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Ask The Get Out of Debt Experts

Should We Rent or Buy a House?


“Dear Steve, My wife and I are new to the area and wondering if we should jump right in and buy a house or rent. I hate to rent because I think we are throwing our money away. What do you think? David” Dear David, I can certainly understand the idea of pride of ownership and the desire to buy ... Read More »

    My Degree Isn’t Worth the Tuition I Paid With Massive Student Loans


    “Dear Steve, I’m not really sure that there is a solution to my issue but you seem to know about student loans so thought I would run it by you. Back in 2007 I wanted to go to school to get into the graphic and web design industry. At the time I was working full time so was exploring online ... Read More »

      How Can We Really Get Out of Debt?

      No problem

      Question: What is the Secret to Getting Out of Debt? Dear Steve, My husband and I have been limping along just breaking even for sometime now just trying to dig ourselves out of debt and save money. We’ve cut everything back to the minimum and have to constantly tell our kids to do without. I can’t even afford for them ... Read More »

        Will I Be Arrested at a UK Airport if I Have Debt?

        Uk Law

        “Dear Jon, I left the UK in 2008 under a cloud, a lot of things had gone wrong for me. Among them was debt. I had taken a job for Swindon council who promised to refund my moving expenses during the application process but when I turned up with the bills played dumb and denied any responsibility. So I borrowed ... Read More »

          How to Call Your Bank and Negotiate Credit Card Debt Yourself


          If you have been following the early tips I suggest for how to negotiate and settle directly with your credit card bank, you have already had several “just calling to keep you posted” conversations with your bank (I recommend you call your lender once a month, or every several weeks, up to month 5 of being late with payments). If ... Read More »

            Want to Settle Discover Credit Card Sending Dispute and Debt Validation


            This post was inspired by my comment exchange with a site reader about negotiating a settlement with a Discover credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the ... Read More »

              Can I Just Start College Over and Forget My Old Transcript?

              Woman in home office with computer and paperwork frowning

              “Dear Steve, I went to the Art Institute as soon as I graduated high school, I had financial issues there. They said I was behind 7 payments with the school (but even until this day that doesn’t make any sense to me, because if I was behind even one I should have been notified.) so they said I had to ... Read More »

                Can My Wife With the Boston Public School System Have Her Student Loans Forgiven?

                Check This Out_pri

                “Dear Steve, My wife works in the Boston public school system. has for 10+ years. she has ~$95K in student loans. I thought she should qualify for debt relief since she works in the school system. Unfortunately, they look at our joint income, which puts us out of contention. Their formula doesn’t account for all the expenses we incur with ... Read More »

                  Will Wyndham Capital Cove Force Us Into Bankruptcy?

                  middle age couple

                  “Dear Steve, My wife and I purchased a time-share at Capital Cove thru Wyndham near Washington, D.C. During a follow-up session my wife and I were told we had to upgrade or we would not be able to keep our perks of being VIPs in the company. After several attempts to make reservations, 10 months out, and not being able ... Read More »

                    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?


                          “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 »

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