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URGENT: How to find amounts owed on Federal Direct/Unsubsidized loans before 11/14 deadline? Need wire instructions too!

Hey everyone, I'm freaking out a bit here. My student loan payments are due soon and I'm totally lost on how much I owe for each of my federal direct and unsubsidized loans. Anyone know how I can figure this out ASAP? Also, does anyone have info on wire instructions? I'm seriously stressing about this deadline!

Tom Maxon

I found a way to solve federal loan payment confusion, watch this: https://www.youtube.com/watch?v=Rer8kwYCdcA

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Ella rollingthunder87

Ugh, I feel ya. The whole student loan system is a mess. Have you tried logging into your servicer's website? They should have a breakdown of each loan and the amounts due.

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Tony Brooks

Yeah, I tried that but the website is so confusing. I can't tell which loans are which and the amounts don't seem to add up. 😫

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Yara Campbell

Pro tip: call your loan servicer directly. They can give you a detailed breakdown over the phone. It's a pain, but it works.

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Tony Brooks

Thanks for the tip! But how do I even get through to a real person? Every time I call, I'm on hold forever.

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Isaac Wright

I found a way to actually get someone on the phone. I used this site's (claimyr.com) calling tool that dials the phone menu, stays on hold, waits for a live agent to pick up, then sends the call to my phone. It does cost $20, but it works. Here's a video about it: https://youtu.be/kfgsWnbb8cU

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Maya Diaz

Sounds sketchy. Is it legit? $20 seems steep just to make a phone call.

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Isaac Wright

I get the skepticism, but it's totally legit. Saved me hours of hold time. Worth every penny when you're dealing with urgent loan issues.

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Tami Morgan

How long did it take for them to actually connect you with someone?

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Isaac Wright

It took about 45 minutes, but I didn't have to sit there listening to hold music. They called me when an agent was on the line. Way better than wasting half my day on hold.

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Rami Samuels

Listen up, because I've been through this rodeo before. Here's what you need to do: 1. Log into your Federal Student Aid account at studentaid.gov 2. Go to the "My Aid" section 3. You'll see a breakdown of all your federal loans 4. For each loan, click on "View Details" to see the loan type and amount 5. Write down the info for each loan 6. Contact your loan servicer (probably MOHELA) for the most up-to-date payoff amounts 7. Ask them about wire instructions while you're at it Don't panic! You've got this. Just take it step by step. And remember, if you can't pay the full amount, look into income-driven repayment plans. They can be a lifesaver.

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Tony Brooks

Wow, thank you so much for this detailed breakdown! I'm gonna try this right now. You're a lifesaver! 🙏

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Haley Bennett

This is solid advice. I'd add: take screenshots of everything for your records. You never know when you'll need proof of your loan details.

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Douglas Foster

am i the only 1 who thinks its ridiculous we have to jump thru all these hoops just to figure out what we owe??? the system is broken af 🤡

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Nina Chan

Preach! 🙌 It's like they purposely make it confusing so we mess up and they can charge us more. Total bs.

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Ruby Knight

Ikr? I have a freaking degree and I still can't navigate this mess. What hope do we have? 😭

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Diego Castillo

Quick question for the OP: Are you sure you need wire instructions? Most servicers prefer electronic transfers or checks. Wires usually have fees attached.

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Tony Brooks

Oh, I didn't know that! I just assumed wire was the way to go for a large payment. Thanks for the heads up!

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Logan Stewart

Hey, has anyone tried those loan forgiveness programs? I heard theres some new ones but idk if there legit or just another scam

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Mikayla Brown

Be careful! Lots of scams out there. Only trust info from studentaid.gov or your actual loan servicer.

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Sean Matthews

I applied for PSLF last year. It's legit but the process is a PITA. Took forever but finally got some loans forgiven. Worth looking into if you work in public service.

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Ali Anderson

Protip: Set up autopay if you can. Most servicers give a .25% interest rate reduction for autopay. It's not much, but every little bit helps!

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