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Ask The Get Out of Debt Experts

I Defaulted on my Federal Student Loans and Now They’ve Doubled

Money and book

“Dear Steve, I wet to a tech school right out of high school and accrued 3100 in fed student loans. I defaulted after being denied financial hardship deferment. It has been 6 years, I am now back in school and looking to receive pel grant. The amount owed on my account is now 6300, double what I took out. I ... Read More »

    Should I Payoff My Student Loans? – Sarah

    Sagging Economy

    “Dear Steve, I have about $19,000 in government-backed student loans at 2.25%. When I graduated, I was advised to NOT pay off the full debt right away and “take advantage” of the low interest rate. So, I have been paying slightly more than the minimum each month ($100) and have only knocked the principal down about $1000 since graduating in ... Read More »

      How to Avoid IRS Collection Action and Levies

      hiding

      Bob never intended for it to get this far. When he filed his return in April, he thought, “I’ll pay this off in a month or two.” Somehow, like many Americans, his good intentions fell by the wayside as other urgent financial obligations arose and his unpaid balance at the IRS remained unpaid longer than he intended it to. Of ... Read More »

        Sallie Mae Student Loans are Going to Make My Daughter Sterile

        body outline

        “Dear Steve, I am a Nurse Practitioner who is vey very concerned about my daughters mental health -as a result of her student loans….We had NO IDEA -what a nightmare this would become:-(. She has had at least 2 jobs since she was 11 yrs old…Harding working is an understatement !! She is so depressed and dejected over her inability ... Read More »

          I Am a Lawyer With Sallie Mae Loan Debt. Help! – Scott

          debt

          “Dear Steve, Public interest lawyer 250k in student debt 6k in credit card debt 8k in private credit loan from sallie mae I have a Sallie Mae loan through their private credit department. I used this loan for living expenses while I took the New York bar exam this past summer. Is this the type of loan that you wrote ... Read More »

            The Stress From Sallie Mae is Abusive. – Sue

            college-class

            “Dear Steve, My 28 year old daughter Laurie has incurred over 160,000 in student loans with Sallie Mae. They are relentless and even at times harassing her for payment. They are wanting over 900.00 per month which she is not able to do at her job as a vet tech making 15.00 an hour. She tried moving out for the ... Read More »

              I’m a Kindergarten Teacher With $100K in Student Loans

              College Tuition Expenses

              “Dear Steve, I went to a private, out if state, christian college and I am not a kindergarten teacher. I currently have over $100,000 in both federal and private loans all from Salliemae. I’ve been looking for the past 3 years (since I started paying my loans off) for a way to fix this problem. I’m paying over a $1,000 ... Read More »

                My Addictions Have Left Me Broke and Hopeless. – Jane

                Drowning swimmer

                “Dear Steve, I don’t know where to start. I am an alcoholic and a drug addict. I got sober when I was 25 years of age. I had no education or skills. I went on welfare. I went to college after that and obtained a professional degree and license. I also met my husband and had two sons. I had ... Read More »

                  Why is Daniel Ruggiero Associated With Credence Law Group?

                  help woman

                  “Dear Steve, I’ve been helping a relative that has been scammed into a mortgage modification by Credence Law Group. While doing some research on how to assist them I came across a website. I noticed something interesting… one of the letters they received from Credence was signed by Daniel Goldsmith Ruggiero. When I googled his name, I notice that he ... Read More »

                    I’m a U.S. Resident Living in New Zealand With U.S. Student Loan Debt. – Tess

                    gears

                    “Dear Steve, I have a BS in Psychology from the University of Texas at Arlington and am just now finishing up my medical degree from the University of Auckland in New Zealand. (Finish Nov 9) I ended up taking out some private loans during my undergrad as my parents were against PLUS loans, and I was paying for everything myself. ... Read More »

                      Can’t Pay on My Chase Private Student Loan. – Scott

                      Fallout Shelter Sign

                      “Dear Steve, Back in august of 2007 I took out a student loan. This student loan was in the amount of 5,000 from Chase Private student loans. Recently i was involved in 2 car wrecks and could not make a payment. Yesterday i received a notice from chase recovery department telling me my payment is due in full. I have ... Read More »

                        IRS Offers Payment Plans to Those Having Money Troubles

                        IRS

                        If you owe the IRS taxes and you’re having a difficult time paying, you’re not alone. In 2010, 23.9 million individual taxpayers filed a tax return with a balance due. More than 20 million taxpayers paid the tax with their return, after the first IRS notice, or after receiving an extension to pay from the IRS. However, another 3.8 million ... Read More »

                          My Private Student Loans with Citibank and Sallie Mae Are a Mess

                          student loan debt

                          “Dear Steve, I am currently in student loan repayment. I have consolidated my federal loans, but my private loans are a mess. I had 4 through Citibank, but 2 of them were “bought out” by Discover. So now I have 1 monthly payment for my federal loans and 2 monthly payments for my private loans. I also have another private ... Read More »

                            Can I Still Do an Adversary Filing on My Old Bankruptcy Over Student Loans?

                            Student Loan Corkboard Concept

                            “Dear Steve, My wife and I filed for bankruptcy in 2005. I tried including my student loans but was told I couldn’t. I was never told about this adversary filing. I filed for bankruptcy as a result of medical illness. At that time I was Declared legally disabled for a closed period of time.(yes during the time of filing) I ... Read More »

                              Can I Be Made Bankrupt in the UK for UAE Debt?

                              uk

                              “Dear Jon, Returned from UAE 18 months ago due family illness ,had a credit card loan which I was paying off but due to the urgency of Illness left to come home. Since return home have been unable to work so cannot pay back. Have recently received a UK solicitors letter to mothers address threatening proceedings through a Northampton court ... Read More »

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