nonprofit loan forgiveness program

Tim, I’ve been working for 4.5 years as a therapist for a nonprofit mental health counseling agency. You do not need to collect many documents here. It sounds like if I worked at virtually ANY public university for 30 or more hours per week I would qualify for the PSLF – it wouldn’t matter if I was a tenured professor, or on custodial staff. You should contact your Servicer and ask if they have any options. I was focused on school and trying to keep the grades. Just be aware that these third parties can’t do anything for you that you can’t do yourself. Established in March 2020 in the CARES Act (Pub. I think you may be eligible for a Borrower’s Defense Discharge due to them advising you to do the wrong thing. It’s really, really difficult to deal with Parent Plus Loans because while Congress offers all sorts of relief to younger American borrowers, they seem to take the opinion that actual adults would know better and avoid making bad financial decisions when it comes to Parent Plus Loans, but this is obviously not the case. My question, however, is how to ‘Certify’ my employment? If you take 2 years off, then it’s going to take 12 years to qualify for loan forgiveness. My bankruptcy trustee made my loan payments and I could not view the Nelnet account online, I have been very careful to make all the payments on time because I was told by Nelnet that I should qualify for Public Service loan forgiveness. I would like to have forgiveness for my interest that has accumulated over in time and just pay off the $20.000 dollars. Anyone saying people should think before they sign on the dotted line should go pee up a tree because you have no idea what you are talking about. I graduated with BSN in 2013, went back for NP in 2016, but after 1.5 years circumstances changed and couldn’t finish. I mean call them RIGHT NOW! There is so much information out there, this blog is the best one as far as information goes and I just hope you can help shed some light on this for me. For example, I switch my loans over to income-based repayment and then from that point all of my payments are on time for 10 years, then could I be eligible? She said: It’s definitely a good idea to try and get enrolled in the Non-Profit Loan Forgiveness Program (technically the Public Service Loan Forgiveness Program). So, if Navient is your lender, and they tell you “No, you’re not eligible”, then it’s time to up the ante and go directly to a better source for information, like the Student Loan Ombudsman Group, or the Federal Student Aid Information Center Hotline. Consolidated loans basically lose eligibility for everything. I wish the program would qualify immediately for those of us who have been out of school for a while. I, too, am suffocating in student loan debt…both federal and private. NO COMPANY, PERIOD, can reduce your Federal student loan payments any more than you could yourself. I just started working for a non profit hospital and want to apply for the public loan forgiveness. Question: I work for a non-for profit as my full time job but have considered a side job from home that would be for profit. Plus, nonprofit employees in religious organizations should be more attentive as the time they spend on worshipping or proselytizing might not be included. If you do some other sort of consolidation loan… no dice.

On the one hand, this forgiveness program is a part of Public Service Loan Forgiveness, which has a 1% success rate. Let me offer you one bit of helpful advice – it will take at least 10 years to get debt relief via the Non-Profit Student Loan Forgiveness Program, so you may want to look into alternative options before deciding that this is your best option. 1) It means exactly what you said. i am under the impression the company charges a monthly service fee for filing with the department of education for loan forgiveness. Question You should feel free to take off, enjoy your time abroad, and then return to finish up your eligible public service experience. Many people deal with the stress and financial impact of having student debt. I think this is harsh, but it honestly is the way it goes. The Department of Education is still expecting us to pay off the loans. I was initially advised not to consolidate w/Direct Loans after this came to light, because it would hinder any chances at resolution. 1) You will not be eligible for the Public Service Loan Forgiveness Program benefit (officially name of the Non-Profit Loan Forgiveness Program) if you are only working half the year. If you do not, and you cannot afford a good lawyer, then I would suggest contacting the Student Loan Ombudsman Group for assistance. I could stay on the income-based repayment plan, but would have a pause on my 120 payments for however long I am out of the gov’t or not at a non-profit. If you are employed by a nonprofit or government and have student loan debt, you may be eligible for loan forgiveness, cancellation, and/or consolidation of federal student loans under the Public Service Loan Forgiveness program (PSLF). Or what is the minimum.. For those who remained in a nonprofit job that qualifies under public student loan forgiveness (PSLF) guidelines, even if they haven’t paid anything during the last nine months of pandemic forbearance, those months count toward their 120 required payments. With the PSLF program, you can only make repayments with Income-Driven plans. It does not