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Tag Archives: student-loan

My Parents Defaulted on My PLUS Loan And Now My Credit Has Been Damaged. – Melissa

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“Dear Steve, My parents defaulted on a PLUS loan now my credit has been severely damaged. My parents took out a PLUS loan for my college tuition. It is now defaulted. I can’t figure out why my credit is now severely damaged when the loan is not in my name or social security number. I am having a hard time ... Read More »

What Can I Do to Get Help With My Student Loan Payments? – Robyn

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“Dear Steve, I am a single parent of 3 and declared bankruptcy in 2006 My ex let our house go into foreclosure) I receive less then 850.00 A MONTH for my children as my ex collects disability. My annual income is 36,000. I have been unable to pay my student loans for the past 5 years, They went into default. ... Read More »

I Don’t Have Proof That I Paid My Student Loan in Full. Debt Collector is Calling. – Howard

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Howard “Dear Steve, I recently recieved a letter from a debt collector stating that I owed money from a perkins loan that was made in 1992. I tried to call the school but they referred me to the collection agency. I do not have proof that I paid this debt in full some 10 yeas ago Can these people start ... Read More »

I Keep Losing My Tax Return to Student Loans. – Laurie

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“Dear Steve, In 1994 I went to beauty college and was married and really couldn’t afford it so I got a student loan and then I was working for regis hairstylist and hurt my back and they wouldn’t take me back…then got a job doing janital work and broke my back and couldn’t work for 6 yrs. and lived on ... Read More »

I Owe $100,000 in Student Loans and Make $30,000 a Year. – Lex

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“Dear Steve, I completed an undergraduate education with $100,000 of student loan debt (half government/half private) I’ve increased my income to $30,000/yr. and still can’t afford to live modestly and pay my debt. I am 4months behind on repayments. My minimum payment due next month is ~$7,000 most of which is interest. It is IMPOSSIBLE for me to pay this ... Read More »

I’m Living Off My Student Loans and Need to Get Out of Credit Card Debt. – Nancy

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“Dear Steve, I am a full time graduate student who works occassionally. Mainly, I live off my student loans. I have 23K in credit card debt and need to get out of it because I don’t have much money to work with. I’m nervous about consolidating my credit cards because I heard that it doesn’t look good on your credit ... Read More »

My Husband Has Aggressive Advanced Cancer and Our Debt is Killing Us. – Gina

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Gina “Dear Steve, We have a lot of debt and serious medical issues that are generating medical bills we won’t be able to pay. We bought a new house 2 years ago and haven’t been able to sell the old house. It is rented for just enough to cover the first mortgage payment. We have a maxed out equity line ... Read More »

FAFSA Student Loan Scam to Avoid

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This just out of Tennessee: The state deadline for college financial aid is quickly approaching, and state officials are asking parents and students to beware of official-looking letters promising student financial aid information for a fee. Attorney General Bob Cooper and Division of Consumer Affairs Director Mary Clement are urging Tennesseans to be wary of potential financial scams designed to ... Read More »

I Can’t Pay Sallie Mae – Carlos

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Carlos “Dear Steve, Sallie Mae loaned me $10,537.50 on 08/31/1994. I started making payments on it in 2003. Have been in forbearance three times. I have already paid about $7,000 on this loan. he loan is on forbearance until 03/07/2009. Because of financial hardship I wanted to settle with Sallie Mae for $4,000. Total Principal to be paid $13,989.89, estimated ... Read More »

I Have U.S. Student Loans But I Now Live in the UK. – Ben

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Ben “Dear Steve, I’ve been paying off my university loans while living in the UK for years, but not able to cover much more than the interest and so not getting anywhere very fast. I have just under $10,000 to pay. Since I am settled in the UK, what would the consequences be for not paying this debt at all? ... Read More »

I’m $850 in Debt, in College, and Don’t Want to Tell My Parents. – Jessica

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“Dear Steve, I am a college student with 2 years left of undergraduate school and then one more year for grad school. I got a credit card last summer and was doing fine until school started. I couldn’t find a job so my bill racked up to around $850. I still am unable to find a job and I am ... Read More »

I Went to College for a Bit and Now They Want Me to Pay. – Noname

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Noname “Dear Steve, I singed a contract with my college to attend a semester tuition was 10 thousand dollars. I paid 3 thousand and stopped going to classes after that. The college is insisting I pay the remainder 6 thousand dollars, I ignored there request and told them I never attended class. They said since i singed a contract saying ... Read More »

Pam Asks “Does a Deferred Student Loan Lower Your Credit Score”

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“Dear Steve, I have $40,000 in credit card debt but have never missed a payment.I am trying very hard to make more than the minimum payment. I have a long credit history with no late fees ever. My credit score is about 750. I have 3 kids in college and have outstanding deferred students loans that I have cosigned. I ... Read More »

I Went to a Second-Hand College and I’m Deep in Student Loan Debt. – Amber

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Amber “Dear Steve, In 1999 I went to a second-hand school that due to a family situation I was unable to finish. At the time I didn’t realize I was taking on a loan that was double the amount of my schooling. I am now recently unemployed with 3 children and my loan is in default. A company called VanRu ... Read More »

I Thought My Student Loan Was Discharged in My Bankruptcy. Now They Say It Can’t Be and Want Their Money. – Joseph

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Joseph “Dear Steve, Filed BK in Cali June 2006. EDUCAP loan (student) was included in BK. EDUCAP claims that said loan is NOT dischargeable. I’m concerned that they are accurate. My original loan was for 18k (1800 went to them as a funding fee). I paid faithfully for about 6 months. My owed amount in default was 17,700 ish. In ... Read More »

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