Ask The Get Out of Debt Experts Student Loans

My Student Loan Balances Enlarged Without My Permission

Written by Steve Rhode


Dear Steve,

Back in the early 90’s I took three loans equaling 6000 dollars. I failed to complete the program I was in enrolled in and never received my certification. Unable to get a job in the field I had been training for I consolidated the three loans into one thinking the payment would be lower and less to keep track of. And then in 2006 with out my approval it was enlarged again, now it 54,000 dollars and I’m still unable to make payments.

How do get out of debt?



Dear Mary,

It is a common misperception that if you fail to complete a program that some break is available. In fact according to recent stats, more than half of people with student loans fail to graduate.

Student loans are not a guaranty to get the certification or degree and if you don’t then you are left with the debt and not the benefit.

It is unclear how the loan was enlarged without your approval. But if your loan is in deferment or was in collections the balance can easily explode. For example, just being in collection can add 20% more the the balance due.

Without knowing more about the type of loans you have, you should refer to The Ultimate Guide to Dealing With Student Loans You Can’t Afford.


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.

About the author

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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