Student Loans

[sshields1978]

I was wondering the best course of action credit wise concerning student loans in default. I've never applied for any loan forgiveness programs, and could use some advice. Thanks in advance !

[doobzie2206]

Make the call to your loan servicer. I just spoke with my loan servicer and they used the tax offset to take my entire federal tax return. I learned that because of the COVID-19 pandemic ALL TAX OFFSETS WILL BE RETURNED TO YOU! No time line but was advised to call back if not received by 30 days from the direct deposit refund date. It goes to them and they advise to allow 10 days to post to your account. Once applied to your account it will then be issued back to you. Make sure to call your loan servicer who initiated the offset to update your address and phone number. I entered into a repayment plan over the phone and in 9 months it will be removed as default and display in good standing on my credit report. Worth the 20 minutes on the phone. And it's Saturday! Good luck and take care of your mental as well as your physical health