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Student Loans

I Just Filed a Pro Se Adversary Proceeding to Discharge My Student Loans

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Question: Dear Steve, Hi, just read your article. I’ve just filed an adversary proceeding in Brooklyn-Eastern District Bankruptcy Court against US DOE, requesting undue hardship discharge of student loan debt. Is there any update to this article, or any other information you’ve come across regarding attempts at student loan discharges? The study you reference in article was informative, but looking ... Read More »

    My Mother Demands Parent PLUS Loan Payments But Will Not Share

    Frustrated

    Question: Dear Steve, Back in 2010 my mother submitted for Parent PLUS loans for my sister and I. Half the amount for my sisters education, half for mine. Right now we are in the repayment process. Both my sister and I did not finish our education and stopped when we realized the amount of the loans. So we do not ... Read More »

      My Wife is Mentally Disabled. Can Her Student Loans Be Forgiven?

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      Question: Dear Steve, My wife graduated in 2001 B.a. degree music. Accumulating $154,000 student loans. She has been on permanent disability since 2000. Benefits of $547 month. I am 70 work to maintain medical insurance income $2000 month. We have filed bankruptcy twice due to long term medical bills. last time Jan 2010. My wife has attempted to work twice ... Read More »

        I’m Disabled and Having My SSI Garnished for Student Loans. What Can I Do?

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        Question: Dear Steve, In my 3rd year of college, Dec. 1988, I was involved in an auto accident with a semi. My head hit the steering wheel with force and I have CNS damage and lesions on my brain. I went right back to school and failed class after class. I did not have continuous memory for 6 months. I ... Read More »

          My Student Loan Balances Enlarged Without My Permission

          Why?

          Question: Dear Steve, Back in the early 90’s I took three loans equaling 6000 dollars. I failed to complete the program I was in enrolled in and never received my certification. Unable to get a job in the field I had been training for I consolidated the three loans into one thinking the payment would be lower and less to ... Read More »

            My Ph.D. Loans Will Leave Me Old, Broke, Hungry, and Cold

            break free from prison pressure or quit job running away towards

            Question: Dear Steve, I have $175,000+in student loans from grad school programs. My first grad degree program was a PhD in political science; the second a high school teaching license in social studies. Neither field has been hiring over the past 15 years at anything other than a negligible rate. Because I have my masters degree, I am more expensive ... Read More »

              My Art Institute and Fullsail Student Loans Are Outrageous and Unaffordable

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              Question: Dear Steve, I have obtained private loan debts from for-profit schools such as the Art Institutes and Fullsail. These debts have doubled from the interest alone. I find myself in a cycle: when I do work, all of my income goes to paying the minimum payment, or I go back school, but a legitimate state school to postpone payments. ... Read More »

                What Can I Do to Get Out of Being a Cosigner on a Private Student Loan

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                Question: Dear Steve, I co-signed a private student loan in 2005 for my ex-wife (she was not my ex-spouse in 2005). The amount was $10k. Current balance is ~$6,400 and is in deferment (1-2 months left on that). She agreed to pay it post-divorce but fails to do so unless her arm is twisted enough (usually when it becomes 120+ ... Read More »

                  Why is Navient Chasing My Cosigner for My Student Loans?

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                  Question: Dear Steve, I made the mistake of attending a for-profit college and, like most students, took out a bunch of loans to be able to complete my education. Also, like most students, I didn’t know what I’d be getting myself into with private loans, which were taken out with Sallie Mae (now Navient). I’ve been trying unsuccessfully to find ... Read More »

                    Navient is Being Rude and Nasty But I Can’t Pay

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                    Question: Dear Steve, I attended UMFK, took every private and federal loan offered to me for my tuition because I was young and dumb. I graduated with a measly associates in general studies, and work full time as an insurance agent making a take home of about $17,000 ($10,000 of that goes to childcare). Granted I do pay my family’s ... Read More »

                      I Went to a Scam School and Now I Have Private Student Loan Problems

                      Adult Ed - Questions

                      Question: Dear Steve, I got suckered into a month long school that promised a job as a finance manager at a dealership upon graduation. They had all kinds of people working there with a background in dealership management, so I never thought to ask an F&I manager. Once I graduated, I walked into a dealership to apply, and they laughed ... Read More »

                        How Can I Stop My Perkins Loan Wage Garnishment?

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                        Question: Dear Steve, 3 years ago, I received a letter from my employer stating that there was a judgment against me for a perkins student loan that I signed off on after I graduated, agreeing to pay a debtor (not knowing the damages that this would cause in the future). I should have never signed the contract because I didn’t ... Read More »

                          How Can I stop Making Payments on My Heald College Private Student Loans?

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                          Question: Dear Steve, My student private loan was through chase now its through AES (American Education Services). The school is Heald College graduated in the year 2007. AAS degree in Medical Administration Assistant. When I first applied to the school I was promised to graduate with experience and job placement assistance. Before graduating I asked about an Internship for the ... Read More »

                            What Direction Should I Take to Deal With My Student Loans?

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                            Question: Dear Steve, I recently graduated from veterinary school in 2011. Since then I have been trying to pay back my student loans. I was advised to consolidate my loans in 2012 because if I did this I would only have to pay for 25 years and then whatever debt was left would be forgiven. When advised what the standard ... Read More »

                              Great Lakes Higher Education Authority Says They Can’t Sue Me

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                              Question: Dear Steve, In 2001, I took out a private student loan from Great Lakes Higher Education Authority to pay for massage school. After finishing school I took a deferment while seeking work. The payments eventually kicked in and were prohibitively high in combination with high credit card debt and federal student loans. In 2007 I applied for bankruptcy in ... Read More »

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