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Ask The Get Out of Debt Experts

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 »

    How Can I Get My Name Off My Husband’s Judgment?

    questions narrow

    “Dear Steve, My husband received a deficiency judgement ($200,000)in Fl on a home about 13 years ago (My name was also on the judgement). The former owner has since died, yet this judgement looms over my head, too. My husband and the owner’s lawyer had an acrimonious relationship, and 5 years ago, they took our car to satisfy a small ... Read More »

      My Bipolar Ex-Husband Can’t Help With My Stafford Student Loan

      help woman

      “Dear Steve, I divorced my ex in June of 2007. At the time of our divorce there was a Stafford student loan owing from when I attended college in 2001. Since my divorce, I have adopted my youngest granddaughter and am raising her on my own. In addition, my ex has been homeless and diagnosed bi-polar and requires medication. I ... Read More »

        My Bad Credit Biker Boyfriend Left Me With His Debt

        Bikers View

        “Dear Steve, I had a bankruptcy discharge in 2008. My credit was good up until last year. I was engaged and I got caught up in plans with my fiancée. I got a car, motorcycle and some credit cards and my name for his use. When we were together he was helping. We broke up and I have been footing ... Read More »

          I’ve Been a Lifelong Educator and Want My Loans Forgiven

          Check This Out_pri

          “Dear Steve, I have many student loans from being a foster child and providing for my own education. As a teacher and principal, then special education autism specialist, you are always having to get more credentials, thus I ended up going back to school and getting several masters and almost my PhD. I tried to have them forgiven as I ... Read More »

            Mystery Minister Mired in Massive Navient Student Loans

            Money puzzle piece

            “Dear Steve, I have both federal and private student loans that are jointly signed by my parents and I. My private loans are around 76K and the federal loans are around 22K. The private loans’ interest rate is variable and can change: between 3.25 and 4.25 percent. My federal loans are 2.88 percent. The company I have borrowed from is ... Read More »

              Can I Ever Get Out of Debt From My Car Title Loan?

              Repo Truck

              “Dear Steve, I owe 3 credit cards totaling 4000 with an interest rate of 22.9%. BUT I also have a title loan of 9000 which has an interest payment of 525 a month. I know I was stupid but that’s water under the bridge now. My question is this, should I pay off my credit cards first and then tackle ... Read More »

                I Thought I Had Reaffirmed My Mortgage in Bankruptcy But Didn’t

                Real Estate Concept

                “Dear Steve, I filed bankruptcy about 4 years ago. I thought I re-affirmed my mortgage with Citi Financial. I continued to pay the mortgage but fell behind and decided not to continue owning the house. I contacted Citi and tried to do a short-sale but it didn’t go thru. During the second attempt to sell, a water line broke and ... Read More »

                  What Happens if I Leave the U.S. and Can’t Pay My Student Loans?

                  Japanese Rock Garden

                  “Dear Steve, I borrowed $90k to fund my degree in the US and thereafter moved overseas for work. The loan was through Access group and they have since transferred it to First Associates. There was no cosigner on the loan and I have there are not assets secured on the debt. I am not a US citizen or green card ... Read More »

                    Will My Old UK Debt and Taxes Owed Prevent Me From Returning to the UK?

                    questions narrow

                    “Dear Jon, I lived in the UK since about 2000 to 2007. I left the UK in 2007 due to family health issues, Dad subsequently passed away. Was expecting to come back to the UK but circumstances changed and was not able to return until now. What happens to unpaid taxes? Unpaid credit cards or bills? Have been told debt ... Read More »

                      My Husband Ran Off With Another Woman and Left Me in Student Loan Debt

                      Pow! - Comic Speech Bubble, Cartoon

                      “Dear Steve, My husband took off with another woman. Our house is now in foreclosure and our daughter had to quit college because my ex messed up loan application paperwork. We took out Student Plus loans done in my name because he was overseas when the paperwork needed to be signed, but part of the divorce settlement stated HE WAS ... Read More »

                        The Credit Union Won’t Lower My Son’s Student Loan Interest Rate

                        waving

                        “Dear Steve, Too much student debt and banks wont help. My son has a few student loans. One of them is from a credit union with an interest rate of 9.5% The payments are $658 for the next 25 years!! We have asked them to lower the rate, so he can make the payments, but they said they can’t. My ... Read More »

                          Am I Doomed as a Student Loan Cosigner?

                          Portrait scary monster clown

                          “Dear Steve, I co-signed a Sallie Mae (now Navient) student loan for my daughter’s half-sister about 10 years ago. She never finished her degree, got married and just gave birth to her third child. For the most part, she’s made payments on the loan but often put it in deferment or forbearance for periods of time. The current amount of ... Read More »

                            The Statute of Limitations Has Expired on My Sallie Mae Student Loans

                            closeup of a gavel on cash, from above

                            “Dear Steve, I took out 4 student loans in 2005, 2 Federal and 2 Private. I am current and making payments on the Federal, but my 2 private loans with Sallie Mae have more than tripled in size since 2007. Sallie Mae is trying to say I made a payment in 2009, but there is conflicting information on my credit ... Read More »

                              Debt Buyers Keep Selling My Debt And I’m Being Sued

                              kiten hiding

                              “Dear Steve, I recently attended at Case Conference Meeting at my local courthouse for an old credit card debt and judgement. Prior to the conference I contacted the attorney (listed on court docket) representing the debt buyer and was informed the attorney no longer represented the firm and it now with a new debt buyer. At the meeting an attorney ... Read More »

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