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Student Loans

I Have $200,000 in Student Loans. – Kane

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“Dear Steve, I did undergrad and grad school straight through and financed everything. I racked up nearly $200,000 in federal and private debt. I have all my private debt consolidated into a direct loan consolidation with standard repayment, and I have another $50k in private student loans all from different lenders – a total of about 7 loans. To top ... Read More »

I Owe $100,000 in Student Loan Debt And Might Have to Leave the U.S. My H-1B is Expiring. – Venkat

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“Dear Steve, I have been in US from 2002, I have been working full time from 2004. I have been working on my part time MBA from a Top business school from 2008. I am on currently on a H-1B visa now. The green card is no where in sight. I have minimum credit card debt and i have cleared ... Read More »

Your Searches and Speed Round Answers

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I was looking through the recent search phrases on the site this morning and thought I’d take a whack at answering some of them quickly so I’m trying a new approach, the speed round. What happens if you do not answer a debt collectors who is an attorney? If you mean answering the phone, you just flow further down the ... Read More »

I Don’t Know Which Was Worse, the Cancer or the Student Loan. – Paige

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“Dear Steve, Old Student loan rehabilitated with tagged on interest and fees. Need help reducing the capitalized interest added to the loan while I had cervical cancer and lost my job and could not make payments. Do not know where to turn. 7900.00 in capitalized interest was added . I have an old stafford loan with Suntrust Educational loans (guarantor ... Read More »

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 »

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