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Ask The Get Out of Debt Experts

I Paid Macy’s But They Sent Me to Collections. – Matilda

Mature woman confused

“Dear Steve, In March 2013, I purchased $74.98 with a brand new Macy’s Star Rewards card. They sent a statement, I paid the full amount, on time, in their enclosed envelope. They claim they never got the check and pressured me to pay by credit card over the phone. Since they had called me, I declined. Then they sent me ... Read More »

I Have Loads of Student Loan Debt Buy No Degree. – Shane

black-hole

Dear Steve, I went away to school my freshman year for college. I transferred to 4 more schools and have yet to obtain a degree. I’ve been taking a class here and there, sometimes dropping the class. That freshman year, I had a private student loan (Lehman brothers, soon to be bought out by Wells Fargo). I work full time ... Read More »

After a Previous Bankruptcy We Are Still Drowning in Sallie Mae Student Loans

Drowning swimmer

Dear Steve, A few years ago my husband & I filed for chapter 7 BK & it was discharged (2008). We were told that we couldn’t include our huge private student loan ($68,000) at that time by our attorney. Our private student loan is actually a Sallie Mae “private student consolidation loan” that we stupidly rolled my husband’s federal student ... Read More »

My Grandfather Cosigned for My Private Student Loans and I Can’t Pay. – Tasha

broken piggybank with dollar notes

Dear Steve, My grandfather co-signed for me a few student loans through aessuccess.org in 2004. Within 3 days, I received the funds. The debt collectors started calling and harassing in 2009 claiming my 5 years was up, so it was time to start paying the debt. They wanted me to pay over $700 a month in payments. I was only ... Read More »

I’m a Disabled Former Law School Student and I Can’t Pay My Student Loans. – Tony

black-hole

Dear Steve, I have amassed a huge student loan debt from law school over 20 years ago. I never completed law school because of mental health issues. My loans went into default and I have not been in an economic position to make regular payments all of these years. The student loan company (American Student Assistance) takes money from my ... Read More »

American Debt Mediators Scares Woman

Screen Shot 2013-08-22 at 10.01.17 AM

“Dear Steve, She has been scammed, and it is affecting her health. I sometimes wish I hadn’t said anything to her. Please advise me how to help her. I have worked in small claims court and have a feel for the process. But I told her this was a scam and now she is scared to death. I need to ... Read More »

I’m Smarter Than My Student Loan Debt. – Gail

Mature woman confused

“Dear Steve, I am a fifty-year-old teacher with a doctorate who has taught a total of 20 years. All of my education had been paid for in full by me (including the doctorate) until I decided I wanted to get out of the classroom and go into another field. I later earned 1 1/2 additional masters degrees that I funded ... Read More »

I Can’t Get Married Because My Partner is Sinking in Law School Debt

stressed-woman

Dear Steve, Hello and thank you for your time and generosity. My partner of 12 years is drowning in debt, all defaulted school loans. Partner because we have decided not to get married due to his debt as I wish to keep our finances, identities, etc. separate due to his incredible debt burden. He is an attorney (graduated 6 years ... Read More »

Can I Really Discharge My Radio1 Broadcast School Student Loans in Bankruptcy? – Jaclyn

microphone

Huffington Post Reader Question Dear Steve, I took out a Sallie Mae Private Student loan for Radio 1 Broadcast School in LaCrosse, WI. I had one radio job (part time, one time a week) for one year before I decided that if I stayed in radio, I’d never get anywhere money wise. I also feel that I was inadequately trained ... Read More »

I Finally Became a Registered Nurse But I’m Drowning in Student Loans. – Carmen

operating room

Dear Steve, I went back to school to earn my Registered Nurse License. Took out huge loans for school that I can not pay back at the moment. As a new grad, it took me almost 2 years to finally find a job. I have been working as extra help/on-call for approx 9 months now and was told I will ... Read More »

The Private Student Loan Lawyer Says I Have to Settle

Sagging Economy

Dear Steve, I have defaulted on a student loan in the amount of $33,240 with NCO. A law firm has called me and says that I must settle for $26,592 in the month of August or I can get on a repayment plan for $9,972 and then a monthly payment of $332 but keeping in mind my interest will accrue ... Read More »

My Daughter Spent a Lot of Her Student Loans on Living Expenses, Not Tuition

College Tuition Expenses

Dear Steve, I co-signed for approximately $35,000 worth of school loans for my daughter. She graduated from Chatham University in 2010 with a bachelor’s degree in psychology. She could not find a job in her field paying over $25,000 per year. She went back to school and has since graduated with her degree in nursing and is taking her boards ... Read More »

I Can’t Afford My Sallie Mae Student Loans With My Art Degree. – James

painter artist dog

Huffington Post Reader Question Dear Steve, Attended the Art Institute of Ft. Lauderdale, FL for game art/illustration from 2004 to 2006, transferred to the Art Institute of Philadelphia, PA for animation, from 2006 to 2007, transferred to the Pennsylvania Academy of the Fine Arts in 2007 and graduated in 2012 with a certificate in painting. I have a total of ... Read More »

The Advocacy for Consumer Rights Says I Have a Good Case Against Wells Fargo. – Tina

Super Hero - Female

Notice (9-24-2013) – On 9-23-2013 I was served with a lawsuit from The Advocacy for Consumer Rights, which you can read here. They mention this article in the suit and claim “Defendant also posted false statements on the internet, at http://getoutofdebt.org/60957/the-advocacy-for-consumer-rights-says-i-have-a-good-case-against-wells-fargo-tina stating that TAFCR’s program is a conspiracy to get people with mortgage fraud cases to believe they are a ... Read More »

Student Loan Relief Center is Trying to Sell Me Help

calculator

“Dear Steve, I currently have my student loans consolidated under the Fedloan Servicing, under the graduate repayment plan, with my debt being $42,000. Recently the Student Loan Relief Center contacted me saying they can save me money by switching to them. I qualify for the income based repayment plan and they made it sound so enticing by saying I pay ... Read More »

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