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Why is the Government Punishing Me for Years Over Student Loans?

Written by Steve Rhode


Dear Steve,

Navient has now been changed From ECMC is that Correct? What legitimately can they Do? Can after 25 years can they finally release a person from debt? ThE Bankruptcy Court is Run by US by the People for the people! CORRECT NOT THE GOVERNMENT right? can they Tell the US treasury to sue a person who is living off of Social Security and pension payments?

Can They Throw a person in Jail? because How come something that started small Like a educational GRANT be granted and than apparently can get LOST? or grow trough or even miss appropriately Funds distributed to a FAILED not accredited School? in Bankrupcy itself? an a school SUE all the students who were CHEATED out of their DEGREES and displaced to another 20 years of being hounded by Collections!!!!!

Even the IRS stops collection after a certain time right? How come Collection agencies KEEP the INTEREST and FEES going INDEFINATELY? How long is too long and Why Can’t a civil person in this country get another Job offer even after They went through the BANKRUPTCY process and and it was determined That THEY were insolvent/broke?

How Can A person START OVER Do we all have to Move to another Country to finally be free to start again with a unknown small business and gain financial Trust and substainment again? Please offer some TRUE ways to Close up THE ever rising interest rates from skyrocketing and the fees from QUADRUPLING into INFINITY?????

Please let Power to the PEOPLE be brought back to our USA And Tell the whole world That EVEN A single MOTHER CAN BE TRUSTED TO WORK again!!!!!!!! In any establishment and WORK again we all MUST be brought UP again to a corporate STATUS!!!!

When Is it ever OK to claim Absolute INSOLVANT in a bankruptcy Court case and yet get another chance to be hired again In this COUNTRY!!!!!!!!!!!!

READ  Interest Rates on Federal Student Loans to Double

Shagged Over


Dear Shagged Over,

I can hear your frustration and outrage but if you are struggling, the first path to choose would be to work within the current system.

You bring up a number of points.

Getting a Job After Bankruptcy – Not as hard as you think. Read this.

Can You Have Your Social Security Garnished – Yes, you can have your Social Security garnished if you owe a federal debt.

When Will They Stop Chasing You – On student loan debt there is no statute of limitation. You’ll have to get Congress to change that.

I Was Cheated By My School – You may have a case for a Borrower Defense claim but it is still to early to understand what that process will be.

The IRS Will Stop Collections – You can actually have IRS debt discharged in bankruptcy after three years of certain events.

Is It Ever OK to Declare Bankruptcy? – You bet it is. You should read So You Are Going to File Bankruptcy. That’s Great News. Congratulations.


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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