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this post was submitted on 31 Oct 2023
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Oh shit. My loan was just transferred to them.
Sorry. I was with them years ago, and they were trash. Got sent back last year, and they're still trash. They calculated my wife's monthly payment to be almost 3x the normal rate, so I spent 3 days trying to call them to get it resolved. In the end, it's now stuck in this administrative forbearance until who knows when, and we don't know if it will count towards her final 4 months of PSLF payments.
I sent them a message in their online portal at the beginning of September and have yet to receive a response. Looking at my loan payments it seems like the interest is being calculated at 30%. Is that correct? Seems high, but I'm not sure. If that is true I would be better off getting a personal loan at a lower rate and paying that off.
Edit: I just looked. It should be closer to 3-4%. I think I'm going to have to call them. I'll do some math first to make sure since it's 4 different disbursements so maybe they are correct? IDK.