bankruptcy this year?Informationalindex seed2 searches6 cited10/31/2026U.S. Department of Education student loans bankruptcy filing automatic stay repayment obligations business bankruptcy Chapter 11 personal loansU.S. Courts Chapter 11 business bankruptcy automatic stay non-debtor individuals student loans discharge undue hardship
- How do I determine which specific Department of Education servicer currently holds my FFELP loans that were recently transferred out of Navient?Informationalindex seed2 searches6 cited10/31/2026Navient FFELP loans transferred out of Navient new servicer 2025 2026 officialFederal Student Aid find loan servicer FFELP loans StudentAid.gov My Aid official
- How do changes in household size affect the monthly payment calculation under the SAVE plan for parents managing multiple loans for different children?Informationalindex seed2 searches2 cited10/31/2026SAVE plan status October 2026 court injunction current student loans Department of EducationSAVE repayment plan household size family size calculation multiple loans per borrower official Federal Student Aid
- Does paying off high interest student loans aggressively make more sense than reinvesting that extra cash directly back into my growing small business?Informationalindex seed1 search2 cited10/31/2026student loan repayment versus small business reinvestment high interest debt financial planning tax deductibility student loan interest IRS
- How do federal loan rehabilitation and consolidation differ as methods for getting out of default for someone living on a fixed retirement income?Informationalindex seed3 searches8 cited10/31/2026Federal Student Aid default loan rehabilitation consolidation comparison income expenses Social Security retirement 2026Federal student loan rehabilitation reasonable and affordable payment alternative income expenses officialFederal student loan default consolidation repayment plan credit report default notation official
- What are the absolute newest rules regarding total and permanent disability discharges for veterans who have student loan debt?Informationalindex seed4 searches7 cited10/31/20262026 latest federal student loan total permanent disability discharge veterans VA data match rules Department of Education regulations tax treatmentsite:studentaid.gov disability discharge veterans VA 100% service connected TPD discharge automatic opt out rulessite:ecfr.gov 34 CFR 685.213 veterans total permanent disability discharge VA unemployability
- How does Earnest calculate interest rates for student loan refinancing when we use a parent cosigner versus applying alone?Informationalindex seed2 searches7 cited10/31/2026Earnest student loan refinancing cosigner interest rate how rates calculated co-signer credit income officialEarnest student loan refinance cosigner parent apply alone rate underwriting factors official FAQ
- Why does the StudentAid gov login keep redirecting me in an endless loop between my account profile and the federal dashboardInformationalindex seed2 searches3 cited10/31/2026StudentAid.gov known login issues redirect loop account profile dashboard 2026StudentAid.gov login redirect loop account profile dashboard troubleshooting cookies official
- My daughter is worried about her interest capitalization after a long period of forbearance, so can you explain how that gets added to her principal balance now?Informationalindex seed2 searches5 cited10/31/2026Federal Student Aid interest capitalization forbearance ending July 1 2023 capitalization rules officialFederal student loan interest capitalization forbearance private loans capitalization rules official
- What are the step-by-step guidelines for setting up a sinking fund specifically to cover future student loan payments?Informationalindex seed1 search2 cited10/31/2026CFPB budgeting savings account automatic savings student loan payments sinking fund guidance
- How do I recover access to my FSA ID if I no longer have access to the authenticator app I set up last year for my taxes and financial aid?Informationalindex seed1 search6 cited10/31/2026Federal Student Aid account lost access authenticator app multifactor authentication recover FSA ID official
- What steps are required to start defaulted federal loan rehabilitation when the original lender no longer exists and the debt was sold to a collection agency?Informationalindex seed3 searches9 cited10/31/2026Federal Student Aid defaulted federal student loan rehabilitation collection agency original lender no longer exists steps officialsite:studentaid.gov/manage-loans/default/get-out federal loan rehabilitation loan holder collection agency rehabilitation agreementsite:myeddebt.ed.gov rehabilitation defaulted federal student loans contact collection agency
- Does Aidvantage charge any fees for income driven repayment plan processing or loan consolidation applicationsInformationalindex seed2 searches2 cited10/31/2026Aidvantage fees income-driven repayment application processing loan consolidation application fee officialFederal Student Aid loan consolidation no application fee income driven repayment application free servicer fees
- What happens to my student loans if I decide to go back to school for a masters degree while still owing money from my bachelors?Informationalindex seed1 search7 cited10/31/2026Federal Student Aid in-school deferment graduate school existing undergraduate loans half-time interest accrual Direct Subsidized Unsubsidized
- How do I prove my adjusted gross income to MOHELA when my small business taxes are filed on an extension this seasonInformationalindex seed2 searches5 cited10/31/2026MOHELA income driven repayment alternative documentation income tax return extension self employed AGI proof 2026Federal Student Aid IDR application alternative documentation income tax return not filed self employed income proof
- I haven't logged into my student aid account in years and completely forgot my FSA ID username and password, so how do I recover it now?Informationalindex seed1 search3 cited10/31/2026Federal Student Aid recover FSA ID username password account recovery official steps 2026
- What are the pros and cons of using a debt avalanche versus a debt snowball repayment strategy when tackling both high-interest private and low-interest federal loans?Informationalindex seed1 search4 cited10/31/2026debt avalanche vs debt snowball student loans high interest private federal loans pros cons CFPB Federal Student Aid repayment strategies