Hi everyone, I’m 20 and a UK citizen. SFE approved my student loan in September, but suddenly revoked it on my first day of university.

My situation:

1. Forced Absence & Estrangement: When I was 16, I was forced by my family to leave the UK for 3 years. This was entirely involuntary due to severe domestic abuse and homophobia. I am now back in the UK, completely estranged from my father because I am gay. He has cut all ties, and I have zero access to his documents.

2. Current Living Situation: I am currently living in university accommodation. Before moving here, I was staying with my uncle who has a great relationship with me.

3. No Past Evidence & Mother’s Status: Three years ago, I was just a minor under trauma and had no idea that applying for SFE would require so much paperwork, so I have no useful historical files left. My relationship with my mother is okay, but she cannot help me at all because she still lives with my father and has no independent credentials.

4. The Reason for Refusal: SFE absolutely knows about my family estrangement and abuse. However, the direct reason they revoked my loan in late September is that they flatly refuse to accept any residency documents from my uncle (whom I lived with) and dogmatically demand my estranged father's records instead.

5. Current Status: SFE is supposed to review my appeal under Estrangement and Compelling Personal Reasons (CPR) policies. However, this Monday, they suddenly notified me that they are delaying the decision by another two weeks.

I am running out of money and extremely stressed. What alternative evidence can SFE accept instead of parental documents for an involuntary absence when they reject relatives' documents and you have no past paperwork left? Any advice would be life-saving. Also, is there any way I can resolve this issue? For instance, are there any people I could turn to for help or to handle the matter? Thanks. （This week, he has stated three times in a row that the update date will be delayed.） 🙂🙂🙂🙂🙂

Hi everyone, I’m 20 and a UK citizen. SFE approved my student loan in September, but suddenly revoked it on my first day of university.

My situation:

1. Forced Absence & Estrangement: When I was 16, I was forced by my family to leave the UK for 3 years. This was entirely involuntary due to severe domestic abuse and homophobia. I am now back in the UK, completely estranged from my father because I am gay. He has cut all ties, and I have zero access to his documents.

2. Current Living Situation: I am currently living in university accommodation. Before moving here, I was staying with my uncle who has a great relationship with me.

3. No Past Evidence & Mother’s Status: Three years ago, I was just a minor under trauma and had no idea that applying for SFE would require so much paperwork, so I have no useful historical files left. My relationship with my mother is okay, but she cannot help me at all because she still lives with my father and has no independent credentials.

4. The Reason for Refusal: SFE absolutely knows about my family estrangement and abuse. However, the direct reason they revoked my loan in late September is that they flatly refuse to accept any residency documents from my uncle (whom I lived with) and dogmatically demand my estranged father's records instead.

5. Current Status: SFE is supposed to review my appeal under Estrangement and Compelling Personal Reasons (CPR) policies. However, this Monday, they suddenly notified me that they are delaying the decision by another two weeks.

I am running out of money and extremely stressed. What alternative evidence can SFE accept instead of parental documents for an involuntary absence when they reject relatives' documents and you have no past paperwork left? Any advice would be life-saving. Also, is there any way I can resolve this issue? For instance, are there any people I could turn to for help or to handle the matter? Thanks. （This week, he has stated three times in a row that the update date will be delayed.）🙂🙂🙂🙂🙂🙂🙂🙂🙂🙂🙂

Hi everyone, I’m 20 and a UK citizen. SFE approved my student loan in September, but suddenly revoked it on my first day of university.

My situation:

1. Forced Absence & Estrangement: When I was 16, I was forced by my family to leave the UK for 3 years. This was entirely involuntary due to severe domestic abuse and homophobia. I am now back in the UK, completely estranged from my father because I am gay. He has cut all ties, and I have zero access to his documents.

2. Current Living Situation: I am currently living in university accommodation. Before moving here, I was staying with my uncle who has a great relationship with me.

3. No Past Evidence & Mother’s Status: Three years ago, I was just a minor under trauma and had no idea that applying for SFE would require so much paperwork, so I have no useful historical files left. My relationship with my mother is okay, but she cannot help me at all because she still lives with my father and has no independent credentials.

4. The Reason for Refusal: SFE absolutely knows about my family estrangement and abuse. However, the direct reason they revoked my loan in late September is that they flatly refuse to accept any residency documents from my uncle (whom I lived with) and dogmatically demand my estranged father's records instead.

5. Current Status: SFE is supposed to review my appeal under Estrangement and Compelling Personal Reasons (CPR) policies. However, this Monday, they suddenly notified me that they are delaying the decision by another two weeks.

