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Ask The Get Out of Debt Experts

Want to Settle Discover Credit Card Sending Dispute and Debt Validation

cathackgmail

This post was inspired by my comment exchange with a site reader about negotiating a settlement with a Discover credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the ... Read More »

    Can I Just Start College Over and Forget My Old Transcript?

    Woman in home office with computer and paperwork frowning

    “Dear Steve, I went to the Art Institute as soon as I graduated high school, I had financial issues there. They said I was behind 7 payments with the school (but even until this day that doesn’t make any sense to me, because if I was behind even one I should have been notified.) so they said I had to ... Read More »

      Can My Wife With the Boston Public School System Have Her Student Loans Forgiven?

      Check This Out_pri

      “Dear Steve, My wife works in the Boston public school system. has for 10+ years. she has ~$95K in student loans. I thought she should qualify for debt relief since she works in the school system. Unfortunately, they look at our joint income, which puts us out of contention. Their formula doesn’t account for all the expenses we incur with ... Read More »

        Will Wyndham Capital Cove Force Us Into Bankruptcy?

        middle age couple

        “Dear Steve, My wife and I purchased a time-share at Capital Cove thru Wyndham near Washington, D.C. During a follow-up session my wife and I were told we had to upgrade or we would not be able to keep our perks of being VIPs in the company. After several attempts to make reservations, 10 months out, and not being able ... Read More »

          My Life is Hopeless. I Can’t Pay My Bills. What Can I Do?

          Avoid Bankruptcy Monster

          Question: I Can’t Pay My Bills. What Can I Do? Dear Steve, I’m so completely freaked out about my bills. I’m now so in debt and worried about it I can’t sleep, I’m depressed, and all my wife and I do is fight about money. I’m constantly telling my kids they can’t participate in any school events because I can’t ... Read More »

            Should I Go With Student Loan Education Center To Help With My Loans?

            Problem Solving Series

            “Dear Steve, I have about $18,000 in student loan debt. I recently was contacted by the Student Loan Education Center that said they were a third party company that was setting up consolidations for the US Dept of Education to consolidate my loans for a fee of $599. They said I qualified for an income based plan and then got ... Read More »

              My Student Loan Lender Sent Too Much Money to The School

              No problem

              “Dear Steve, I signed for 16,000 bank school loan, when a payment was late I received the bill stating the total was 21,000 two different loans, one for the 16,000 and another for 8,000. I told the bank 16,00 was mine. The story goes, the school told the loaner they only received 8,000 he called the bank and the said ... Read More »

                Should I Stick With the Pay As You Earn Student Loan Program?

                calculator

                “Dear Steve, I have a question about my student loans. When I first graduated from graduate school, I was eligible for pay as you earn. This is because while I was in school, I had very little income, and I didn’t start working right away and so only had a partial year of income. I signed up for the pay ... Read More »

                  Are My Student Loans Going to Destroy My Life?

                  upset young man

                  “Dear Steve, I was injured at work really bad. (Neck/Back/Shoulder) I missed 2 years of work. I lost everything I owned: House, my business. my boat,motorcycle, work trucks, and property. Everything was gone.It all went to pay bills and just to eat as I had a family of 4. At almost 40 years old i had to retrain, the injuries ... Read More »

                    I Went Back to College Late in Life But I Still Have the Debt

                    man - elderly

                    “Dear Steve, At the age of 40 I got a AA degree with Federal Student Loans. I do not work in my field of study. I am now 55 and I did miss a few payments after wife got sick and lost job and that chewed up our savings. I have been paying steady for the last 4 years and ... Read More »

                      My Tax Refund Was Intercepted Because of Delinquent Student Loans

                      tax

                      “Dear Steve, I have a federal student loan that I haven’t been paying on. My 2014 tax refund has been garnished. Is there any way to get this reversed. If I set up a payment schedule with the US Department of Education C/o Great Lakes Higher Education Guarantee Corp? Thanks, Roger” The Answer Dear Roger, If your tax refund was ... Read More »

                        Student Loan Statute of Limitations is Perplexing

                        law books

                        “Dear Steve, My fiancée has over $60k in private student loans. The original amount borrowed was $35k she is a teacher and always thought the student loan forgiveness program would apply and we discovered it doesn’t We have calculated that she cant afford to pay the minimum payments and reduce the balance. Her last payment was May 2014, I read ... Read More »

                          I’m Being Sued Over My Private Student Loans in Florida

                          law books

                          “Dear Steve, I graduated college in 2006 with an incredible private student loan debt. After working for over a year with the company I simply could not afford their ridiculous payments, I tried everything I could. In the end the loans went into default and I’m sure were sold several times over since. I have always kept up my federal ... Read More »

                            I Make Near Minimum Wage With $200K in Student Loan Debt

                            Woman in home office with computer and paperwork frowning

                            “Dear Steve, I am 28yrs old with one child. I currently owe Sallie Mae over $100,000 in student loans. I also have several other student loans with Department of Education and Citibank. My total debt is close to $200,000. I was 18 when I started getting private loans from Sallie Mae. I didn’t know exactly what I was doing or ... Read More »

                              How Do I Get My Everest College Student Loan Credit I’m Owed

                              Happy people celebrating with money raining

                              “Dear Steve, I was one of the Everest Students of Anaheim where they illegally forced us into multiple loans including their private Loan company Genesis. They lied to me on multiple occasions, and forced me to take out more money on my loan AFTER they told me I was graduating that month, only to find out they “forgot” I missed ... Read More »

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