I, like many and hopefully some of y’all, stopped paying my student loans during Covid and never restarted paying because we’re supposed to have gotten relief from this debt that should’ve never existed in the first place. Now we have Trump coming back which kills the possibility of debt relief. So should I start repaying so I don’t get my wages garnished? Or do we think the government is going to be too inefficient to come after it?

Edit: At one point when I heard that it was the only way to get forgiveness, I moved all my debt from a third party to being a government loan. Does that change anything?

    • dave@hal9000@lemmy.world
      0·
      15 days ago

      I mean, I have been paying this whole time lol, did I say otherwise? That shit is on autopay. What I do mean is that I haven’t kept up with the constant shifting of rules and programs that start and then get stopped by the courts, etc. I am busy working my ass off, and if last time I had to deal with this is any indication, I have to take the equivalent of a whole day off, do research, spend hours on the phone with the servicer, then do a bunch of paperwork just to ensure I have things the way they are supposed to be (unlike a whole year I was overpaying because I didn’t know about some consolidation process).

      These are government loans that are then managed by private companies. Considering I pay not only interest but also taxes, I think is fair to ask that the way it be managed by some better means than some shifty inefficient third party business, that makes me do their job for them just so I can be paying the fair amount I am supposed to, and also get the forgiveness the government promised me for applying my advanced degree to non-profit work for 10 years: that’s not a fucking hand out, it’s a deal the government made with me to satisfy a policy need they had. I am doing my part and making all these payments for a decade, and they’re not exactly doing their best to keep their end of the bargain when you have some byzantine program they outsourced and screws over a bunch of people that have kept up their end of the bargain.

      So, get over yourself. I don’t understand what’s your fucking problem here

      • thisguy1092@lemmy.world
        0·
        15 days ago

        My problem is you expecting a bail out for something you signed up for yourself. I’m not over here complaining about my my loans. I pay them.

        How does a 30 year mortgage sound then? Gonna whine and complain about that for ten years and just expect it paid off by others? Get outta here loser