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Ask The Get Out of Debt Experts

You Mean My Flight School Student Loans Can Be Eliminated in Bankruptcy? – Scott

Pilots in the cockpit during a commertial flight

Huffington Post Reader Question Dear Steve, Student loan debt can’t get out of it and have filed bankrupt 6 yrs ago and included it in but wasn’t able to get rid of it it’s a private student loan I was able to discharge my sallie Mae student loan but not my MRU student loan. MRU filed bankruptcy and now I’m ... Read More »

    I Was Going to Everetts College But Was Sent to Afghanistan. – Fidel

    Military Flag

    “Dear Steve, I work retail making $11 hr. I’m also in the army reserve. I was attending Everetts College before I was deployed to Afghanistan. I was there for 1 year. I was not able to continue classes. When I returned and tried to get back in school I was refused that because there was a large unpaid balance. What ... Read More »

      I Want to Go Back to School But Can’t Get My Transcript. – Jess

      college-class

      “Dear Steve, Hi, I’ve been reading about how to go back to school while in debt with another university, however, nothing has helped. I went to a private university, I could not afford the tuition anymore, so I didn’t go back. Now the amount I owe them is in collections and they won’t release my transcript to start school at ... Read More »

        I Paid Macy’s But They Sent Me to Collections. – Matilda

        Mature woman confused

        “Dear Steve, In March 2013, I purchased $74.98 with a brand new Macy’s Star Rewards card. They sent a statement, I paid the full amount, on time, in their enclosed envelope. They claim they never got the check and pressured me to pay by credit card over the phone. Since they had called me, I declined. Then they sent me ... Read More »

          I Have Loads of Student Loan Debt Buy No Degree. – Shane

          black-hole

          Dear Steve, I went away to school my freshman year for college. I transferred to 4 more schools and have yet to obtain a degree. I’ve been taking a class here and there, sometimes dropping the class. That freshman year, I had a private student loan (Lehman brothers, soon to be bought out by Wells Fargo). I work full time ... Read More »

            After a Previous Bankruptcy We Are Still Drowning in Sallie Mae Student Loans

            Drowning swimmer

            Dear Steve, A few years ago my husband & I filed for chapter 7 BK & it was discharged (2008). We were told that we couldn’t include our huge private student loan ($68,000) at that time by our attorney. Our private student loan is actually a Sallie Mae “private student consolidation loan” that we stupidly rolled my husband’s federal student ... Read More »

              My Grandfather Cosigned for My Private Student Loans and I Can’t Pay. – Tasha

              broken piggybank with dollar notes

              Dear Steve, My grandfather co-signed for me a few student loans through aessuccess.org in 2004. Within 3 days, I received the funds. The debt collectors started calling and harassing in 2009 claiming my 5 years was up, so it was time to start paying the debt. They wanted me to pay over $700 a month in payments. I was only ... Read More »

                I’m a Disabled Former Law School Student and I Can’t Pay My Student Loans. – Tony

                black-hole

                Dear Steve, I have amassed a huge student loan debt from law school over 20 years ago. I never completed law school because of mental health issues. My loans went into default and I have not been in an economic position to make regular payments all of these years. The student loan company (American Student Assistance) takes money from my ... Read More »

                  American Debt Mediators Scares Woman

                  Screen Shot 2013-08-22 at 10.01.17 AM

                  “Dear Steve, She has been scammed, and it is affecting her health. I sometimes wish I hadn’t said anything to her. Please advise me how to help her. I have worked in small claims court and have a feel for the process. But I told her this was a scam and now she is scared to death. I need to ... Read More »

                    I’m Smarter Than My Student Loan Debt. – Gail

                    Mature woman confused

                    “Dear Steve, I am a fifty-year-old teacher with a doctorate who has taught a total of 20 years. All of my education had been paid for in full by me (including the doctorate) until I decided I wanted to get out of the classroom and go into another field. I later earned 1 1/2 additional masters degrees that I funded ... Read More »

                      I Can’t Get Married Because My Partner is Sinking in Law School Debt

                      stressed-woman

                      Dear Steve, Hello and thank you for your time and generosity. My partner of 12 years is drowning in debt, all defaulted school loans. Partner because we have decided not to get married due to his debt as I wish to keep our finances, identities, etc. separate due to his incredible debt burden. He is an attorney (graduated 6 years ... Read More »

                        Can I Really Discharge My Radio1 Broadcast School Student Loans in Bankruptcy? – Jaclyn

                        microphone

                        Huffington Post Reader Question Dear Steve, I took out a Sallie Mae Private Student loan for Radio 1 Broadcast School in LaCrosse, WI. I had one radio job (part time, one time a week) for one year before I decided that if I stayed in radio, I’d never get anywhere money wise. I also feel that I was inadequately trained ... Read More »

                          I Finally Became a Registered Nurse But I’m Drowning in Student Loans. – Carmen

                          operating room

                          Dear Steve, I went back to school to earn my Registered Nurse License. Took out huge loans for school that I can not pay back at the moment. As a new grad, it took me almost 2 years to finally find a job. I have been working as extra help/on-call for approx 9 months now and was told I will ... Read More »

                            The Private Student Loan Lawyer Says I Have to Settle

                            Sagging Economy

                            Dear Steve, I have defaulted on a student loan in the amount of $33,240 with NCO. A law firm has called me and says that I must settle for $26,592 in the month of August or I can get on a repayment plan for $9,972 and then a monthly payment of $332 but keeping in mind my interest will accrue ... Read More »

                              My Daughter Spent a Lot of Her Student Loans on Living Expenses, Not Tuition

                              College Tuition Expenses

                              Dear Steve, I co-signed for approximately $35,000 worth of school loans for my daughter. She graduated from Chatham University in 2010 with a bachelor’s degree in psychology. She could not find a job in her field paying over $25,000 per year. She went back to school and has since graduated with her degree in nursing and is taking her boards ... Read More »

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