I Married a Drunk and Selfish Ass Who Never Cared About Debt or My Student Loans. – Tammy

“Dear Steve,

I have a 22 year old student loan, it was 1.200 originally. I was married to a drunk and a selfish ass who never cared about debt. who has gotten us into more and more debt .I got rid of him finally now I am filing bankruptcy for all the debts except the student loan. With interest it is now 9,000 dollars. and they want to take my taxes. I need the money I am trying to change things.

How can I get this loan forgiven please?


Dear Tammy,

Well I guess the best thing you said was “I was married” which implies you are not now.

Can you get the loan forgiven after 22 years. Only if you worked in public service for the past ten years. If so, see Student Loan Public Service Loan Forgiveness – New Forms and Documentation Released.

Hopefully this is a government backed loan. There are some good options to get on a repayment plan you can afford for federal loans. The Income Based Repayment plan will give you a monthly payment that is based on your income. See this link.

If this is a private student loan your only options are going to be whatever your private loan servicer makes available.

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


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

Damon Day - Pro Debt Coach

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