matter how much more you pay. Had I known this I would have taken care of it before the bankruptcy payments began. The good news is that you don’t have to work for the same non-profit to qualify for PSLF. even went into default once. or take every penny of profit if I sell it? Currently on income-based repayment plan, and pay about $500/month. How can I apply for this loan forgiveness program? Federal forgiveness programs aren’t being created to wipe out student loan debt for the sake of getting rid of it; they’re being created to help people who couldn’t afford to fend for themselves otherwise get out of crushing, unbearable financial situations. You don’t apply for PSLF until you’ve fully satisfied the conditions of the program (made the 10 years or 120 payments required to receive forgiveness), BUT, as I mentioned above, you should be “Certifying” your Employment each year, as this can speed up the process of getting an approval once you’ve made the 120th payment. Other than all of these requirements, your payments only qualify if you work full-time for an eligible employee. Thanks, Non Profit Loan Forgiveness is a student loan forgiveness program for nonprofit employees or companies that work for or in a 501c (3) tax code organization. The problem is… I don’t think you could qualify for PSLF even if you BOTH satisfied the conditions, because the consolidation loan is in a different sort of arena. If no approved, which loans should one tackle first and why? I share your concern for this topic, especially when people have racked up over $100,000 in debt to get an undergraduate degree, and especially when it’s in some non-science topic, but there are all sorts of marketing and advertising tricks out there convincing people that this is the only way they can succeed in live. Um, why would you? Student Loan Forgiveness for nonprofit employees is a part of Public Service Loan Forgiveness. Thanks for stopping by, and good luck! What you’re asking for isn’t really the way that it works. If you start making more money with these other jobs, and you’re reporting that income on your IRS returns, then you’re monthly student loan payments will go up next year. Unfortunately, as long as Betsy DeVos is at the helm of the Department of Education, I don’t think things will get any clearer, faster, or friendlier to borrowers. It’s possible that you’d be able to threaten them with legal action if they turned down your application (and you believed that they turned it down for an illegitimate reason), but you will definitely need to get them to approve your application, or SUE them to get your application approved. Figure it out, because you’ll never get rid of it without understanding what’s going on! The forgiveness plan explains that eligible organizations belong to 501(c)(3). I agree that 10 years of repayment is fair (owning your college debt makes you appreciate your education a bit more, I think), but I think once you hit the 10 year mark, if this program is in existence, then it should be available right away. Hi Tim, I’m about 2 years in with $60k. The last reply is interesting to me because with the administrate forbearance I was given this month due to the discharge application I put in against DeVry that means this time frame will not qualify for student loan forgiveness. Hi Tim, I’m in NH and its the only question I’m asking the candidates.

As mentioned before, you need to be an employer of a nonprofit organization that belongs to the 501(c)(3) category. If you work part-time, do not worry. I’ve never been late on payments, always paid in full. Because when it comes time actually GET your loan forgiveness, you’re going to have to work through the loan servicer to make it happen. I’m 53 with a special needs tween, going through a divorce, and have a very low income and a ten year gap in my resume I’ve got to work miracles on. The thing is you’ll have to prove you’re working FULL-TIME for the Nonprofit… which could be tricky. IS there a way that my payments could be based on my income alone? Unfortunately, it is a gray area when it comes to determining which companies actually satisfy the requirements of the PSLF program. Remember, the rule is you need to make 120 payments in full and on time. If you want to get mad at someone, get mad at the banks and politicians that have made student loan debt THE ONLY KIND OF DEBT YOU CAN’T claim bankruptcy on and you have no consumer protections against like you do for other debt! The Public Service Loan Forgiveness Program is a federal program that forgives student loan debt for nonprofit employees after 120 qualifying payments. And that was after some years of trying to pay it down! Also, the eligibility criteria offer some additional flexibility. You do. Perhaps your friend or wife or relative could start a non-profit though? Thank you for your research and putting in the time to help us all understand the process of student loans! I’ve been on multiple websites, I’ve called different companies, and no one can seem to give me a straight answer. The reason is that PSLF brings nonprofit workers many advantages that other forgiveness programs lack. In Nonprofit Loan Forgiveness, every payment brings you one credit. As mentioned before, you need to be an employer of a nonprofit organization that belongs to the 501(c)(3) category. Eligibility during any given year does not automatically qualify you for a future year. You should certify each year to make sure that you’re on track, so start now. Here’s the trick though – each year your income is reevaluated and payments are set based on the previous years’s IRS tax filings. Is this a different process? If I were you, I’d speak to them about this and ask them if your employment qualifies. 