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Student Loans

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 »

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 »

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 »

Were My Student Loans Eliminated in My Bankruptcy? – Erika

college-class

“Dear Steve, I obtained a Private Student Loan through Loan to Learn (Educap, inc. 5Star bank) in 2004 for $30,000 that required payment towards a variable interest rate while in school. I have paid on time from 2004-2012 before facing a hardship. With an average monthly payment of $300 (sometimes higher, sometimes lower) I have paid well over $25,000. I ... Read More »

Sallie Mae Took Advantage of Me When I Was. – Nicolle

hiding

“Dear Steve, I have 5 student loans, currently totally about $48,000 after 6+ years of repayment. Two of them are private loans at only about $1,300 each, another private is at about $8,000, my only federal loan is at $11,000, and my bear of a loan is a private loan with Sallie Mae, currently at approximately $26,000 (original borrowed amount ... Read More »

Should Me Son Cash Out an Annuity to Pay Off His Student Loans? – Tracy

brain

“Dear Steve, My son was given a generous gift of $10,000 by my husband’s aunt. The money was given for “education” and placed in a conservative investment annuity by the aunt. We never did anything with the account but accept the quarterly statements. My son has graduated from college, and is fully employed in his field. His loans are due, ... Read More »

I Gave My Student Loan FAFSA PIN to a Debt Help Company. Help! – Amy

stressed-woman

“Dear Steve, I saw the link for StudentLoanSupport.us on Facebook and clicked on the link. All it asked for is my husband’s name, our state and phone number. Shortly after we were contacted by Craig with Student Loan Support. We put off the discussion until today when he called me (Amy) about my husband (David)’s loans. I was on the ... Read More »

I Got a Call From a Student Loan Helpline Company About My Loans. – Tracey

Drowning swimmer

“Dear Steve, So I have roughly $75k in federal student loan debt, that due to economic hardship, I am having difficulty paying. I got a call from one of these so called “Student loan help line” companies that told me that if I let them consolidate my loans that the max I would have to pay is 197 payments and ... Read More »

My Private Student Loan Company Won’t Let Me Pay What I Can Afford. – Mitch

Searching-right

“Dear Steve, I’m a first generation college student, and attended Hartwick College for 1.5 years until transferring and finishing college at SUNY Oneonta. I owe near 80k from my college years. I had two private student loans that were held thru CitiBank for a total of near 20k. Citibank worked with me on deferment, income based repayment, and delaying payments ... Read More »

Can I Settle My Private Student Loan Debt? – Tim

Alone and Lost

“Dear Steve, Unemployed for two years after college, defaulted on one of my private student loans, delinquent on others. Credit is already terrible. I have three private student loans, one of which I have already defaulted on. I recently came in to some money and want to use it to wipe out my student loan debt, or at least as ... Read More »

Sallie Mae Won’t Lower My Payment So I Can Afford It. – Kristen

hiding

“Dear Steve, I have both federal and private loans through Sallie Mae. I used my private loan to pay for housing for my child and I. Sallie Mae is working with me in paying back my federal loans by using the income based repayment alternative. However they will not lower my monthly payment on my private loan to an amount ... Read More »

How Can I Live and Repay My Student Loan Debt? – Ben

Desperate

“Dear Steve, I’ve been reading through your blog articles for a few nights now. Yet, I find myself falling outside the range of your advice so far. If you have to time, I would love to pick your brain about my debt situation. CreditKarma notes I have $123,000 in student loan debt, with a credit score of 590. I have ... Read More »

Can I ConsolidateAll My Student Loans Into a Federal Consolidation Loan? – Jules

Debtstar

“Dear Steve, I am at the very end of the grace period since I graduated, and will owe a total of $47,000 in student loans (all are government ED loans both Direct and Stafford unsubsidized and subsidized). The Direct loans are being serviced by Great Lakes, and until I call them I don’t know what the payment(s). The Stafford loans ... Read More »

I Went to LSU Shreveport in 1990 and Still Paying Student Loans. – Julie

student loan default

“Dear Steve, I took out a student loan in 1990 at LSU-S in shreveport, LA in order for me to finish my degree. I had left an abusive husband and had been a stay at home mom. I needed that amount for living expenses so I could graduate sooner in order to take care of my children financially. Twenty years ... Read More »

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