Do I Still Have to Pay My Student Loans Even if I Was Not Tested?


Dear Steve,

I have 28 yr old student loans the school I attended is now closed but they never tested me and I don’t have a get I never finished school due to a family situation.

Am I still responsible for loan being I was never tested and have no get and the school is closed?


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Dear Melissa,

If these loans were federal loans then there are some circumstances where the loans would be forgiven. But the school would have had to close while you were enrolled or within 120 days of your withdrawal.

Given any underlying technical issue that may make the loan subject to an expensive bankruptcy fight, it sounds like you attended the school and the claim is made for loans for that period. Being tested is not a condition of owing on the backend.

However, for federal student loans, testing is required if you did not graduate from high school or demonstrate a similar level of competence when you enrolled.

In that case, see No GED or High School Diploma? Your Student Loans May Be Cancelled, Discharged, and Forgiven.

Damon Day - Pro Debt Coach

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