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Ask The Get Out of Debt Experts

Can the Obama Student Loan Program Really Help Us?

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“Dear Steve, So this is less my situation than my partner’s. Ryan had a bit of a rough patch in his younger days – a pretty long one actually – and managed to rack up a school loan debt without managing to graduate college. He has $18,000 on the books right now that has been deferred for years for different ... Read More »

    I’ve Lost My Job Seekers Allowance in the UK But Still in Debt

    poland

    “Dear Jon, I have been struggling with my debt for a while now. But the last straw was in November 2013 when I lost my job. By then I had few credit card bills and a loan with barclays and tesco. (about 40k). I was looking for a job, but at the same time I couldn’t pay my bills. My ... Read More »

      I Was the Biggest Jerk to Get So Buried in Student Loans

      Frustration

      “Dear Steve, I have $130,000 in private student loans from Wells Fargo, Sallie Mae, Citibank and Discover. The minimum monthly payment is $1,595. Since graduating in 2011 with a liberal arts bachelor’s degree, I’ve made monthly minimums through myriad part time jobs, usually several at once, odd jobs and temporary positions through a staffing agency–never finding full time work and ... Read More »

        What is Your Opinion on Lending Yourself Money to Rebuild Credit?

        credit good

        “Dear Steve, Hi, I have a question about the finer points of manipulating your credit score. I’m a pretty financially savvy guy and I was doing great until the great recession hit right after I had financed an expansion to double the size of my small business. Although I fought hard, it was no longer a going concern and I ... Read More »

          This is How You Can Settle Your Navient Student Loan

          vector las vegas sign over the night star burst

          “Dear Steve, My wife has a reasonably large private student loan. I have recently come into money and would like to settle this loan with Navient for a lesser sum than what is owed on the loan. What is the best way to go about this and what questions should I ask in order to get a settlement? Chris” Dear ... Read More »

            Tell Me How to Remove a Hinson-Hazelwood Judgment From My Credit Report

            law books

            “Dear Steve, I have a loan in Texas (CAL Loan) that went into Judgement about 6 years ago. The principal on the loan is $49,161.47. With Interest and penalties the loan totals $59,388.38. I was under the impression that this was a federal loan, however I have come to understand it is not a federal loan. The lender is Hinson ... Read More »

              What if I Just Pay Less Than They Want on My Student Loans

              To get the real answers, do the math and listen to what it has to say. Math does not lie.

              “Dear Steve, I received my master’s in 2011. I worked in my field for about 6 months until the job was dissolved due to a change in contract. During this time my son had major health problems and now I say home with him during the day and work part time in the evenings. My wife make good money but ... Read More »

                My Peaks Student Loans Were Discharged in Bankruptcy. Weren’t They?

                angry caller narrow

                “Dear Steve, Filed for Ch. 7 Bankruptcy, officially discharged on Sept. 30, 2014. Had several Peaks Private Student Loans included in the discharge. They KEEP calling me and saying that they are not debts that can be discharged. They are demanding that I reaffirm the loan and refusing to call my attorney. They keep threatening to put this debt on ... Read More »

                  EOS CCA is Garnishing Our Wages Over a Student Loan

                  Frustrated

                  “Dear Steve, My husband received a call from the EOSCAA in Nov, 2013 that he owed $56000 on a student loan. Between Nov 2013 and March 2014 we tried to get to the bottom of the situation. In March the EOSCAA began garnishing his wages, twice a month at a rate of near $1000. I filled out and mailed in ... Read More »

                    My Mom Passed Away and I’m Paying Her Old Credit Card Bill

                    PeterM_Angel_wings_3

                    “Dear Steve, My mom recently passed away and she has a credit card in her name on which I was an authorized user. My Dad who is still living was not on the account and did not know she had the card. I have been paying the bill for the last few months as my Mom was ill before her ... Read More »

                      How Can I Consolidate All My Private Student Loans

                      loan-approved

                      “Dear Steve, I’m looking to consolidate private/government student loans I have a few several outstanding loans with both public and private entities from graduate school (Navient, Nelnet, Discover student loans). is there a way to consolidate these all into one single debt/monthly payment? Peter” Dear Peter, If it was just about government student loans then the answer would be an ... Read More »

                        I Still Owe Citibank Bahrain but Have Left the Country

                        Bahrain Airport

                        “Dear Jon, Have a credit card released from Citibank Bahrain, left the country 4 months ago, debt left is 1,500BHD, I am now in Europe. Wanted to know which consequences if I don’t pay it back. Tommaso” Tommaso, Just a quick couple of questions: Do you have the means to pay back the debt, even if on a monthly repayment ... Read More »

                          I’m Really Screwed With These FFEL PLUS Loans My Parents Took Out

                          Problem Solving Series

                          “Dear Steve, I was a student at a University from 1996-2000, receiving my degree in film. As an irresponsible 17 year old, I decided to shoulder the debt burden to finance this endeavor. My father was the guarantor and my family received a variety of Stafford unsubsidized loans serviced by SALLIE MAE totaling about $90K to pay for the remaining ... Read More »

                            We Can’t Pay Our NJCLASS Student Loan. What Now?

                            Sagging Economy

                            “Dear Steve, I cosigned with my daughter for a State of NJ (NJCLASS) loan. Currently I am retired and living on social security and a small pension of $700 per month. I have no assets such as a house, savings or other tangible property. Currently Living in Phoenix AZ. My daughter is working part time since she has not been ... Read More »

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

                              broken piggybank with dollar notes

                              “Dear Steve, I have a ton on debt. 36,000 in private student loans and 46,000 in Federal student loans. In 2010 I filed for bankruptcy and in 2012 I had brain surgery. I am now currently working and want to get this debt off my back. How would you suggest that I get rid of it. Navient has agreed to ... Read More »

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