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Student Loans

I Filed Bankruptcy and Now Need to Get My Student Loans and Credit Score Rehabilitated. – David

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“Dear Steve, First off, I’d like to say thanks for your site. Your answers to other people’s questions has really helped me plan my own bankruptcy recovery (monitor my reports, use a secured credit card to help reestablish credit). However, there’s one thing that I haven’t seen come up, so I’d like to ask: student loans. I’m sure everyone who ... Read More »

I Need a Grant to Pay Off My Nursing Loans. – Deanna

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Deanna “Dear Steve, I am a single mother of 2. I graduate with a BSN in nursing but of student loans far outway what I make. Sallie Mae is now threatening to take legal action or start garnishing my wages. I either pay rent or pay sallie mae. What can I do to either pay them off or get some ... Read More »

I Have No Debt But My Student Loans Are Hurting My Credit Score. – Maria

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“Dear Steve, Currently trying to buy a home Fresh Grad 1st year New Hire Paid off all debt–except for student loans ($40000) I have been working very hard at imporving my credit since I have obtianed a job in healthcare fresh out of college (’08). I was at 619 and was enrolled in classes this semester. I spoke with my ... Read More »

We Are Graduating From College With Too Much in Private Student Loans. – Tyler

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“Dear Steve, Between me and my wife we both gross around 2600 a month. We are just graduating from a private school and we are looking at having 145000 worth of student loans. We cant afford the 1400 dollar payment every month. What can we do? are there any options that we have for chapter 11? We have talked with ... Read More »

Department of Education Refuses to Forgive My Loan. – Paula

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“Dear Steve, I have a student loan from 1986 that was 2,200 dollars and I owe 46,000 dollars now because of interest and penalties and the school was a fraud and i never finished or go a degree and i have tried for years to get a foregiveness on it and the dept of ed tells me i do not ... Read More »

My Wages Were Garnished for a Student Loan Without Taking Me to Court. – Pamela

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“Dear Steve, I have a student loan….i went thru the rehab program last year…i couldn’t agree with nco on a set payment of 115.00 a month they said to low…they sent paperwork to my job for garnishment…my question is this the garnishment was sent from ecmc letterhead in re: nco financial for garnishment..i was told by a lawyer (for advise ... Read More »

I Am Mentally and Physically Disabled and Can’t Pay My Student Loans or Bills. – Callie

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“Dear Steve, I am currently disabled due to both mental and physical ailments. These problems have been exacerbated by chronic unemployment (and therefore poor medical treatment) over the past six years. Now, I couldn’t even work if anyone did offer me a job. I receive state assistance because I am medically unable to work. I get $339 a month. I ... Read More »

I Racked Up Private and Government Student Loans. – Jessica

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“Dear Steve, I went to graduate school when I was 35 and racked up both govt and private loans. My private loans were okay around 350/month for the first two years, now they are $572/month. This is very hard for me to pay right now but it seems there is no solution or answer. I teach part time as an ... Read More »

University of Michigan Graduate Needs Some Student Loan Help. – Kristi

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“Dear Steve, I am 23 years old, and have recently graduated from UM with a BA. Unfortunately, I’ve also graduated with $110,000 in student loan debt, $20,000 of which is federally-backed. It’s the other $90,000 in private student loans that have got me backed into a corner: From what I can tell, I have no options as far as repayment ... Read More »

No Way Out Of Mess. Wish I Had Never Gone to School. I Have Nothing to Offer To Anyone – Lisa

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“Dear Steve, I am currently $96,095.00 in student loan debt and it is quickly increasing because of the interest. I was laid off this past June. With having my mortgage and utilities I have little left from my unemployment check to make the payment of $724.00 per month. I have very little hope right now. I feel my life is ... Read More »

My Father Stole $25,000 From Me. – Drew

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“Dear Steve, I’m 28 years old, have a 17 month old son, sole provider currently (my girlfriend is in nursing school). I have $28,000 in credit card debt, $15,000 student loan debt with Sallie Mae, currently trying to sell my house since I am quickly becoming unable to pay my mortgage. I owe my mother $16,000, which I borrowed to ... Read More »

I Have Tried to Lower My Student Loan Payment Without Luck. – Scott

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“Dear Steve, I graduated from college with a ton of debt. From AES: Loan1 = $23,977.76 Loan2 = $35,285.42 Loan3 = $40,775.22 From Sallie Mae: Loan1 = $2,664.58 Loan2 = $3,552.73 Loan3 = $5,567.47 My income is $42,000 / year. I have tried to lower payments through AES, but according to the representative, they have made it much tougher to ... Read More »

My Daughter Took Out Student Loans. I Couldn’t Co-Sign. Her Grandmother Did. Now She Can’t Pay. – Lorrie

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Lorrie “Dear Steve, Four years ago my daughter decided to go back to school. She took out student loans through Sallie Mae. I tried to co-sign for her but was turned down… my mother was not. So now we have a problem of course, my daughter has 2 children, no job and the ex-husband doesn’t work either. My mother (the ... Read More »

If I Knew Then, What I Know Now, I Would Have Run Screaming From Sallie Mae. – Rachel

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“Dear Steve, I have a loan through Sallie Mae that is the subject of many a sleepless night, and if I knew then what I know now, I would have run screaming and NEVER taken out this loan. I graduated from a state university not quite a year ago and took out $42,000 to cover school, books, and living expenses. ... Read More »

I’m Divorcing My Deadbeat Husband and He Wants Me to Pay His Student Loans. – Janet

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“Dear Steve, I am going through a divorce, and am drowning in debt. My “husband” was unemployed for 6 years, which caused me to borrow money to help the family survive. He graduted from school last year, and is currently unemployed and has decided (told me so) that I must be the one to pay for his Sallie Mae school ... Read More »

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