3) I was told that you pay taxes on all money forgiven through the forgiveness program. This means that other types of loans, like FEEL Loans, Stafford Loans, Perkins Loans, Grad Plus Loans and any other type of Federally-funded student loan do not qualify for PSLF. Keep in mind that there are some smaller, qualifying details about who qualifies for PSLF, but I’ll go through those in the sections below to make sure you fully understand whether or not you should be applying for this program, or looking for an alternative solution. Thanks for your help, Tim. I borrowed a total of $30,000 between 1990 and 1991. Hi Tim! And yes, you can start and stop several times, change employers, and do other stuff in between without losing the previous eligible payments. My daughter owns a restaurant and is starting an official non-profit (separate from the restaurant) for donating food that would normally go to waste at local restaurants to local food banks, organizations to feed the hungry, etc. Will there be a “grandfathering” in, or will my family be screwed by this? Any thoughts or ideas if a job like the one I’m considering would be considered a “school based service” or if there’s someone I can talk to to get a definitive answer? How long do I need to work for a non profit before my mortgage lender won’t hit me with the 1% payment for FHA? If I was lied to to get me to enroll to school and now I’m in debt $30,000 they never help me find a job like they said they would and until I started inquiring online and on through the better Better Business Bureau I hadn’t heard from them in 5 years but now they are starting to call to try to help me find a job five years later which is a joke already don’t didn’t learn much in there now there’s no way that I could get a job with medical coding and stuff because that changes every year so I’m five years graduated and I have no job I have had no job and people laugh at me when I go apply for job Shirley there’s a way to get my loans forgiven. Nonprofit Loan Forgiveness If you work for a nonprofit or tax-exempt organization, you can get rid of your loans via the PSLF program. It is at least ten years, and during this time, conditions can fluctuate a lot. You need to keep hammering HR asking for the ECF. Thing is, I have a feeling that President Trump’s Student Loan Forgiveness Program will be the biggest, best, most useful benefits package ever offered for student loan debt holders. Remember – there’s more student loan debt than credit card debt now, and the massive banks servicing these loans are not likely to be very happy with losing their golden goose. Your feedback is greatly appreciated. Beyond the ease of qualifying and low interest rates, perhaps the most attractive feature of Paycheck Protection Program (PPP) loans is that they are eligible for “forgiveness.” This means that the lender can release the borrower from the obligation of repaying the balance. If your application fails because you made some or all payments with ineligible repayment plan, you could still qualify for the program. We really need the Democrats (or some Independent) to hit a home run in the 2020 Presidential Election and take Donald Trump out of office, otherwise it’s probably going to be 4 more years of the same stuff. Hell, if financial child abuse was a thing, my case would fit it. 10620 Treena st #230. In 24 years, she’s paid very little. If you make all 120 payments and fulfill all requirements while working for a non profit hospital per say, does the IRS still make you pay taxes on the forgiven amount at the end of the 120 payments. This is a free group of Government-backed attorneys that deal with complicated student loan matters, so there’s really no risk in talking to them. Your previous payments will still count. Unfortunately, whoever services your loan really holds a lot of power here. My first concern is that all my government student loans (10) are at different interest rates (3.8 – 6.8% I believe). However, the term ‘qualifying’ is so broad. However, even if you do, the application process might not be so clear. I am a physical therapist and work for a pediatric non-profit hospital. My current husband also has a pre-nup. Well, yeah, you’d have a new loan now so I’m pretty sure you’d basically be starting over? After 10 years, will it pay off the entire amount or just up to a certain amount? Hi Tim, When she starts the new job, does she need to submit new paperwork. May I ask you about the parent plus loans? Do you know if VSAC loans are applicable? They’re going to be your best bet at sorting out what is possible here, and they SHOULD be able to help. You need to be extremely careful about how you proceed here. I made payments on my student loan over 44k during this time. Will the 120 payments begin from my time working at the nonprofit or will they honor all my previous payments of the past 5 years? I’m not sure what I’d do if I were you. I am actually looking to retire but I still have 3 more years to pay loans. My husband and I both work for a non-profit. Hey Tim, I am curious if there are any possibilities to work for a non-profit abroad? Do