My Deadbeat Husband Won’t Help Me to Lower Our Sallie Mae Payments. – Deborah

“Dear Steve,

I have a consoidated student loan with my ex-husband. He does not pay a cent towards that loan and is a deadbeat dad too. I am currently unemployed and the current loan payment of $166 is just too much for me right now. I’m not in default and the current balance is about $18000. I know about IBR but Sallie Mae says I need to have him fill out some forms and sign them in order for me to be in the program. I can’t get him to sign but I need to lower my payments too. I really need some help!

Who can help me to get into the IBR program so my loan payments will be affordable? I have a spousal consolidation but my ex-husband is out of state and I can’t get him to sign the papers so I can get into Sallie Mae’s IBR program.


Dear Deborah,

Do You Have a Question You'd Like Help With? Contact Debt Coach Damon Day. Click here to reach Damon.

I know of no solution to overcome the fact your husband refuses to cooperate with you.

Just remember that Sallie Mae’s IBR program is not for all types of loans.

Income-based repayment helps eligible customers manage their payments on:

  • Stafford loans
  • Grad PLUS loans
  • Most federal consolidation loans

Loans that are not eligible for IBR:

  • Parent PLUS loans
  • Federal consolidation loans that include Parent PLUS loans
  • Private loans

Do you know if your loans are government backed or private loans?

Please post your responses and follow-up messages to me on this in the comments section below.

Damon Day - Pro Debt Coach

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Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
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