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Need to Get Rid of My Student Loans to Start a Family. – Mike

“Dear Steve,

Graduated 2006 and now have $12k more debt then original 2 Private Tuition and 4 Private student signature loans with Sallie Mae.

Last loan of which was with 1 semester to go for nearly $30k and seems after this article to be def in the category of non education necessity kinds. I am delinquent month after month and continuing to accumulate.

I am on the verge of starting a family and being married which will not make it easier but am considering bankruptcy prior in order to be relived of this astronomical amount ($70k) of private loans at an institute that was no more than $30k itself.

Do I just approach a bankruptcy lawyer and they will know all about the info needed to get some or most of these loans forgiven? Where do I start otherwise or is there any hope in sight?


Dear Mike,

Your student loan situation does not sound like one that is likely to get any relief from bankruptcy. The issues are there is no evidence you have any underlying medical issue, and there is a reasonable chance you will be able to earn enough money to service the loans.

However, you should always feel free to talk to a licensed bankruptcy attorney in your state.

You can click here to find a local bankruptcy attorney and talk to them for free about your specific situation. Get the facts and then you can make an informed and educated decision if bankruptcy is right for you.

I always reserve the right to be wrong but simply wanting to get rid of your student loans which you willfully and knowingly took out to now get married and starting a family is the worst possible reason to go for a discharge unless there are underlying mitigating factors.

If your school was not accredited then discharging the loans would be easy. Read this article.

Student Loan Resources

You can use the following student loan resources to help reorganize, discharge or forgive your student loan payments.

The Overall Guide to Dealing With Student Loan Debt

Get Help For Your Student Loan Problem

Discharge Your Student Loans in Bankruptcy

Getting Sued Over a Student Loan

Private Student Loan Help

Student Loan Default

Student Loan Forgiveness and Discharge Information

Watch Out for Student Loan Assistance Programs

Administrative Wage Garnishment

Student Loan Consolidation Information

Specific Federal Student Loan Repayment Program Information

Maybe College Isn’t the Answer

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

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About Steve Rhode

Steve Rhode
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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