thesixsinks @sixsinks

20 year teacher with the dreaded Joint Spousal Consolidation Loan...waiting for implementation of s1098 for PSLF douspart.org New Jersey, USA Joined September 2021

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AFord @AFord525

2 years ago

@MOHELA also hasn’t offered forbearance to all Joint Consolidation Loans despite recommendations from @usedgov & @FAFSA

AFord @AFord525

2 years ago

@MOHELA also hasn’t offered forbearance to all Joint Consolidation Loans despite recommendations from @usedgov & @FAFSA

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I requested my full payment history w/ Master Promissory Note in preparation for implementation of law 117-200, from @MOHELA 4 times over the course of 3 months and it wasn't until my CFPB complaint that they magically found & delivered the missing records. @SC_DoUsPart

The Debt Collective 🟥 @StrikeDebt

2 years ago

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AFord @AFord525

a year ago

Since 2010, borrowers w/ FEDERAL Family Education Loans were encouraged to reconsolidate into modern Direct federal loans, but spousal loans were uniquely denied access. Congress fixed this with the only amendment to HEA1965 passed in 2022, granting joint borrowers the right to…

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AFord @AFord525

a year ago

🧵The focus on “federally held” is a sick joke to those 🔒in a FFEL joint spousal loan. Congress passed, & @POTUS signed the Joint Consolidation Loan Separation Act into law 117-200 on Oct 11,2022. These 🦄 student loans were blocked from pandemic pause, hard earned PSLF, & even…

U.S. Department of Education @usedgov

a year ago

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AFord @AFord525

a year ago

@Eric_Schmitt @HawleyMO @AGAndrewBailey - I’m begging you to investigate why @usedgov never implemented JCLSA. The law was signed Oct 11, 2022 & it’s now late 2024. Is @SecCardona too busy w/ executive orders to follow the new laws from Congress? Please send help! @SC_DoUsPart

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AFord @AFord525

a year ago

This is the part I can’t wrap my head around, how was it ever legal to report the debt to credit bureaus & demand payment while denying access to view/maintain the account (@MOHELA doesn’t let me have an online account either) but how is that fair debt collection in any court? 🧵

Chrystal Copeland @inachrystalwrld

a year ago

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AFord @AFord525

a year ago

@inachrystalwrld @SC_DoUsPart

AFord @AFord525

2 years ago

@inachrystalwrld @SC_DoUsPart

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Money N Vision🟥🟧🗽🌆🌳🌞 @MoneyVisCoach

a year ago

Really? Where on that list is RESTORING OUR BORROWER PROTECTIONS? How come you are not fighting for that? @KamalaHQ and @Tim_Walz

Secretary Miguel Cardona @SecCardona

a year ago

Really? Where on that list is RESTORING OUR BORROWER PROTECTIONS? How come you are not fighting for that? @KamalaHQ and @Tim_Walz

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4slj @4slj_

a year ago

👇 this bureaucratic finagling is how borrowers have seen 40k turn into 155K with 20 years of payments behind them & that’s no exaggeration. I have lives it . With friends like these … @POTUS @VP all I can say is vote green

Jason Delisle @delislealleges

a year ago

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Coach Rob @RobHamada

a year ago

Please get the JCLSA application out now. Teachers are counting on the DOE to keep their promise. Two years to wait is way too long.

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Chrystal Copeland @inachrystalwrld

a year ago

Unless you consolidated your student loan with your spouse before 2006. We have been stuck in this loop-hole hell for 18 years. @SC_DoUsPart @SecCardona @usedgov

Secretary Miguel Cardona @SecCardona

a year ago

Unless you consolidated your student loan with your spouse before 2006. We have been stuck in this loop-hole hell for 18 years. @SC_DoUsPart @SecCardona @usedgov

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Chrystal Copeland @inachrystalwrld

a year ago

Student loan consolidations laws allowed spousal consolidation prior to 2006. Congress acted in 2022 to change that, but we still can’t separate. I left the marriage but I’m still trapped in student loan debt. @SC_DoUsPart @usedgov

Congressman Robert Garcia @RepRobertGarcia

a year ago

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AFord @AFord525

a year ago

@AGAndrewBailey I completely agree - too bad the Department of Education has failed to implement public law 117-200 for 681 days now! Where is the rule of law? Please investigate why executive orders take priority over laws passed by Congress at @usedgov. Thank you, @SC_DoUsPart

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Katherine Craft @kcraftbekind

a year ago

@SecCardona And yet you've failed to implement legislation that allows Joint Loan Borrowers the ability to separate. Several of those stuck in these loans are tied to former abusive spouses. They are paying their own and their former spouse's share.

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Chrystal Copeland @inachrystalwrld

a year ago

I was a college student over 20 years ago, and I am still suffering the consequences of a broken student loan system. I am a JCL borrower who has paid $65k when I borrowed $24k. I still owe $50k. @SC_DoUsPart

Secretary Miguel Cardona @SecCardona

a year ago

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Chrystal Copeland @inachrystalwrld

a year ago

Also the only way anyone can get out from underneath Joint Spousal Consolidation Loans. I was able to divorce my former spouse, but I am still responsible for his loan. Until death do us part thanks to the Department of Education. @SC_DoUsPart

The Debt Collective 🟥 @StrikeDebt

a year ago

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Bri Kennedy 🌻 @ephoist

2 years ago

@usedgov it’s been a Hella long time since PL177-200 became LAW 416 days ago…. You’ve done NOTHING. Separate THESE LOANS NOW or discharge them! YOU SCREWED THEM UP, YOU FIX IT! @SC_DoUsPart @bobwhamma

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Bob Is Tired Of Data @BobLovesData

2 years ago

@chicksonright The most ridiculous thing is the latest round of forgiveness is people who were on PLSF. Their loans SHOULD have been forgiven PER THE CONTRACT. But it wasn't because PLSF is broken. So is a contract a contract or what? Your arguments aren't even consistent.

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OatmealPower @oatmeal_power

2 years ago

Dear Santa, I have 1 big wish for Christmas this year: That @SenateGOP @SenateDems @HouseDemocrats @HouseGOP come to their senses and change the law so that SLs can be discharged in bankruptcy (like almost all other debts). Older loans should just be canx. Thank you.