My Wife Left Me Because the Bills Were Too Much for Her – Cory


Dear Steve,

I borrowed 22,000 from Navient and I didn’t graduate, and I don’t work right now, I just graduated in a personal trainer program. I cannot find a decent job where I live so I can’t afford to pay on these loans.

What will happen to my grandpa, will they sue, or take his social security check, they are really old on a fixed income, and at the moment I don’t have a income. We took these loans out in 2008.

Please help me please, my wife left me because all the bills are to much for her..



Dear Cory,

I’m so sorry to hear about your wife leaving over debt stress. It can be intense and traumatic. Not everybody is prepared to deal with it.

It sounds as if your grandpa co-signed for these loans. You didn’t say if they were federal student loans or private.

Either way, when your grandpa co-signed on the loans he guaranteed to repay them if you could not.

If these are federal loans, it could lead to his Social Security being garnished. But you should read How to Easily Stop a Social Security Wage Garnishment.

If these are private loans then while your grandpa could be sued, if he has only benefit income and little in the way of assets then they would most likely not be able to garnish him. That is a situation called being judgment proof.

Anytime you have a co-signer you bring them along for the ride. They are 100 percent responsible for repaying the loan and any poor repayment history will impact their credit report. In the case of your grandpa, that’s not much of an issue I bet.

If these are federal student loans then you should consolidate the loans into a new Direct Loan and then opt for an income drive repayment program.

If these are private student loans and Navient is unwilling to come up with a repayment solution that you can both agree on, then you have few options.

See also  What is the Best Way to Get Rid of My Student Loans?

One option is to default and then attempt to negotiate with Navient. See Top 10 Reasons You Should Stop Paying Your Unaffordable Private Student Loan.

The good news is you are dealing with this situation and not just sitting back to let all the bad stuff just happen to you.


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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