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this post was submitted on 18 Dec 2023
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Is anybody surprised? They emailed me when I was a day late, and have hounded me asking me to sign up for the save program since then. They're lucky I made a payment at all after the bullshit that was pulled for political points in the last few years.
If you haven’t applied to SAVE yet definitely do! No interest accrued as long as you make payments.
Edit: This is untrue, If you make your full monthly payment, but it is not enough to cover the accrued monthly interest, the government covers the rest of the interest that accrued that month.
How so? I am on SAVE and have been hit hard by interest since September.
I could care less about forgiveness. I knew what I was getting myself into. But 0% interest after paying a certain amount really needs to be a thing.
Answering my own doubt. This is pulled from another post.
"This is only true if your monthly payment is lower than the monthly interest. In this case the government subsidizes and you do not accrue interest, but you also do not make progress towards your loan. In the other scenario, which happens to be my case, where the monthly payment is higher than the monthly interest, there is no subsidy, and interest accrues, but I make progress towards my loan."
https://www.reddit.com/r/StudentLoans/comments/154om0g/comment/jzty63e/?utm_source=share&utm_medium=mweb3x&utm_name=mweb3xcss&utm_term=1&utm_content=share_button
Damnit your comment made me look into it again and realized I misunderstood….boo