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Ask The Get Out of Debt Experts

I Can’t Afford My Sallie Mae Student Loans With My Art Degree. – James

painter artist dog

Huffington Post Reader Question Dear Steve, Attended the Art Institute of Ft. Lauderdale, FL for game art/illustration from 2004 to 2006, transferred to the Art Institute of Philadelphia, PA for animation, from 2006 to 2007, transferred to the Pennsylvania Academy of the Fine Arts in 2007 and graduated in 2012 with a certificate in painting. I have a total of ... Read More »

    Student Loan Relief Center is Trying to Sell Me Help


    “Dear Steve, I currently have my student loans consolidated under the Fedloan Servicing, under the graduate repayment plan, with my debt being $42,000. Recently the Student Loan Relief Center contacted me saying they can save me money by switching to them. I qualify for the income based repayment plan and they made it sound so enticing by saying I pay ... Read More »

      I Had a Brain Tumor and Then Became Addicted to Pain Killers. – Jim

      yikes exclamation

      “Dear Steve, Dear Steve, I was making about $100,000 year as a registered ER nurse. I had a tumor close to my brain removed. Became addicted to narcotics, told my work and board of nursing, checked myself into 28 days inpatient and 5 months outpatient 5 days then 3 days last 2 months. On unemployment extension, not paying: my private ... Read More »

        My Student Loan Balance Goes Up Even When I Pay. – Basil


        “Dear Steve, Basically ever since i graduated i was never able to find a job with my degree because either my experience wasn’t enough, or because the school wasn’t even known! I graduated in 2008 and about a few months ago we found out that my school was on academic probation the whole time and i didn’t know this, it ... Read More »

          I’m So Afraid of My Debt. – Jes


          “Dear Steve, I really need your advice, I just came from your website and just reading about debt makes me sick to my stomach. I am in debt with credit cards about 15,000. I had great credit before hand hence why I could get the cards at a young age ( at 20/21) but now I got returned payments and ... Read More »

            I’d Love to Find a 10 Year Loan to Consolidate My Credit Cards. – Lori

            raising hand

            “Dear Steve, $27k in revolving debt and another $20k already set up in low rate repayment schedule loans of debt. I just want to know if any banks offer consolidation loans for a 7 year term where they take our cards, issue payoff checks and cut our cards, anymore? I so want to pay off our debt the right way ... Read More »

              I’m Worried About My Dubai Debt in Scotland. – John

              Eilean-Donan-Castle scotland

              “Dear Steve, You have probably heard this a hundred times Steve, but I have lost my job in Dubai and am in debt through a personal loan from a bank called Emirates NBD to the tune of AED 180,000. My wife is pregnant and I do not want to risk jail on default so we are returning to the UK ... Read More »

                I Work for a Debt Relief Company and Have a Question About a Client. – Chris

                Adult Ed - Questions

                “Dear Steve, I work for a debt settlement company. A client believes he is free from debt after 4 yrs if they havent collected. Is this true? Chris” Dear Chris, I’m very happy to assist you to help this client. I believe the client is talking about the statute of limitations. The only states it is four years are California, ... Read More »

                  Will My Tribal Payday Loans Recognize My Chapter 7 Bankruptcy? – Alice

                  Sierra Exif JPEG

                  “Dear Steve, Just filed chapter 7 bankruptcy after years of struggling and I have 2 internet tribal loans. I currently have 2 internet loans – Great Plains & Plain Green. I have had multiple instances of these loans over the last couple years & paid all of them back in full & on time. And I have been paying on ... Read More »

                    Will I Be Able to Open Another Bank Account Because of My Bankruptcy? – Mary

                    Woman in home office with computer and paperwork frowning

                    “Dear Steve, I’m in the process of filing BK. I owe another bank money in overdraft fees and my present bank’s credit card is included, so I need to close that account also. I am not able to open an account at a regular bank becuz there part of a pay chex system in which the bank I owe money ... Read More »

                      My Major Depressive Disorder Let Me to a Lot of Private Student Loans I Can’t Afford. – Satasia


                      “Dear Steve, The past three years have been difficult for me; I was diagnosed with major depressive disorder after a depressive episode that made me unable to attend school or work. Subsequent attempts to return to school were unsuccessful, as were attempts to treat my illness– I would start a semester hopeful, but sooner or later my illness would catch ... Read More »

                        Our Chapter 13 Bankruptcy Has Been a Nightmare. – Holly


                        “Dear Steve, My husband and I are in the middle of a Chapter 13 bankruptcy that has been a disaster from the very beginning. We were told we could only file 13 because of an appraisal on our house, a piece of property we were left from an inheritance along with several other family members (that we don’t want but ... Read More »

                          My Student Loan Debt Collector Won’t Listen to What I Can Afford to Pay

                          terrifying man

                          “Dear Steve, – I graduated college in 2009 after using what seems to be 5 different loan companies; sallie mae, chase, AES and two I can’t even remember. I have spent the last few years digging myself out of credit card debt holes due to not finding a job for almost a year after graduation. All my credit cards are ... Read More »

                            I Have No Savings and Have to Juggle Payments Each Month. – Butch


                            “Dear Steve, I am 64 years old, a teacher. Every year, my salary has gone done (forced furlough days). Bad divorce-impulsively took a second mortgage on my townhome to pay child support and attorney fees (13.9%!). Currently in a DMP program for $22000 of credit card debt. Retire in 2 years-will get 50% of current salary and Social Security. First ... Read More »

                              My High Income Ex-Husband Refuses to Pay What He Owes. – Jill

                              Super Hero - Female

                              “Dear Steve, My ex husband left my three children and me. Before he left he stockpiled marital assets offshore and borrowed off of our home until it was underwater. He claimed he no longer wanted to be a husband or father and signed custody over to me. Our children are 17, 15 and 13. He has not seen them in ... Read More »

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