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Ask The Get Out of Debt Experts

How Can I Lower My Parent PLUS Loans for My Daughters Nursing School?

Ready to Collapse

“Dear Steve, I am a single mother and a NYC public school teacher who is retiring this June. I am 62 and I have been taking out Parent Plus loans and will have to take out more until my daughter graduates from nursing school in December 2016. My estimated Parent PLUS Loan will be around 70 max. by the time ... Read More »

    How to Prevent a Tax Refund Intercept on a Defaulted Student Loan

    IRS

    “Dear Steve, I recently inquired to see if my defaulted student loan would offset my tax return. The FMS 800 number stated that my tax return may be offset for my debt to the US Department Of Education. My question is my husband and I file a joint return and we are now in a position to take care of ... Read More »

      Can You Really Help Me Get the $50 PayPal Owes Me?

      help woman

      “Dear Steve, I was contacted via email by PayPal Extras MasterCard® on 5 Nov 14 offering a $50 statement credit for a $100 purchase made by 31 Dec 14 on an approved PayPal Extras MasterCard. I applied for the card, was approved and made the required minimum purchase on 11 Nov 14. Now, despite 3 billing cycles since the purchase, ... Read More »

        How Do I Get a Child Support Collection Removed From My Credit Report

        punched-in-face

        “Dear Steve, I have a child support collection on my trans Union report dating back to 2001 (date opened) and showing date closed as Nov 2007. As it’s more than 7 years old can’t that be deleted? Also, the state recently added the same collection to my Equifax with the same dates. Can’t that be deleted as well? David” The ... Read More »

          Does a School Have to Provide a Real Skill for All That Student Loan Debt?

          mans hands behind bars in jail or prison

          “Dear Steve, My friend somehow got her grants changed to loans when they made her reapply right before the school year started as they were installing a new system. She doesn’t know what happened as she was actually going thru a tremendous amount of turmoil due to robberies, harassment from juveniles (she was working at the detention center at the ... Read More »

            I Was a National Guard Nurse With Loads of Student Loans

            Military Flag

            “Dear Steve, I am a nurse who graduated in 1997. I went into default and had my wages garnished for nearly two years. I was in the Florida Army National Guard and one of the benefits was student loan repayment of $20,000. I took out a grand total of $30,000 thinking I would only have to pay back $10,000 since ... Read More »

              Will My Debt Hurt My Australian Visa Application?

              australia

              “Dear Jon, I am from high risk country and i have married to an Australian citizen and living here in Australia while awaiting for my temporary resident visa (820 partner visa) to be granted; At the moment, I am on Bridging visa A (BVA) and after 16 month of waiting still visa not granted..! I have credit card debts to ... Read More »

                How to Locate Who You Owe on Your Private Student Loans

                Searching-right

                “Dear Steve, I’m a music teacher making $1,850 a month. I’m 31 and suffering the consequences of bad/lack of financial advice early on and of course my own terribly decisions. A few years ago when the calls started in earnest I jotted down notes on the names, location and totals of my student loans and I was almost $200,000. I ... Read More »

                  My Springleaf Financial, Regional Finance and Time Financing Loans are More Than I Can Handle

                  Salesman

                  “Dear Steve, Fell behind on light bill so in order to keep lights on took out a personal loan, then couldn’t pay that one so applied for another small loan same thing- now have three loans not able to pay for. Kept getting letters in mail saying I was approved. I am drowning in debt with three small loan companies- ... Read More »

                    Can the Obama Student Loan Program Really Help Us?

                    hiding-1

                    “Dear Steve, So this is less my situation than my partner’s. Ryan had a bit of a rough patch in his younger days – a pretty long one actually – and managed to rack up a school loan debt without managing to graduate college. He has $18,000 on the books right now that has been deferred for years for different ... Read More »

                      I’ve Lost My Job Seekers Allowance in the UK But Still in Debt

                      poland

                      “Dear Jon, I have been struggling with my debt for a while now. But the last straw was in November 2013 when I lost my job. By then I had few credit card bills and a loan with barclays and tesco. (about 40k). I was looking for a job, but at the same time I couldn’t pay my bills. My ... Read More »

                        I Was the Biggest Jerk to Get So Buried in Student Loans

                        Frustration

                        “Dear Steve, I have $130,000 in private student loans from Wells Fargo, Sallie Mae, Citibank and Discover. The minimum monthly payment is $1,595. Since graduating in 2011 with a liberal arts bachelor’s degree, I’ve made monthly minimums through myriad part time jobs, usually several at once, odd jobs and temporary positions through a staffing agency–never finding full time work and ... Read More »

                          What is Your Opinion on Lending Yourself Money to Rebuild Credit?

                          credit good

                          “Dear Steve, Hi, I have a question about the finer points of manipulating your credit score. I’m a pretty financially savvy guy and I was doing great until the great recession hit right after I had financed an expansion to double the size of my small business. Although I fought hard, it was no longer a going concern and I ... Read More »

                            This is How You Can Settle Your Navient Student Loan

                            vector las vegas sign over the night star burst

                            “Dear Steve, My wife has a reasonably large private student loan. I have recently come into money and would like to settle this loan with Navient for a lesser sum than what is owed on the loan. What is the best way to go about this and what questions should I ask in order to get a settlement? Chris” The ... Read More »

                              Tell Me How to Remove a Hinson-Hazelwood Judgment From My Credit Report

                              law books

                              “Dear Steve, I have a loan in Texas (CAL Loan) that went into Judgement about 6 years ago. The principal on the loan is $49,161.47. With Interest and penalties the loan totals $59,388.38. I was under the impression that this was a federal loan, however I have come to understand it is not a federal loan. The lender is Hinson ... Read More »

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