Student Loan Exit Interview

It’s not something I ever thought about before, but now that I have started my own business, I am wondering if student loans really do need to exist. There are some people who feel that these types of loans should be eliminated completely. Others think they should only be used for certain types of educationeducation. If you know anyone who currently has student loan debt, please share their story with me!

Student LoanLoan Exit Interview

The following video shows how to negotiate student loans at exit interviews.

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Student LoanLoan Exit Interview

What were your major concerns regarding paying back student loans?

Well,Well, I had just started my freshman year at USC and was not really financially stable. . I did make some bad choices when it came to loan payments. After college, I knew I wanted to go to law school. But, I didn’t want any debt hanging over my head. At the time, I wasn’t sure if I could afford to do both. So, I figured law school would take care of itself while I worked hard to pay off my student loans.It turns It turns out, it’s been almost 10 years since I graduated and I’m still working towards getting them paid off!

How long have you owed money on your student loans?

It took me about 4 years before I finally paid off my first federal student loan. Unfortunately, I couldn’t get rid of my private student loans until 2 years later. I still owe approximately $30,000 on those two loans.

Did you find yourself having trouble repaying your student loans?

Yes, I had trouble repaying my student loans. There were times whenwhen I felt like I was being extorted. My minimum payment changed every month, causing me to feel pressured to keep up with what they demanded from me. Luckily, I got help from different organizationsto help to help me tackle these problems.

Were you ever turned down for a job due to outstanding student loans?

Yes. Many employers don’t want to hire someone who owes them thousands of dollars. I’ve even heard stories of people changing their names to hide their debts. That’s how serious some companies treat student loans.

Do you think student loan forgiveness programs can help students achieve financial stability and freedom?

Absolutely. Student Loan Forgiveness is great! If you’re able to qualify, it means you won’t need to worry about your debt anymore. You’ll be free of that burden and no longer have to struggle to repay it.

Are you aware of how many people actually benefit from student loan forgiveness programs?

Not everyone knows  But, according to the U.S. Department of Education, only 12% of borrowers receive relief under these types of programs.

Is there anything else you’d like to share about your experience with student loans?

If you’re struggling to pay back your student loans, it may seem overwhelming. Don’t give up! Talk to a counselor or group leader. Also, there are lots of ways to manage your finances. Get creative and learn how to budget effectively. And  lastly, start small. Paying off $50 a month is easier than trying to pay off $1000 at once.

Student LoanLoan Exit Interview

Did you graduate? Yes No 2. What is your current occupation? Employed Unemployed StudentEmployed Unemployed StudentHow did you find your job? Searching for a job board, networking career fair for a job board, networking career fair 4. Do you plan on returning to school? If soso, what type of degree? PrerequisitesPrerequisites for Graduates 5. Why do you want to return to school? To improve employment opportunities Which schools were you considering? I was acceptedto schools to schools I wasn’t interested 7. Are you currently enrolled in any classes? Yes No Did you receive financial aid? Yes No 9. Have you ever been employed before? Yes No 10. Is there anything else you’d like us to know about you as a student?

Student LoanLoan Exit Interview

How long have you been enrolled at the universitythe university?

I attended university for 4 years. I graduated this past May .

What was the total numbernumber of student loans that you borrowed while attending school?

$20,000-00

Did you ever default on any of those loans?

No

Were you offered any type of deferment or forbearance (not including public service loan forgivenesspublic service loan forgiveness)?

Yes. I applied for and received a full disbursement of my federal loan payment plan.

When were you offered the deferment or forbearance?

December 2015

How many times havehaveyou been you been sent letters informing you about your repayment options?

2

Did you ever receive any kind of correspondence indicating that your loan balance would increase after receiving your first letter?

Yes. I had a letter stating that my payment amount would double based onon my initial payments.

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