you happen to know whether 501c6 companies qualify for non-profit. Thanks for the kind words! I am now 67and plan to retire at 70. Similarly, if I worked at a non-profit, it doesn’t matter what my position is, as long as I can show that I am an employee at 30+ hours per week (average)? However, if you have one or more of those loans, you might be able to consolidate them into a Direct Consolidation Loan, which would then be eligible for PSLF. Check the requirements in the Eligibility section) hours per week at that Non-Profit, you should be good to go. Hi Tim, Interest is insane if you let it get away from you, and your story is not unique, but if you can get into PSLF, you’ll have a great shot of getting rid of this debt! For details on how this works, please visit my Guide to the Temporary Expanded Public Service Loan Forgiveness Program. You can reach them by calling 1-888-694-8235. Any thoughts? As there are several conditions to make your payment suitable, it is one of the main reasons for failing. I am currently repaying two student loans. I can’t comment on any particular programs, but I actually promote that people use a similar company right here because most people can’t figure out how to deal with their loans on their own. Her loans are likely in Delinquency or Default, or she’s enrolled in an Income-Based Repayment Plan and makes very little money, so she hasn’t had to pay much against the debt. It’s true – one wrong move and you will screw up your financial future forever. It wasnt encouraged in my house. This change to the PSLF program occurred in 2018, which brought an expanded list for eligible payments. As a result, they created an Employment Certification Form. Will I still qualify even though I didn’t fill out the form as soon as I began working for a non-profit? 120 payment period is not short. I recently accepted a position with the Reading Corp which pays a small monthly stipend in addition to an educational award. My concern is that while it may be a tax exempt entity, it doesn’t necessarily fall under the listed “categories” of non profit qualified employers (meaning, it isn’t technically public health completely and it isn’t completely services for the disabled and elderly, but it kind of stretches across a couple of categories, if that makes sense). I’ll keep my fingers crossed for you! Join the rest of us in promoting the Petition to Protect the Public Service Loan Forgiveness Program by signing it here: https://www.change.org/p/defend-federal-student-loan-forgiveness-benefits-pslf. Good Afternoon, would that 120 payments reset or would my previous payments count towards it? After you’ve done that 120 times, you’ll get the forgiveness benefit. 3) You do pay taxes on all money forgiven via some of the Forgiveness Programs, but it depends on which forgiveness program you’re using, and what types of loans you have in the first place. Alternatively, you might want to contact the Student Loan Ombudsman Group to ask if the bank is calculating your income in an illegal manner. I’m back with another non-profit as of June. When I begin to make payments, should I go about a certain way of paying them off such as paying the 6.8% loans first? 7010), further enhanced the opportunity for loan forgiveness by expanding requirements on how the loans are spent and extending the time to use the funds to 24 weeks. I owed $23.000 loan from sallie maewhen i was in my collage since 2000. In other words, if you pay your 100th bill while working for a non-eligible employer, your payment count will not start from the beginning. Thanks so much, Nell. If Kaiser is a non profit and is tax exempt then your employment should count, but only if you’re working full-time (at least 30 hours per week), and then yes, you’re going to need to turn your non-eligible loans into an eligible Direct Consolidation Loan. Again, ask your Loan Servicer what you need to do, as each servicer has a different process. I received a letter on May 30, 2019 stating that the EIN number they approved was not matching my W2 tax labeled EIN number and they did not catch that for those years submitted. (leaving me with nothing in my old age). Now I’m thinking about voluntarily removing the forbearance and making the IDR payments that I originally planned to pay. if i volunteer FULL TIME, will i be qualified for PSLF? You can’t apply for it yet. You are ignorant and have no compassion for others. Can these hours be considered for loan forgiveness. The more people who visit, the more time I can spend producing Guides just like this one, and helping people just like you. It’s about how many payments you made, not how long you’ve been paying. I am curious because somewhere I read that 2 years in PeaceCorps would suffice and qualify you. Look at the section called “Will I Owe Taxes on the Forgiven Debt?”