Who’s More Likely to Be Audited: A Person Making $20,000 — or $400,000?

When Natassia Smick, 28, filed her family’s taxes in January, she already had plans for the refund she and her husband expected to receive. Mainly, she wanted to catch up on her credit card debt. And she was pregnant with their second child, so there were plenty of extra expenses ahead. Since Smick, who is …

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Can I Amend My Borrower Defense to Repayment Claim?

Question: Dear Steve, Attended ITT Technical and was deceived by their recruiters. I filed a Borrowers Defense to repayment-previously but never heard back from the Department of Education. I now have come up with more supporting documentation. Can I file an “amended” BTR online? Charles Answer: Dear Charles, Well, this falls under the heading of …

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Is Simple Path Financial a Legit Company or a Scam?

Question: Dear Steve, I’m in a total of $33,000 in debt with credit cards and one loan. I spoke with a person at Simple Path financial. I asked if I could have the contract emailed to review it but the person said that it would be reviewed over the phone with me. I would sign …

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My CPTSD Has Left Me Making Poor Choices About My Student Loan Situation

Question: Dear Steve, Married with kids. A masters degree in Urban planning. Long story Since I have trust issues and self-worth issues that come from untreated and misdiagnosed CPTSD I attempted to bootstrap myself into a better situation by getting a lot of education. Now I have a lot of education and a ton of …

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My Dear Friend Discovered She Co-Signed for a Student Loan She Can’t Afford

Question: Dear Steve, Asking this for a dear friend who co-signed her son’s student loan and now he has defaulted on the loan. She was unaware. Her son supposedly consolidated other loans but states he “thought” this one was included. Well, it wasn’t. She is greatly distressed. She can’t get any real answers from her …

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I’m Disabled and Need to Return My Unaffordable Furniture to Conn’s Home Plus?

Question: Dear Steve, Medical expenses medical bills. I’m in disability my income is my social security benefits. I bought furniture at Conns I can’t make the payment can I return the furniture and ask for some repayment plan? Thank you. Rosa Answer: Dear Rosa, Returns are different based on the merchant. It looks like you …

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