A direct loan from William Ford is also a great way to lower your payments while things are tight for you. If you select the income contingent plan, the payment will be tied to your income level.
You can go online to William Ford and there is a calculator that will estimate your payments for their various payment plans ( they have graduated, IC, extended, etc)
Also, while you are barely making it, ask to have your loans put in a hardship forebearance, you might also qualify for a hardship deferment. You can get 6 months of relief from payments with a forbearance. That will help you for a bit to make your income stretch.
Sorry you are having trouble, it is hard out there, but with a little perseverance, you can do it.
I have been shopping at the 99 cent store for things like shampoo, staples, etc. I bought this huge bottle of great shampoo they sell at costco for 12.00/btl for 99 cents! Toilet paper and papertowels are super cheap there as well, plus things like rice, pasta are dirt cheap.
And don't get me started on the candy!
You can go online to William Ford and there is a calculator that will estimate your payments for their various payment plans ( they have graduated, IC, extended, etc)
Also, while you are barely making it, ask to have your loans put in a hardship forebearance, you might also qualify for a hardship deferment. You can get 6 months of relief from payments with a forbearance. That will help you for a bit to make your income stretch.
Sorry you are having trouble, it is hard out there, but with a little perseverance, you can do it.
I have been shopping at the 99 cent store for things like shampoo, staples, etc. I bought this huge bottle of great shampoo they sell at costco for 12.00/btl for 99 cents! Toilet paper and papertowels are super cheap there as well, plus things like rice, pasta are dirt cheap.
And don't get me started on the candy!
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