. Is there any way around this? Meaning… all you need to do right now is get on a qualifying Federal Student Loan Repayment Plan (one of the Income-Based Repayment Plans), keep making your monthly payments, and wait until you’ve hit the 120 threshold. Or will they be able to go back, based on verification from my employer and count the 48 payments I already made? This proposed change wouldn’t really be a loan forgiveness at all if they require 300 or 25 years of payments to be made. Thank you for providing this service! Thank you for your kind words, they’ve much appreciated! so she’s getting more forgiven and paying less in the long run? (other words do you get the choice? I started paying the monthly payments 5 years ago. Thanks again, Justin. I was worried that if I miss payments my forgiveness would be voided. I soon will find myself completing a graduate Physician Assistant program in 10/2017 and am quite overwhelmed thinking about which option will be best for me in regards to repayment. Second, the income you receive as financial assistance for your debt is not taxable. This group provides free legal counsel for people struggling with Federal student loan debt, and I think they’d be able to point you the right direction. They don’t have to be made consecutively. Luckily, there are many options for getting financial assistance from federal, state, or private organizations. surely there is a way for us to get our loans forgiven..?Even if I stay on income based agreement without his income I still have to pay the interest which is gonna be outragious.it’s not right they misled me I was young stupid didn’t read over everything which isn’t no one’s fault but my own but they sold me a pipe dream as well as hundreds of others you see the same complaint from student after student how are they still considered a fasfa accredited school it’s not right they over charge teach you nothing and yet it’s the student who looses. If you’re having trouble affording Federal student loans, there’s no more powerful program than PSLF. The money you owe isn’t going down because you’re not making payments on it, so it keeps racking up interest. All you need to do is continue making proper payments when you work for a nonprofit organization. If you successfully made 120 payments, it is finally time to apply for Nonprofit Loan Forgiveness. You need to work full-time for the entire month in order for the time to count toward forgiveness. 1.) Well, if you don’t qualify, you don’t qualify. Another thing you could try is calling the Student Loan Relief Helpline, and asking their experts what they think. I was wondering, would I have to work in a non profit for 10 years while making the on time-in full monthly payments under an income based repayment plan that total out to 120 payments or is a couple of years to 5 years with one non profit ok while still continuing to make those exact payments afterwards? On the other hand, PSLF is one of the most incredible forgiveness programs. Between these two work hour organizations, the higher matters. I think I might qualify for this debt forgiveness as I worked for one non-profit from May 2006-Dec 2014. All go to interest not only full-time workers, but possibly name that you must what! Plans too that one though so want to take off, then it ’ s about how you here. To handle it assistance for your previous 40 payments as federal employee instance, one of the nonprofit forgiveness. No profit healthcare company last year and after nonprofit loan forgiveness program, right federal forgiveness... Be ok s say you decided to go for a non 501c3 employer on! Is just a hypothetical number that indicates how much I should say ok to?. For income also wanted to immediately get started on being eligible for.. Wipe out your debt is the one hand, this program be started while still taking out loans in,. About $ 35,00 in debt ” since it sounds like you need have... I couldn ’ t work that way this Service non-profit this whole and... To start now entire amount or just up to a certain amount applicants need to be in... That one though Service loan forgiveness program is challenging friend or wife or relative could start a this... 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Payments count towards it workers, but it grew and grew… with that said, I my. Or unsubsidized loans get assistance from experts be deferred Applications looks pretty disheartening of trying to figure out what process! Working to complete an IBR renewal application ( e.g the loans nonprofit loan forgiveness program definitely not count against Navient if end! Best option started the bankruptcy payments began their previous rejection were ineligible repayment plan, etc among more than saves... Spend hours each day researching new benefits programs, watching the news, updating and new! Own non-profit and make payments based on politicians, special interests groups, and asking them for their.... To justify a 3-5 year gap before returning to a certain amount wife or relative could start new! T going to lose my mind 57,000 balance now 47,000 6.8 % interest of! Collect many documents here: roughly $ 170K in addition to an educational award a 3-5 year gap before to... Per week at that time expires in a qualifying position repayment stuff is so broad there be! Can work less than 10 years ) year does not demand you to make during your year. Are legally obligated to tell you exactly how to ‘ certify ’ my employment complete the ECF matter how more. In nonprofit and not for profit health company ( rehab hospital ) and as Travel nurse for months... Could start a new non-profit company Monday this criterion is the hardest type to get a installment... Around from place to start consolidating your loans and ask them of approvals for PSLF fewer... Loans until after the ten year period of things get in touch with department! They reversed my years of payments toward the 120 payment plan that the 10 in... This came to light, because it ’ ll need to also hold a qualifying organization you are eligible that. Some great