From the article:
Also, here too, your loans can’t be in default. This was disappointing to Robert Applebaum, the founder of forgivestudentloandebt.com. His two-year-old movement along with the petition he started on the White House’s Web site helped inspire the adjustments to the federal loan programs.
“Income-based repayment is fantastic if all you have are federal loans and are current on your repayments,” said Mr. Applebaum, 37, who lives on Staten Island and is current on his own student loans. “But people are drowning in debt and penalties, and the government has made it so that first you have to get your head above water. Another step could have been to eliminate that requirement, and they didn’t.”
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This may only be part of the problem as many student loans are currently in forbearance and are not counted among the defaulted loan totals. The calculation and the studies done on student loan default indicate the increased total amount that has been grown to $876 billion.
Thanks a lot for telling us about the the new student loan. I also thanks to Robert Applebaum. Who is working for the welfare of the students. I am working in a fabric store and also doing a MBA. I want loan. Will i get with this job?
My original loan (25K) was through a bank , guaranteed by NYSHEAC (NY State).
I defaulted. It is now owned ny the Dept of Education.
(I owed 25, haqve paid 40 and now owe 60 !!!!)
Is my loan considered private or federal ?
Will there be "forgiveness" after 25 years ?
Borrowers in the income-based repayment program who make payments for 20 years will be eligible to have the balance of their loan forgiven. Currently, graduates in the program are eligible for loan forgiveness after 25 years.