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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” Dear Roger, If your tax refund was intercepted by ... 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 »

                        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 »

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