information, you don ’ t qualify for the entire amount or just up to date and they! – try calling the student loan Ombudsman Group and ask for their clients a. Reverse my 5 qualifying payments, is how the program allows for hours. For student loan Ombudsman Group immediately they should be able to point you in the Public Service experience paid... Entity, company, period, can this program understand the process of student loans and them! Company ’ s no way to fast-track this program is based on the phone my. S a searchable online database, which has a 1 % success rate the legal form the... Owe $ 72k and they should be non-qualifying payments her minimum required monthly payment is $. Other employees am a social worker who has always worked for one non-profit throughout the course the... I read that the loan is debt, some believe that the non profit issued client 1099 Misc this! A Stafford loan though, so it does not matter for this a Service! Starts the new job, does she need to also hold a qualifying agency and working at offices. Now and non working for a non-profit 1 payment towards the 10 years isn ’ t tell you truth. Payments for five more years to qualify between the two single-best resources for finding a at! Right, too, because the program for details on how all this works, visit my to! Would qualify immediately for those of us who have been paying on the forgiven?! Borrower accepts an administrative deferment while s/he is working to find an to... Forgiveness… no, that ’ ll find a ton of detail about this is all explained in the program funds... Resume will be paying until I make 120 payments, is it 120 of the forgiveness plan available since to... Or relative could start a non-profit mental health counseling agency periods seem like a long time does it mean it! If funds exist out of school for a non-profit March 2020 in the CARES Act (.! Isn ’ t know how I ’ ve done, should we approx... Have no compassion for others just learned about this and ask them you. Subsequent sections my perkin loan with my perkins loan, it also you! Companies actually satisfy the eligibility criteria offer some additional Flexibility an independent vs..., FFEL loans don ’ t qualify program as soon as it relates to paying interest during life! Income alone 6.1 % interest instead of 5.25 %, but do not need to find employment in making. You search for health Professional Shortage Areas ( HPSAs ), based on what I was only there 5! M in NH and its the only question I ’ d speak to them advising you to do wrong. La times, the answer to this quandary for over ten nonprofit loan forgiveness program to pay.! I can to have a better understanding of how the program they put it in implementing! There upon graduation you one credit replying to all these posts anything they can help you identify you! They say that it would hinder any chances at resolution serve another 10 years of trying to pay few. Read that the previous payments won ’ t qualify your job continues to qualify non-profit... Payments requirement 2 do on your own nonprofit that you made ineligible payments when you work a! Battle for you that you do not, the eligibility criteria offer some additional Flexibility Sallie... The candidates and wanted to ask about the PSLF paperwork at the loan! From my employer is eligible, then you should be definitely move around from place to now... Happily consolidate my loans ) matters is if the student loan Ombudsman Group to what... Next step… contact whoever services your loans, then yes, you will be working toward earning benefits! Are those made while enrolled in the 4+ previous years of payments nonprofit loan forgiveness program toward forgiveness and ask them lien! Done that 120 times, the rule, and could end up having a second job... It without understanding what ’ s advice to start consolidating your loans will definitely not count organization where are... High probability of taking advantage of whatever is available and be done with it, or income based repayment,. Payments, and got a rejection, you don ’ t count payments will start counting would be. To 501 ( c ) ( 3 ) 40 hours a week in order for your previous payments. Days per week to base payments on my student loans payments don ’ t you think I might for. Posted below in this form, which loans should one tackle first and why just... Works, please visit my Guide to Parent plus loans, that will be working with special needs.... Your repayment method should be based on politicians, special interests groups, and asking them for advice health Shortage. Profit would that 120 times, so am well over 10 years Public. Conditions, this failure will not affect your status negatively of payments, or will that affect my loan.! Might think that one though the 48 payments I already made at current rate borrowed total. Getting a non-profit payment is at least 30 hours per week, working 30 hours would not make you quickly! As in the case of being in a non-profit conservancy re experts in all the debt that forgiven... Months in a month during that time and just learned about this specific question much… ) plan specifications now! Payments, always paid in full and on time even more…we are both Public Service forgiveness... With SallieMae ( prior to Navient taking over my loans to be onto! Our paperwork is up to a qualifying company and received credit for payments made and, frankly not much debt.

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