Public Service Loan Forgiveness Application 2022-2024 free printable template
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Today we are going to be talking all about public service loan forgiveness how it works all the details' hi I'm Tasha, and I'm just from one big happy life we make videos about how to find balance build wealth and live happy so if you want more videos about how to create the life that you want on your own terms this is a place to be subscribed and hit that notification Val so today's video is all about public service loan forgiveness and a lot of you this is a highly requested video because we are pursuing public service loan forgiveness we post our net worth updates we always mentioned public service loan forgiveness and the number of payments that we have left and people are like, but the news though did you read the articles though yes there's a lot of misinformation out there which makes sense because that's what's creating the bad press the misinformation, so we want to try to clear at least a little of that out yeah, and it's probably going to take two videos this video is going to get deep into the public service loan forgiveness program and how it works to help you understand how the program works, and then I think we're going to have to do a separate video so that we're not overwhelming you with too much information in one video where we talk about some of the common misconceptions that we see online so the first thing that you need to understand when it comes to student loans is that student loans are a type of debt a debt is created by a contract that outlines the terms of that debt which includes how much you owe the interest rate you're going to pay the required number of payments and sometimes your payment amount now in this case your master promissory note which is the instrument the debt instrument that creates the debt for your student loans it doesn't list the loan payment because you're constantly getting new loans every single year as you're going through school what happens though is that in the master promissory note it talks about the different repayment options and the different methods that you can use to pay back your loans and how the loan payments will be calculated when you finally go into repayment now that we understand that student loans are debt I want to talk about the two major types of student loans you've got private student loans and federal student loans a private student loan is a loan that you'll get from a private lender like a bank you'd go to them directly they check out your credit, and then they would give you the money or more likely give it directly to your school it's basically kind of like getting a mortgage it's the same thing where you'd go to a private lender and borrow money the second type of student loan is a federal student loan and even within this category there have been multiple programs over the years, so they used to be prior to 2010 FF EE L was the main program and the way that this worked is the federal government would guarantee the loan and not actually do the lending you'd still...
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