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Ask The Get Out of Debt Experts

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 »

                        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 »

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