I went to Bryman Institute in 2007 for medical billing and coding. While I was there they changed the name to Everest Institute which was a red flag to me but I was already in the program for a while so there wasn’t much for me to do.
I successfully completed the program and got a job at the place I did my externship. The job was part time with not much pay but I stayed for 3 years. I was put on bed rest when I was got pregnant in 2009 for the last 2 months of my pregnancy and after giving birth I became a stay at home mom.
Since graduating from the school I have heard a lot of not so great things about the school like a class action law suit against them because they were charging for room and board, transportation, and other things that they shouldn’t have charged for.
I never really looked into it myself so I am not sure how true it is. I also heard the school has a bad reputation with places so having that on my resume makes it hard to get a job.
I have applied many places and have not been successful with finding a job in my field. I haven’t paid on the loans and they are in default now.
My dad was paying on them and we even thought he paid it off but come to find out I have 3 different loans which I didn’t know that I thought it was just one loan and he only paid off one of the loans which didn’t really put a dent in over all total amount.
I have also called the school’s career services department and was told there was a list of places looking to hire people in my field but never got a call back with that list and when I called back I was told they didn’t have anything right now.
My question is what can I do about my situation with the loans. I am not employed right now. Is there any programs that could help me with this situation.
I would like to file bankruptcy but I was told I couldn’t because you can’t put student loans on bankruptcy which I think is not fair because I have tried to find work but I really think me going to that school is the reason I can’t get a job in that field.
I also have another ? not sure if you can answer but I was told that when I get married my fiance’s house could get took because of my student loans but my name is not on the house at all, is this true or was the debt collector trying to scare me into paying? My loans were through Sallie Mae.
If your name is not on the house they can’t place a lien on the property. Don’t worry about that.
If your loans are government guaranteed loans then you do have some excellent options. See The Ultimate Guide to Dealing With Student Loans You Can’t Afford.
If the loans are private student loans then only the programs the lender may elect to offer are available.
People go to school all the time and take out student loans for it, hoping it will pay off in the long run. Sadly, 75 percent of those that owe on student loans, never graduate. And those that do are not guaranteed a job, but guaranteed to have the debt.
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