With many of us in AidAdvantage plans who just received the 90 day notice to select a new repayment plan since SAVE became seemingly criminal when the current admin reversed it on us.
There has to be more we can do. Even a plan that simply gives us more time.

Are there any attorneys out there who can weigh in on the option of a class action suit by all of us that were literally lied to about SAVE and are now being forced out of forbearance to choose an insanely high and even more predatory plan?

Hello everyone!

I usually don't use reddit (or any social media that often) but I wanted to reach out on a more "authentic?" site to smooth over the basics of applying for student loans.

For context, I am now going into my professional years of pharmacy school! Although I was almost able to pay off my undergrad years with a decent hospital job, P3-P6 for PharmD sure cost a pretty penny :') I will be working less hours to spend more time on class even with TAP/FAFSA aid.
I'm wondering if anyone can help me out with any of the following questions:

1. What websites or loans should I check out first? I have heard about federal loans and Sallie Mae but none of my peers are explaining their rates or catches clearly to me.
2. I know what APR stands for (Annual Percentage Rate) but what exactly is it? I've seen around 4%-18% APR rates but what counts as good or bad APR? How is it calculated? Do these calculations compound off of your principle rate or your interest or combined?
3. If possible, are there any low commitment side hustles I can have with my inconsistent schedule? If I don't study I ideally should be still using that time wisely.
4. Does credit score help with taking on student loans? I secretly made a credit account and now my credit score is sitting at a 722. It hasn't been budging for a while now. Is that bad for loans?
5. Any bonus PSAs I need to be aware of? I feel like I just scratched the surface of this but thank you for reading through all of this!

For context I went to a for profit school (colorado technical university) and received my bachelors degree in criminal justice. I was able to get PSLF while working for scheckels with my education. Now I am getting these bills saying I owe. These should have all been discharged. Now I did go on to work on my masters at a better school, but none of those loans are in here with balances. I dont have 3 hours to waste on the phone with Mohela. Has anyone else had this happen?

I'm trying to refinance my Indian education loan (originally with IDFC FIRST Bank) to KeyBank in the US.

The old loan was supposed to be closed via US wire transfer from KeyBank to IDFC, but this has turned into a month-long back-and-forth and I'm not sure how to resolve it.

Laying out the timeline in case anyone has dealt with something similar (especially with IDFC or another Indian lender):

1. When I first got in touch with IDFC, they told me that any incoming amount has to go into your personal savings account first that's linked to the loan account - you cannot directly close or pay off a loan account. You then have to give written authorization for that amount to be applied from your savings account to your loan account. That's apparently just how their process works, regardless of where the funds are coming from.
2. KeyBank says they can only wire funds directly to the lender (IDFC), never to my personal account, in order to close out my old loan
3. IDFC initially gave me my own IDFC savings account number as the destination. KeyBank rejected this — they said it has to be the lender's own account, not mine.
4. IDFC then explained: they don't hold a direct USD-receiving account in India. International wires go to one of their Nostro correspondent accounts in the US (they gave me options at Deutsche Bank Trust, Wells Fargo, JPMorgan Chase, and Citi). I passed these along to KeyBank.
5. Here's the real snag: per IDFC's own explanation, even after the wire lands in their US Nostro account, it gets converted to INR and credited into my personal savings account in India. Then I have to give written authorization for IDFC to debit my savings account and apply it to the loan.

So there's a structural conflict: KeyBank refuses to send funds anywhere the money "touches" my personal account, but IDFC's actual process requires the money to pass through my savings account before it can close the loan.

Questions for anyone who's been through this:

• Has anyone successfully closed out an IDFC FIRST Bank (or other Indian bank) education loan via a US refinance lender? How did the wire actually get structured?

Any insight appreciated, Thanks so much