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Student Loan Consolidation
Posted on 3/27/17 at 8:35 pm
Posted on 3/27/17 at 8:35 pm
My wife graduates UGA vet school in a few weeks. 8 years of student loans..... never got HOPE because she went back to school at age 30. Never got much need-based assistance because I always worked and did ok, and only recently got a dependent. So there's alot of student loans. All federal, one small private from when she got hustled years ago.
I've already done alot of homework on this, at both Clark Howard and the many other resources out there, and still have a few questions... anyone here know the answers to the questions below?
#1: Can I consolidate all of the post REPAYE (after 2008) into one consolidation, and the non-qualifiers (2008 and earlier) from pre-REPAYE (PAYE) into another consolidation?
#2: Spouse income is considered, even if you file taxes separately. That's fine. But does the spouse have to cosign?
#3: How does the process of payment readjustment work year to year?
I've already done alot of homework on this, at both Clark Howard and the many other resources out there, and still have a few questions... anyone here know the answers to the questions below?
#1: Can I consolidate all of the post REPAYE (after 2008) into one consolidation, and the non-qualifiers (2008 and earlier) from pre-REPAYE (PAYE) into another consolidation?
#2: Spouse income is considered, even if you file taxes separately. That's fine. But does the spouse have to cosign?
#3: How does the process of payment readjustment work year to year?
2
Posted on 3/27/17 at 9:59 pm to deeprig9
(no message)
This post was edited on 4/15/17 at 4:06 am
Posted on 3/29/17 at 10:21 pm to deeprig9
Don't take any advice from this board would be a good start.
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