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Tag Archives: student-loan

Student Loans Continue to be Ticking Time Bomb

stressed man

If you could see me at the moment you’d find a man blue in the face. Literally blue! And I’m blue from talking about the dangers of student loans over the past years and having it fall of deaf ears. Recent data from the Federal Reserve Bank of New York and Equifax shows just how dangerous student loans are. In ... Read More »

Can I Still Do an Adversary Filing on My Old Bankruptcy Over Student Loans?

Student Loan Corkboard Concept

“Dear Steve, My wife and I filed for bankruptcy in 2005. I tried including my student loans but was told I couldn’t. I was never told about this adversary filing. I filed for bankruptcy as a result of medical illness. At that time I was Declared legally disabled for a closed period of time.(yes during the time of filing) I ... Read More »

Sallie Mae is Coming After My Son After His Co-Signer Passed Away. – Diane

Certain death

“Dear Steve, My father-in-law had co-signed sallie mae student loans for my son approximately seven to ten years ago My son has been paying interst only on these loans of 68,000 dollars. 40,000 dollars is the portion that was co-signed. In April of this year my father-in-law passed away and know sallie mae is telling us that this money is ... Read More »

Student Loan Infographic. Yep, Student Loans Suck.

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How to Run a Clean Student Loan Assistance Program

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Since I started writing about student loan rescue or assistance programs that look like they take unfair advantage of consumers I’ve heard from some that would like to know what a “legitimate” student loan assistance program actually would look like. You can see the current list of articles on this subject of student loan assistance or rescue issues, here. My ... Read More »

Student Loan Assistance Rescue Scams On the Rise – Buyer Beware

robbery

There has been a sudden rise in the number of companies that are selling purported student loan assistance programs. Recently I covered three such programs here, here, and here. You can see all the stories on student loan rescue companies here. One of these programs was even being sold by an IRS approved non-profit charity that targets military members. The ... Read More »

Got Student Loans While on Active Duty in Army. I’ve Defaulted. – Justin

military

“Dear Steve, 12 years of military service. 1 bad decision to get student loans while active duty. I have accrued some debt with student loans while on active duty and have defaulted because I am overseas and don’t have the info for the lenders and now Im afraid they are going to take my tax return when I have to ... Read More »

Kentucky Higher Education Says I Owe a Lot of Money for a Student Loan. – Beth

College Tuition Expenses

“Dear Steve, 47 year old,, married, recently moved to N.C.. I went back to school in 08′ and my school loans added up to 5600.00. I deferred the loans and was notified in 2012 that the loans were not deferred and had been in default for a year. YES a year. I explained this doesnt make any since if they ... Read More »

American Households Sinking in Student Loan Debt Says Pew Research Center

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Student loans have become the sudden modern toxic loan. Subprime mortgages were the last. While government backed student loans can offer borrowers some advantages loan repayment programs, private student loans are grossly unforgiving and leaving more and more people stranded in a life of debt slavery without any solutions on how to break free. Today the Pew Research Center has ... Read More »

I’m Living Paycheck to Paycheck After a Divorce and Can’t Make a Dent in My Student Loans or Credit Card Debt. – Tonya

justball-144x125

I have just over $20,000 in student loans, $8000 car loan, $700 credit card, I’m working on paying off a charged off credit card of about $3500, and I have a hospital bill of around $1400. I currently make $23712/yr. I’m making minimum or Income Based payments on All of them and now my IBR for my student loan has ... Read More »

How Can I Bring My Student Loans Current in a Reasonable Amount of Time? – James

justball-144x125

“Dear Steve, In a nutshell: 33,000 in student loan debt, not great credit, debt to income ratio to high, to many accounts with high interest, can’t refinance house, wouldn’t make any money selling the house. I’m having trouble making monthly payment and my student loans are on forbarence are coming due. I don’t have emergency funds left in my savings ... Read More »

I Have to Do My College Degree All Over Again But I Have Old Student Loans. – John

justball-144x125

“Dear Damon, I’ll try to make this as informative as possible. I was a senior at my last college, and I took a 30k starter loan. I really thought I would be graduating months later. However, that was not the case, and I had to start over at a new school. This new school has required me to pretty much ... Read More »

College Grads 2011, Bad News, You Are The Most Indebted Ever With Student Loans

WSJStudentLoan

Thanks to an awesome reader and tipster (send in your tips here) I was told about the recent Wall Street Journal article which shows the graduating class of 2011 is the most buried under student loan debt, ever. Even as the average U.S. household pares down its debts, the new degree-holders who represent the country‚Äôs best hope for future prosperity ... Read More »

I Just Got a Notice That My SSI Payments Are Going to Be Garnished for an Old Student Loan. – Alexandria

justball-144x125

“Dear Jeremy, I withdrew from my doc studies three months before graduating becuase my spouse became terminnaly ill in 1997. He passed away Dec 20, 2010. From 1997-2011 I became his full time caretaker. I could not work. The student loan people hired various agencies that proceeded to abuse us every day 7 days a week calling family, neighbors, friends, ... Read More »

We Are Trying to Get Out of American Educational Services Student Loans

justball-144x125

“Dear Steve, My wife returned to school several years ago and took out some student loans. Those loans were eventually sold to aes. One was for about $10,000 and the other for about $8,000. She has been paying the minimum statement for five years, (about $9,000) but the amount owed hasn’t decreased! The payments are for about $150 a month ... Read More »

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