“Dear Steve,
I owe student loans and I have even tried calling the compainies to make future payment arrangements, but for some reason the people are so rude and in considerate.
Once I stated making payments of a large sum and was promised after 6 months of payments I could be placed into a loan Deferment program but after I kept my end of the promise the company defaluted on their end and gave me a difficult time after that and on Feb 10, 2010 I became unemployed and has been until January 15, 2013 but I make just enough to make ends meets
If I decided to file bankruptcy which chapter is the best for my situation with the student loans?
Annette”
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The Answer
Dear Annette,
Are these private student loans or federal student loans?
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