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Ask The Get Out of Debt Experts

Does a School Have to Provide a Real Skill for All That Student Loan Debt?

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“Dear Steve, My friend somehow got her grants changed to loans when they made her reapply right before the school year started as they were installing a new system. She doesn’t know what happened as she was actually going thru a tremendous amount of turmoil due to robberies, harassment from juveniles (she was working at the detention center at the ... Read More »

    I Was a National Guard Nurse With Loads of Student Loans

    Military Flag

    “Dear Steve, I am a nurse who graduated in 1997. I went into default and had my wages garnished for nearly two years. I was in the Florida Army National Guard and one of the benefits was student loan repayment of $20,000. I took out a grand total of $30,000 thinking I would only have to pay back $10,000 since ... Read More »

      Will My Debt Hurt My Australian Visa Application?


      “Dear Jon, I am from high risk country and i have married to an Australian citizen and living here in Australia while awaiting for my temporary resident visa (820 partner visa) to be granted; At the moment, I am on Bridging visa A (BVA) and after 16 month of waiting still visa not granted..! I have credit card debts to ... Read More »

        How to Locate Who You Owe on Your Private Student Loans


        “Dear Steve, I’m a music teacher making $1,850 a month. I’m 31 and suffering the consequences of bad/lack of financial advice early on and of course my own terribly decisions. A few years ago when the calls started in earnest I jotted down notes on the names, location and totals of my student loans and I was almost $200,000. I ... Read More »

          My Springleaf Financial, Regional Finance and Time Financing Loans are More Than I Can Handle


          “Dear Steve, Fell behind on light bill so in order to keep lights on took out a personal loan, then couldn’t pay that one so applied for another small loan same thing- now have three loans not able to pay for. Kept getting letters in mail saying I was approved. I am drowning in debt with three small loan companies- ... Read More »

            Can the Obama Student Loan Program Really Help Us?


            “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


              “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


                “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


                            “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


                              “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 »

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