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Ask The Get Out of Debt Experts

The Art Institute of Austin Wants to Sue Me Over Student Loan Debt

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Question: Dear Steve, Hi, I recently graduated from the art institute of Austin. I am constantly being harassed for a balance I owe the school that I do not agree with. I was made an offer to pay off half of my debt and they would pay the rest. I asked for this in writing and never received it. Now ... Read More »

    Can I Consolidate My Federal and Navient Student Loans?

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    Question: Dear Steve, I have two student loans one is from salliemae/navient and the other is a federal loan. Is it possible to consolidate both loans? Frank Answer: Dear Frank, If the Sallie Mae – Navient loan was a private student loan then your only option would be to go for a private student loan consolidation and incorporate the federal ... Read More »

      Did I Make a Mistake by Agreeing to Pay an Old Payday Loan?

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      Question: Dear Steve, Payday loan from four years go went unpaid and was sent to collections. When I talked to the debt collector I asked for a letter or something in writing and he said they couldn’t mail me anything because they tried doing that already, but the address they sent the info to was an old address. Not even ... Read More »

        My Brain Infection Left Me in Decades of Student Loan Debt


        Question: Dear Steve, I went to a community college about 22 years ago. In order to go I had to take out several loans in the last 6 months of my college life I became extremely ill. I contracted a brain infection that left me with no memory of what I even took in college. I am permanently disabled from ... Read More »

          How Can I Get Rid of My Student Loans if I Become a Teacher?


          Question: Dear Steve, So let me start by thanking you for providing an avenue for people like me to ask you questions! I am really grateful for hopefully getting help with my debt problems. I am 24 years old and graduated from college over a year ago and now have over 100k in loans. The details of the loans are ... Read More »

            My Navient Student Loans Are Almost Paid But How Can I Settle Them?

            This boot seems to speak about this time of economic loss. Left alone, worked hard and cast aside.

            Question: Dear Steve, I have $13,364.87 debt in federal school loans through Navient, previously Sallie Mae. I have almost paid off the accrued interest. Only $26.53 of that total is interest. I have been paying since 2000. I have two loans. One was originally $23,972.99 and is now $10,905.11. The other was originally $5,500.00 and is now $2,486.29. Do you ... Read More »

              People Are Telling Me My Art Institute Student Loans Can Be Forgiven


              Question: Dear Steve, I’m a student at an Art Institute campus that is closing. Because of that I’ve been receiving several “debt forgiveness” “tips” from Student Optimum Services and American Student Loan Help Center. Are any of these valid? Answer: As far as I am aware, the fifteen Art Institute locations which will no longer enroll new students, are not ... Read More »

                Why Are UAE Debt Collectors Chasing Me in India?


                “Dear Jon, I worked in UAE in year 2006 and returned back after 6 months to my home country (India). I got visa for USA and moved here in 2008. I have joint family in India, living in same house. One day, someone from some XYZ collections came to my home and asked about me. My relatives told I no ... Read More »

                  I Just Filed a Pro Se Adversary Proceeding to Discharge My Student Loans


                  Question: Dear Steve, Hi, just read your article. I’ve just filed an adversary proceeding in Brooklyn-Eastern District Bankruptcy Court against US DOE, requesting undue hardship discharge of student loan debt. Is there any update to this article, or any other information you’ve come across regarding attempts at student loan discharges? The study you reference in article was informative, but looking ... Read More »

                    Morgan Drexen Lied to Me. What Can I Do? How Do I Get My Money Back?

                    Credit Card Financial Relief Planed Flag

                    Question: Dear Steve, I entered into an agreement with Morgan Drexen for debt settlement. I paid them in excess of $3000. and they did nothing to help me. They lied to me several times regarding where my money went. What recourse do I have? Thank you. Answer: Normally I’d suggest you follow my guide How to Try to Get a ... Read More »

                      Colonial Law Group and My Enrollment Center Sent a Paralegal to Meet With Me


                      Question: Dear Steve, I signed up with these people from My Enrollment Center in Florida (Robert) for debt help more than 1 month ago. They had me meet with a paralegal for Colonial Law Group, before signing the contract. The customer support person I speak to is nice and professional, but they cant seem to get me any answers as ... Read More »

                        Can My Son Go Bankrupt in the U.S. and Come Back to the UK?


                        “Dear Jon, My son left his home and job in the UK 16 years ago to marry an American girl. He now lives in Seattle with his wife and two daughters (11 and 8). He had a good well paid job as a graphic designer for King 5 News for 16 years. Unfortunately, the marriage has irretrievably broken down due ... Read More »

                          My Girlfriend Sucks at Managing Her Money

                          The actual granular data presents a surprising reality.

                          Question: Dear Steve, I am very financially responsible and in my mid-30’s. I recently discovered that my girlfriend, also mid-30’s, is not so much. Neither of us has any kids. Now, I did know that she is a homeowner making a six-figure salary (barely) and living paycheck-to-paycheck saving no money. However, I did not know that she has close to ... Read More »

                            My Mother Demands Parent PLUS Loan Payments But Will Not Share


                            Question: Dear Steve, Back in 2010 my mother submitted for Parent PLUS loans for my sister and I. Half the amount for my sisters education, half for mine. Right now we are in the repayment process. Both my sister and I did not finish our education and stopped when we realized the amount of the loans. So we do not ... Read More »

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


                              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 »

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