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Ask The Get Out of Debt Experts

My Graduate School Pursued Me for Payments in Bankruptcy

angry woman

“Dear Steve, I went through bankruptcy and my school filed an Adversarial Proceeding against me I attended a graduate school that is not a Title IV school. However, they were engaged in a number of exploitative and unethical practices. I declared bankruptcy with no problems and my lawyer thought they wouldn’t pursue going after me because they are not a ... Read More »

I’m Disabled, Filed Bankruptcy, But Still Owe on Student Loans

gears

“Dear Steve, I was hit by a drunk driver, suffering several acute compression fractures in my neck and back, ribs, discs, etc…and was wheel chair bound. Fortunately, I recovered well, and am more functional than any of treating physicians expected. I was attending the University of Davis, California at the time ( 1991 ) when accident happened. When I was ... Read More »

How is Sallie Mae Calculating My Interest?

data

“Dear Steve, Sallie Mae recently changed payment ‘firms’ that process automatic debit. I’ve noticed in my new online statements that it shows interest being charged from the 16th to the 15th of each month, even thou my payments are shown on the 10th. Like it’s totally there on the form with payment dates listed 5 days before interest accrued dates. ... Read More »

My Child Support Counts as Income Says the Bankruptcy Trustee

Divorce

“Dear Steve, I was divorced 6 years ago and did not received child support for 4 and 1/2 years and gave my ex $25,000 as part of the equity in my home. I accumulated credit card debt trying to maintain the lifestyle of my kids and take care of them. I filed chapter 13 14 months ago and my case ... Read More »

Can I Really Eliminate My Culinary School Student Loans in Bankruptcy?

chef

“Dear Steve, I have a private Sallie Mae student loan I took out back in 2007 to pay for a vocational education in culinary arts from a school called “Kitchen Academy” (I think they got bought out by Le Cordon Bleu and now they go by the latter name) The loan was originally for $16,000. I now owe $27,000 due ... Read More »

I’m Going to File Bankruptcy. Do I Just List My Student Loans? – Jayna

Travelers Reflection

“Dear Steve, I am claiming bankruptcy and have been unable to secure steady employment since graduation. How would I file my papers to request the discharge of my student loans. Some are private through Well Fargo with a co-signer and some are student loans starting in 2002. The total amount is around $60,000 Jayna” Don’t miss our free Get Out ... Read More »

I Filed Bankruptcy and Listed My Student Loan Debt. – Kevin

Winter Latice and Pergola

“Dear Steve, I had my bankruptcy discharged in April, 2013. I just read your article on discharging student loans, and did not see the school on the list that I attended, I have a loan from sallie mae that is currently with a collection agency. Is there a amendment or special request I can file to see if I can ... Read More »

I Saw a Commercial for Student Loan Debt Help. Are They Legit? – Katie

asian dragon

“Dear Steve, I saw a commercial with a website claiming to help with student loan debt. They listen a website and a phone number. The website was www.studentloansupport.us. Once I filled out a small questionnaire I was notified by phone from the company. A guy named Travis asked for some background info such as Name, where I work, if I ... Read More »

If a Parent PLUS Loan Borrower Dies Will the Child Have to Pay it Back? – Cathey

Cemetery Caution

“Dear Steve, Young lady’s mom had taken out a parent plus loan, the Mom passed. Does the loan automatically become the debt of the student? The student is of course now being told to pay it. I thought since the parent took it out, the debt died when she died. Is there any help in this situation? What happens with ... Read More »

I Died Last Year. Should I Go Bankrupt? – Gary

Wrecked and Abandoned

“Dear Steve, I am broke had a heart attack last year and died for 4 to 6 minutes. I borrowed 55,000 from the bank for a business which is not about anymore. My wife did not sign on the loan at the bank either. She has a business now and helps me live by giving me a 50.00 per week ... Read More »

Need to Get Rid of My Student Loans to Start a Family. – Mike

couple working

“Dear Steve, Graduated 2006 and now have $12k more debt then original 2 Private Tuition and 4 Private student signature loans with Sallie Mae. Last loan of which was with 1 semester to go for nearly $30k and seems after this article to be def in the category of non education necessity kinds. I am delinquent month after month and ... Read More »

Who Can I Trust for Debt Relief Help? – Barbara

classified

“Dear Steve, Trying to read all of your advise … looking to the RIGHT debt relief/help for our situation. Owe about $5,000 in credit cards, not making enough money to make minimum payment. When an advertisement pops up on the screen… is it endorsed by you? Or is this a Google thing? Freedom From Debt Relief Add popped up. How ... Read More »

Can I Get Rid of My Culinary School Loans in Bankruptcy? – Daniel

chef

“Dear Steve, I went to a for-profit culinary school in 2003. They did not receive accreditation until 2004. I have been struggling with private loan debt (montly payments upwards of 1,100 per month originally) since. I had them consolidated in 2007 at a 4.5% rate. Given that my school did not receive accreditation until after I completed courses, would I ... Read More »

My Mother Cosigned My Son’s Student Loans. – Becky

White Picket Fence

“Dear Steve, My mother co-signed two private student loans for my son. One with Wells Fargo and one with Sallie Mae. She has now passed away. There is no estate. Will the loaners be willing to renegotiate the loans with my son? He has just graduated and not started making payments yet. Becky” Don’t miss our free Get Out of ... Read More »

Is It True My Brother With Mental Illness Can Eliminate His Student Loans? – Josh

Desperate

“Dear Steve, My younger brother has been diagnosed as a paranoid schizophrenic. He has fought bouts of depression, hallucinations, and paranoia for the last 5-6 years. He has been on numerous different powerful drugs to help him. He, thank god, has finally found one that helps him with some of his symptoms but no way near is he the same ... Read More »

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