Nickyweg t1_j6i1dws wrote on January 30, 2023 at 2:06 PM

Who is the loan servicer?

Side note, what is the degree in? All my friends with humanities undergrads really seem to regret it.

Why did you want to get a foreign degree opposed to a domestic one?

Throwaway61057 OP t1_j6i2len wrote on January 30, 2023 at 2:16 PM

Discover

Japanese language and East Asian cultural studies

I’m aiming to live in Japan, it’s very difficult to land a career if you are not physically in Japan, and graduate programs are much cheaper here than in the states

NoFilterNoLimits t1_j6i36p4 wrote on January 30, 2023 at 2:20 PM

Can you find a side job there teaching English? That typically doesn’t actually require you to be proficient in the language your students speak, oddly. I’ve had many US students support themselves for a year or two in Asia by teaching English as a foreign language

Throwaway61057 OP t1_j6klvwr wrote on January 31, 2023 at 12:05 AM

I’m going to look into it, currently have a job lined up at a ramen place but it doesn’t pay well

Nickyweg t1_j6i35gt wrote on January 30, 2023 at 2:20 PM

You can’t just stop paying it, especially if you need more school money from them down the line.

It sounds like you may have just jumped into this without much research. Do you have anybody at home that can float you the money?

It’s going to be hard for an American bank to justify loaning you money to fix this situation.

Throwaway61057 OP t1_j6kfahg wrote on January 30, 2023 at 11:19 PM

This same company would maybe let me refinance right now with a co-signer as my credit is really good right now

Nickyweg t1_j6kixjy wrote on January 30, 2023 at 11:44 PM

Don’t risk ruining somebody else’s credit unless you’re positive you can pay it

Throwaway61057 OP t1_j6klsll wrote on January 31, 2023 at 12:04 AM

The big problem right now is just the current amount I have to pay per month, 500 is pretty insane for me to be able to cover with the conversion rate and a part time job, but knocking it down will make it easier for me to deal with

Throwaway61057 OP t1_j6kevv2 wrote on January 30, 2023 at 11:16 PM

I figured that’s not really a super good option yeah. If I go for another graduate loan it would be from somewhere else, I have a company in my home state that does graduate education loans. I had done a lot of research into it but made the oversight that my loan company while they advertise that they offer deferment for if you go back tk school it has a hidden asterisk that I only found out after through a phone call that it’s for US schools