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Borrower Defense to Repayment (DTR)

A detailed discussion of the Borrower Defense to Repayment (DTR). Whistleblower: Dept. Of Education Deliberately Thwarted Loan Forgiveness Process - Forbes   . . .
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Borrower Defense to Repayment Failure

The Borrower Defense to Repayment process is failing. I also mention a new resource for spousal consolidation loans. . . .
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Discharge, IDR, and Closed For-Profit Schools

Today I took questions from the audience. Topics include bankruptcy discharge, IDR and growing balances, and a bit about closed for-profit schools. . . .
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Private Student Loan Protection and Credit Reporting Discussion

Today I discussed private student loan protections through State Government action, and quote a bit about credit reports too. . . .
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CARES Act, Biden, and Defense to Repayment

Updates on student loans via the CARES Act, Biden's forgiveness proposal, and Defense to Repayment applications to be processed. . . .
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Student Loan Protection under the CARES Act

Today I discuss CARES Act protections for student loans, which loans qualify, and also point out an important issue with IDR recertification. . . .
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COVID-19 Stimulus Package: Video Q&A

Today I answered questions regarding the Stimulus Package as it relates to student loans. . . .
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Covid-19 Stimulus Package: FFEL Loans

What is an FFEL Loan? An FFEL (Federal Family Education Loan program) loan is a federal student loan that was originated (funded) by an entity other than the US Education Department (USED). It could be a bank or a credit union (Sallie Mae, Chase, Wells Fargo, etc.), or even a guarantee agency . . .
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Covid-19 Stimulus Package: Perkins Loans

What is a Perkins Loan? A Perkins loan is money given by your school. It is considered a Federal student loan because the money was given to the school by the US Education Department (USED). The school lends the money, owns the loan, may hire a servicer to collect when the loan is in good standing . . .
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Covid-19 Stimulus Package: Direct Loans

What is a Direct Loan? A Direct Loan means the money was borrowed Directly from the US Education Department (USED). No middleman. The loan will always be held by USED. When in good standing, a servicer helps USED collect by sending bills and offer affordable payment plans and/or forbearance and . . .
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