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“Dear Steve,

Myself and my wife are both out of college. I went to a private university, big mistake as my mother tried to tell me, and now between the two of us we are about $191,000 in debt to student loans.

Thanks to my grandmother, when she passed away she left me enough to pay off any credit card debt we had. I make $40,000 a yr and she makes about $21,000 a yr. We just moved to Virginia for me to get this job. The pay will go up over the next few years as I move up but right now we are behind on almost all the payments.

We pay $1535 a month in rent. I know it is a house payment but it is normal rent around here. We don’t have cable or internet. It is a choice we made to not have another bill. Our car insurance runs us $120 a month and the student loans payments are over $2000 a month.

Our bank account ends every two weeks in the hole and it feels like it is impossible to get ahead. We talked about bankruptcy but it is not an option with student loans. I need to go back to school for about 2 to 3 semesters to finish my degree and then I would be making more.

Problem is the company will reimburse me AFTER I pay for it… Any advice in the right direction would be helpful and if you do hear about any of the wonderful FREE gov funds do please send some my way. Thank you for your time and god bless you for the work you do!

Nothing specific just any good advice from someone who has been there before me.

Rob”