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Ask The Get Out of Debt Experts

Should I Go With Student Loan Assistance Center for Help?

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Question: Dear Steve, Student Loan Assistance Center SLAC said that they would help me with my student loans. I currently have $307,500 worth of them right at 50 when I checked myself. I currently don’t have a source of income, and I still have two children in the home. They wanted me to come up with $799 for a loan ... Read More »

I’d Like to Know if My Student Loans are Now Eligible for Forgiveness

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Question: Dear Steve, I am contemplating my options for some of the new govt student loan forgiveness programs (working a govt job or time based), and I trying to track down how much “official credit” I have accumulated towards student loan payments since loans were taken out in 1994. I have been paying on the loans off and on since ... Read More »

My Dad Stuck My Mom With All the Debt

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Question: Dear Steve, My Dad was very abusive towards Mom. He used to force her to go get car loans, on cars that he couldn’t afford, then they’d get repossessed. When they got repossessed he’d get another car in her name. The cars were all in her name. Now he’s been gone for 6 years and creditors are taking her ... Read More »

I Paid Off My Student Loan But My Tax Refund Was Captured

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Question: Dear Steve, Back in 2011, I paid off my student loan in full for $10,152. I had purchased a money order at United States Post Office. I received a settlement of close to $100,000 at that time in March 2011. I wanted to pay off my loan so I wouldn’t have to think about it again. Now forward 5 ... Read More »

Should I Not Bother to Call My Student Loan Collector?

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Question: Dear Steve, So, when I was 18, I went to ITT Tech. I got in debt with them and eventually had to drop due to failing grades. So, I owed 2 different types of loan, a federal and a private loan. The private loan was 15000 at the time I was 18, because I was only working part time, ... Read More »

How Can I Go Back to College When I’m Behind on My Loans?

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Question: Dear Steve, I never fully understood the who applying to college process when I was in high school. My guidance counselor basically told me apply to a college, use grants and scholarships and if your unlucky use your guardians/parents and/or loans. I didn’t even know how to find the college for me or apply. I was born in America ... Read More »

My Life Didn’t Turn Out Like My Student Loans Wanted

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Question: Dear Steve, I attended a private college and felt super confident I’d have no issues finding a job after college with an AA, because of everything I was told at the school. I had a difficult time finding a job, I had to return to my old job, which had NOTHING to do with my degree. I then learned ... Read More »

I’m a Teacher. How Can I Lower My PLUS Loan Payment?

Decision time

Question: Dear Steve, My student loan (originally taken out for my children) is now owned by the government and administered by fedloan.gov. The loan is in my name alone — my wife is not on the loan. 1. Does filing separately exclude my wife’s income from consideration in an IBR? When I started with fedloan.gov my payments were $0, but ... Read More »

I Moved to Australia But Will I Be Stopped at UK Border for Tax Debt?

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“Jon, I left the UK in 2007 and settled in Australia and have not been to the UK since. I closed all accounts and paid all things off. I had a savings account for a year or two then transferred it all to AUS. I don’t recall doing a tax return and am concerned there is a debt that has ... Read More »

I’m so Stressed Over Having to Pay the IRS

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Question: Dear Steve, I’m a very long time followers and you’ve helped me out numerous time both in answers to my direct questions as well as the general information. And I was hoping for one more time. This is not directly about debt and I’m hoping to keep it this way as you will see below. Hopefully you can help ... Read More »

How Did These Debt Relief Marketers Get My Information?

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Question: Hey Steve, Just saw your page here and wanted to ask you a question about a similar problem I’ve been having. Since I got a high limit credit card, I notice that periodically I’ll receive letters like this with NO company name or address, yet with all my personal details (first name, last name, ball-park debt amount, and address). ... Read More »

I Want the Department of Education to Get Their Sh*t Together

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Question: Dear Steve, I am not sure exactly who to direct this issue to, therefore, if you are not the correct person/dept, please advise. Well Over 20 years ago I took a student loan through the Department of Education to attend college. If I recall I made payments for some time after graduation in 1988. When I began teaching in ... Read More »

I Defaulted Again on My Rehabilitated Student Loans. Now What?

Problem Solving Series

Question: Dear Steve, I just got word from my employer that they will be garnishing my wages due to unpaid student loans. This is the second time this has happened to me. I went through the rehabilitation process the first time but was told at that time this you can only be eligible for that once. I also did not ... Read More »

Can U.S Hardship Group Really Eliminate My Private Student Loan Debt?

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Question: Dear Steve, I have a question. I have defaulted on many of my private student loans. I had been making payments but the payments were so high I wasn’t able to make as much they wanted so they defaulted. I came across a company called US Hardship Group. They seem very reputable through BBB (A+ rating) and I have ... Read More »

Can I Move to Sweden Whilst I’m in a UK Debt Relief Order?

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“Dear Jon, I am in a debt relief order at the moment. I am thinking of moving to Sweden in the summer, whilst I am still in the DRO. If I move to another country and get a job whilst still in the DRO, will I have to repay the debts I owe from there? Cal” Cal, There are no ... Read More »

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