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Ask The Get Out of Debt Experts

Can I Not Pay My Private Student Loan With a Cosigner?

A businesswoman thinks and does the questions

Question: Dear Steve, I paid my undergraduate degree completely in loans, some federal, most private. The private loan companies include: Discover student loans and Wells Fargo. My loans are sum total of 70,000. I want to go back to graduate school but I’m terrified of getting into more loans. What do you suggest for lenders who have cosigners? Claiming bankruptcy ... Read More »

    AES is Not Willing to Help Me With an Affordable Private Student Loan Payment

    Young stress woman

    Question: Dear Steve, Several years back my married daughter had been working and due do the economy had been losing many jobs. She decided to go back to school to hopefully get a better job. Of course to make all this happen she needed to apply for student loans. In order to get the loans she needed a co-signer. I ... Read More »

      How Can I Move Forward When My School Won’t Release My Transcript?

      Cartoon-OUCH. Vector

      Question: Dear Steve, I attended a private college one trimester in 1986 when I was 18. I transferred to a public university that year and completed my degree. 30 years later, today I am wanting to get a second degree but need my official transcript from the private college that I attended in 1986. They are withholding the official transcript ... Read More »

        My Step-Son Killed His Father and His Mom Cosigned His Student Loans

        mans hands behind bars in jail or prison

        Question: Dear Steve, Step-son that is SSI disabled for 3+ years with Mental Illness, Maternal Mother, My wife, co-signed student loans for him. He is now in Jail for murdering his paternal father and will end up in jail or an institution for the rest of his life. My step-son’s never paid any of his loan payments only my wife. ... Read More »

          My Navient Student Loans Are Out of Control

          Where does it hurt nurse question

          Question: Dear Steve, I currently owe Navient $163,000 on my Private Student Loans. After graduating in 2009 with few job prospects, I put these loans into forbearance for the first two years while I could. This raised my original debt total from $153,000 to the current figure of $163,000. I have paid interest only repayments for the past 4 years ... Read More »

            Reader Says Debt Relief Company PCG Swore At Her

            PCG Debt Relief Mailer Letter

            Question: Dear Steve, I received a letter stating that “:Their records indicated that my total bank card balance renegotiation has not been verified. Our underwriting department has pre-qualified me for this re-negotiation due to these specific qualifications……. They state I owe $22,500.00. This is false. I don’t owe anyone that much money on any of my credit cards. I feel ... Read More »

              Is Camden Legal Group Legitimate?


              Question: Dear Steve, I was contacted by this law firm about getting my loan modified. They kept pushing me to pay them 4200 dollars and I informed them I was scammed by Real Estate Law Center in Los Angeles. I feel as if I am being preyed upon by the same people and it sounds similar to what Real Estate ... Read More »

                Will My Dubai Debt Cause Me Problems in the UK?


                “Dear Jon, I left Dubai 3 years ago and had to leave because I lost my job. I owe from the credit card and was still paying for a few months while I wasn’t in Dubai. But after a few months I couldn’t pay back anymore. My question is I am now applying for a UK visa. Will my UK ... Read More »

                  My Daughter Lives in the UK Now and Can’t Afford Her U.S. Private Student Loans

                  A businesswoman thinks and does the questions

                  Question: Dear Steve, My daughter has about $100k in private student debt (and another $100k in federal). She did her undergrad in CA and her grad in NY. Federal debt is manageable because they adjust for her income. She can no longer afford to pay her private loans and they are unwilling to work with her and she has no ... Read More »

                    Company is Chasing Me for a Debt I Don’t Owe. What Do I Do?


                    Question: Dear Steve, Back in December of 2014 I received an email from a company stating that I owed them $990.68 for a debt that I know I don’t owe. They state in their email that they put my social security # into their National Database checking system and said that I was never charged with fraud. I emailed them ... Read More »

                      Sallie Mae Screwed Up My Chances of Getting a Texas Public Education Grant

                      404 error

                      Question: Dear Steve, I started my nursing training in WY and borrowed student loan money there. Then, in 1999, I moved to Lake Charles, LA, and took out loans through Sallie Mae since I was now in the South. Sallie Mae loaned me out too much money; however, they said that since it was their mistake that it would be ... Read More »

                        Social Worker Facing Retirement Can’t Pay Student Loans

                        Student Loan installment payment check paying back money owed in obligation for borrowed funding for college or university education

                        Question: Dear Steve, I’m a 60 year old female with one daughter in college. I took out loans to get my MSW degree which I needed to continue working in my job. I took loans totaling $50000, but during this time I went through a divorce, was jobless for 2 years, and I defaulted on the loan. I did consolidate ... Read More »

                          Father Forged Kids Names on Student Loans. Do They Owe Them?

                          Question: Dear Steve, My ex husband left 2 of my children with over $100,000 each with student loan debt. He signed loans with their names without their knowledge, he missed months of payments which incurred high interest rates and now these kids both under 30 are saddled with these debts. They are beyond upset and see no end to paying ... Read More »

                            My School Misled Me, is Closing, and Leaving Me in Debt


                            Question: Dear Steve, I started going to International Academy of Design and Technology in 2008 and was really excited to go for my Bachelors degree. I wanted a better life for my son and me. I asked all the usual questions; what’s the program like, how are the courses taught, is it like going to a traditional college? They assured ... Read More »

                              My Car is All Worn Out. What Should I Do?

                              The Chevy Spark I drove recently.

                              Question: Dear Steve, I need two new cars(used cars) but I don’t know if I should fix these old cars or trade them in and buy 2 used ones. My 2007 Kia Optima has 165K miles on it and wont pass inspection-needs catalytic converter and new tires (maybe $1500?). My ex-wife has Kia Sedona with 100K miles and needs new ... Read More »

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