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Ask The Get Out of Debt Experts

I Have a Doctorate, Student Loans, and Want a Job

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Question: Dear Steve, I took out student loans to complete a doctoral degree. I completed my degree in 2013. Since then, I have been applying for full time employment so that I could meet my payments, but to no avail. Trying to find full time employment in the United States is like looking for a needle in a haystack. It ... Read More »

    Why Do I Have to Pay for Forgiven Student Loans in My Bankruptcy?

    Smiling Disabled Senior Woman In Wheelchair

    Question: Dear Steve, I have approximately, $144,000 in student loan debt and in 2011, had to file bankruptcy in Ala. My debt were about $34,000 and would be paid off on a 3 yr. plan. However, my attorney said that even though my student loans were not in default they must be included. Therefore, we went from a 3 yr ... Read More »

      My Wife is Mentally Disabled. Can Her Student Loans Be Forgiven?

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      Question: Dear Steve, My wife graduated in 2001 B.a. degree music. Accumulating $154,000 student loans. She has been on permanent disability since 2000. Benefits of $547 month. I am 70 work to maintain medical insurance income $2000 month. We have filed bankruptcy twice due to long term medical bills. last time Jan 2010. My wife has attempted to work twice ... Read More »

        Am I Eligible for the IBR Student Loan Forgiveness Using a Government Funded Company?

        Problem Solving Series

        Question: Dear Steve, I am the sole provider for me and my daughter, which will be a sophomore this upcoming fall. I have a outstanding student loan for 29,000. I attended a 2 year technical college called Miller-Motte, I graduated with an associates degree, which have never done any work in that field. I work at a production plant making ... Read More »

          I’m Disabled and Having My SSI Garnished for Student Loans. What Can I Do?

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          Question: Dear Steve, In my 3rd year of college, Dec. 1988, I was involved in an auto accident with a semi. My head hit the steering wheel with force and I have CNS damage and lesions on my brain. I went right back to school and failed class after class. I did not have continuous memory for 6 months. I ... Read More »

            My Student Loan Balances Enlarged Without My Permission

            Why?

            Question: 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 ... Read More »

              My Ph.D. Loans Will Leave Me Old, Broke, Hungry, and Cold

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              Question: Dear Steve, I have $175,000+in student loans from grad school programs. My first grad degree program was a PhD in political science; the second a high school teaching license in social studies. Neither field has been hiring over the past 15 years at anything other than a negligible rate. Because I have my masters degree, I am more expensive ... Read More »

                My Art Institute and Fullsail Student Loans Are Outrageous and Unaffordable

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                Question: Dear Steve, I have obtained private loan debts from for-profit schools such as the Art Institutes and Fullsail. These debts have doubled from the interest alone. I find myself in a cycle: when I do work, all of my income goes to paying the minimum payment, or I go back school, but a legitimate state school to postpone payments. ... Read More »

                  My Apartment Complex Took My Check But Never Cashed It

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                  Question: Dear Steve, When we moved out we gave the apartment our new address and asked them to send the final bill because they did not have it available. This was in January 2015. I tried calling a handful of times and couldn’t reach the apartment complex. In May, we had not received a bill yet so on a trip ... Read More »

                    My Mother Stole My Identity and Took Out a Discover Card

                    Identity Theft Warning Sign A yellow sign with the words Identity Theft on a keyboard

                    Question: Dear Steve, I am now a sophomore in college, during my first semester in college my mother took $1,000 from my financial aid refund because my bank account was connected with hers since I was not 18 at the time I opened my bank account. My mother has a bad history of taking money from people, she took a ... Read More »

                      What Can I Do to Get Out of Being a Cosigner on a Private Student Loan

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                      Question: Dear Steve, I co-signed a private student loan in 2005 for my ex-wife (she was not my ex-spouse in 2005). The amount was $10k. Current balance is ~$6,400 and is in deferment (1-2 months left on that). She agreed to pay it post-divorce but fails to do so unless her arm is twisted enough (usually when it becomes 120+ ... Read More »

                        Why is Navient Chasing My Cosigner for My Student Loans?

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                        Question: Dear Steve, I made the mistake of attending a for-profit college and, like most students, took out a bunch of loans to be able to complete my education. Also, like most students, I didn’t know what I’d be getting myself into with private loans, which were taken out with Sallie Mae (now Navient). I’ve been trying unsuccessfully to find ... Read More »

                          Will I Be Stopped From Getting a UK Visa Because of Old Debt?

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** Note: Shallow depth of field

                          “Dear Jon, I left UK in the 2013 as my work visa expired. I couldnt pay my bank loan and my account was in overdraft. My bank wasnt closed either. Will this stop me from visiting the UK. Will UKBA not grant me a visa and will i be stoped at the immigration. Any information will be helpful. Appreciate your ... Read More »

                            Why is Indian Company Bilqeesh Threatening Me in South Africa for a Dubai Debt?

                            Portrait of two boys with South Africa's flag painted on their faces

                            “Dear Jon, I was informed by a South African tracking company that I was handed over by Abu Dhabi Islamic Bank in July 2013 and that a company Bilqeesh International were tracking me to my home country. The Credit card limit was 10 000AED but is now standing at over 21 000AED. This amount fluctuated as I enquired about it ... Read More »

                              Is Afni Collections Really a Scam?

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                              Question: Dear Steve, Do you know anything about Afni Collections? I recently looked into their legitimacy and was extremely confused. There are many websites that allege Afni is a scam. I was contacted by Afni recently. I checked out their website, which shows they are located in California, but many of the websites claiming Afni is a scam state that ... Read More »

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