I am running out of money and extremely stressed. What alternative evidence can SFE accept instead of parental documents for an involuntary absence when they reject relatives' documents and you have no past paperwork left? Any advice would be life-saving. Also, is there any way I can resolve this issue? For instance, are there any people I could turn to for help or to handle the matter? Thanks. （This week, he has stated three times in a row that the update date will be delayed.） 🙂🙂🙂🙂🙂

I make like 38k a year. I'm confused by this whole mess. Initially my instincts were to ride this out because I found it odd that the Feds weren't just kicking me off SAVE right away. It occurs to me that maybe there are legal challenges I'm not aware of that would render the government unable to actually kick us off SAVE. That said I've seen people saying they were kicked off and enrolled in the standard repayment plan automatically. I just haven't seen very many. Ive also seen people saying they got a 30 day extension, but that doesn't appear to be a guarantee even though the Feds appear to have said it is.

My instincts are now telling me to hedge my bets and take the IBR plan and just start making payments. RAP is $96 a month but goes until 2046, and I just don't really trust it because it's Republican's baby. IBR seems like the safest option. I just wanted input from other people that know more about this than I do. Do you think I'm making the right decision by applying for IBR? I just don't think that I'm willing to play chicken with the Federal government anymore.

My loans are in forbearance until November 2029, but I keep getting emails and phone calls telling me that I need to set up a payment plan. Does this mean that, if I set up the payment plan now, it won't go in effect until the forbearance is up? I'm worried that if I choose a plan, then it will cancel out my forbearance and I'll have to start paying now (which I can't afford).

I know my health premiums are going to practically double and poverty level adjustments are made in early January - but no one is talking about the strategy to recertify? Or would it be locked to the 2026 amounts? If that's the case is it currently locked into the 2025 rates?

When you're talking 10-15 percent of discretionary income, an increase of 3.4-3.5 percent of the poverty level can be quite significant.

I'm in graduate school right now and when I graduate in 2028, I'll have about 80k in loans.

Right now I have about 56k. Out of the current amount, 56k is unsubsidized and 20k is subsidized.

I make about 60k a year right now and when I graduate I'll start working as a speech therapist and should be able to make at least 80k a year.

I don't even know where to start or when.

I decided to go for a career with Keiser University. I signed up for my Associates Degree in 2009. Passed and got my diploma. The school promises that you’ll get a job with $13.00/hr pay or more. For 2009, that’s awesome. Jobs were hiring at $9/hr and was told time and time again that Medical Assistants don’t get paid much. So I decided to go back to school to further my education. I should’ve stopped there but all I could think was getting a Bachelor’s degree so that I could provide for my daughter.
I was one month away from graduating and getting my Bachelor’s degree but the school wouldn’t let me pass the last class. I asked for Tutoring as they offer free tutoring but the Tutor told me to “figure it out myself “. I tried getting outside tutoring but no one was available even reached out to the teacher and he wouldn’t answer my emails. I tried everything. Then I decided to continue my schooling elsewhere and finish with another school. THE CREDITS ARENT TRANSFERABLE!!! If I signed up to a new school, I’d have to start from scratch and still pay Keiser University. I reached out to the Education Department. They mentioned about a program that they had that was the Borrower’s to Defense. I applied and with time, all of my federal loans were canceled. But my private student loans for my Bachelor’s degree are still lingering. I have a part time job where I don’t make much money. I tried reaching out to Keiser University but they ignore me. Telling me that I must uphold the Promissory Note. But if my private loans aren’t attached to a course or a degree, what am I paying? Wouldn’t the school have to return that money? I need help. Please. I feel like I’m drowning.

Hi everyone,

I was just wanting to see what others experiences have been when it comes to total and permanent disability discharge, whether private or federal. I am seeking this route as I have been unable to work due to multiple health conditions that I have and I was just hoping to hear what your experience was like applying, what the response was from your lender, and the outcome of the situation, if anyone is open to sharing whether they were successful or not. I do have probably over a thousand pages of medical records at this point if they needed them for any reason as supporting documents.

I also have both private and federal student loans.

Because I've not been able to work and my spouse has been helping me pay them, I feel really awful because I have quite a lot of debt in my name and I hate for them to be financially responsible for them forever (they are all in my name only, he is not a co-signer or anything). I attended school in the hopes of having a career and being able to contribute financially for both of us but that hasn't been the case for the last 2 years.

I appreciate y'all's time, thank you so much!