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Student Loans

I’m Disabled and Behind on My Government Student Loans. – Jess

happy woman in wheelchair outdoors beach showing victory sign

“Dear Steve, I have about 42 thousand in gsl debt that has gone through to about 60 K now. I have been disabled and trying to get on ssi/ssdi for about 6 years now. I have an apartment via a government program to assist disabled persons with housing, but have only 115 plus food stamps from the state while my ... Read More »

    My Mother Took Out Loans to Pay for My Education. I Can’t Afford to Pay. – Jasmine

    College Tuition Expenses

    “Dear Steve, My mother took out loans to fund my education with the best intentions in the world. Unfortunately because of some medical and educational setbacks, it took me 6 years to graduate and I’m sitting on around 100K in student loans, not sure how much is private and how much is federal :( After graduation I was laid off ... Read More »

      I Married a Drunk and Selfish Ass Who Never Cared About Debt or My Student Loans. – Tammy

      Student Loan Corkboard Concept

      “Dear Steve, I have a 22 year old student loan, it was 1.200 originally. I was married to a drunk and a selfish ass who never cared about debt. who has gotten us into more and more debt .I got rid of him finally now I am filing bankruptcy for all the debts except the student loan. With interest it ... Read More »

        Got Student Loans. Got Cancer. Can’t Make Payments.

        Magnifying Glass - Q&A

        “Dear Steve, 10+plus years of student loans Bachelors and Masters Degree Cancer 2008 – now in remission Two Kids Stay at home Mom No solid work experience I have utilized all forbearance and deferments and I am not looking for full time work and there has been no attempt to repay, yet I want to discharge my debt because I ... Read More »

          I’m Graduating College at 63 But Have a Lot of Student Loan Debt. – Vicki

          Student Loan Corkboard Concept

          “Dear Steve, I am an older student, have been on unemployment several times in the last 5 years, have not been employed full time for the last 3 years. I have a large amount of debt, especially student loan debt. I am an “older student” and will be finishing my Bachelor’s degree this year, 43 years after high school graduation ... Read More »

            My Private Student Loan Cosigner Died. What Happens Now? – Nina

            College Tuition Expenses

            “Dear Steve, I have 4 student loans and two are private loans thru Wells Fargo and American Educational Services. They bot are default and they are about $45,000. I don’t make enough money to pay the loans. My salary covers basic needs and car payment. I had cosigner who passed away a month ago? What will happened with my default ... Read More »

              I’m in the Navy. How Can I Tackle Private Student Loans in Default. – Theresa


              “Dear Steve, I graduated from college in 2006 with a BA and then enlisted in the Navy. I have been in the service now for 6 and a half years. I have about $116,000 in private student loans that are in default. I don’t make enough money to take care of my living expenses and send money to my family ... Read More »

                Kentucky Higher Education Says I Owe a Lot of Money for a Student Loan. – Beth

                College Tuition Expenses

                “Dear Steve, 47 year old,, married, recently moved to N.C.. I went back to school in 08′ and my school loans added up to 5600.00. I deferred the loans and was notified in 2012 that the loans were not deferred and had been in default for a year. YES a year. I explained this doesnt make any since if they ... Read More »

                  How Can I Consolidate My Sallie Mae Private Student Loan Debt? – Laura

                  Student Loan Corkboard Concept

                  “Dear Steve, I recently graduated from Mass College of Pharmacy with a Doctorate of Pharmacy and a butt load of student debt. I owe Sallie Mae around 157,000 and the federal government 87,000. My monthly payments are 3.000 a month which is more then half of what I make. I can’t find a company that is willing to consolidate my ... Read More »

                    Sallie Mae Made Me an Offer to Settle My Student Loan Debt for Half. – Maria

                    Ready to Collapse

                    “Dear Steve, I have student loans dating back to 2000. I recently got an offer from sallie mae to reduce my principal(104,000) by half(55,000) and then make equal payments for 94 months. Would this affect my credit score. Will it be better for me to keep paying for 17 years my debt? Maria” Dear Maria, That’s a pretty nice offer. ... Read More »

                      I Can’t Get a Private Student Loan to Finish My Nursing Degree With a Tax Lien. – Shelia


                      “Dear Steve, In February 2012 I filled for an Offer In Compromise with Georgia Department of Revenue. I am a nursing student and I am not employed. I received a call from the State Department wanting me to make payment arrangements for $50.00. I explained that paying $50.00 a month will cause a hardship and is not feasible since I ... Read More »

                        How to Really Discharge Your Student Loans in Bankruptcy. Many Can. But Never Try.

                        Student Loan Corkboard Concept

                        For years we’ve all heard the same message that it’s near darn impossible to discharge student loans in bankruptcy. We’ve heard that the undue hardship standards make it so onerous that expecting a student loan discharge is all but an act of God. But what if that belief was actually more myth than fact? Recently Jason Iuliano, (J.D. Harvard Law ... Read More »

                          I’m a Special Education Teacher and Thought My Student Loans Would be Forgiven. – Debbie

                          Student Loan Corkboard Concept

                          “Dear Steve, I have student loans that I was told would be forgiven once I taught Special Education in a High Needs/qualifying district for 5 years. Well I’m now on my 5th year and they want to deny loan forgiveness because I had approximately $800 left on undergraduate loans. However the issues I have with this are as follows: 1. ... Read More »

                            I Am a Special Education Teacher and Facing a Wage Garnishment for My Student Loans. – Lucinda


                            “Dear Steve, I am an special education teacher, been teaching 9 years. My student loans have been garnished, taxes taken as well for the last three years. with the incoming coming out of my paycheck, i lost my apartment twice. The second time, i had lost my teaching certificate for a few months and job position. I am not teaching ... Read More »

                              Recent Law School Graduate With Massive Student Loan Debt. Help! – JM

                              Student Loan Corkboard Concept

                              “Dear Steve, Recent law school graduate. Legal job at $10/hr, part time. $250,000 in loans (includes 4.5 years undergrad and 3 law school without any family assistance or preparation) accruing interest. Required monthly payments at just under $4500/month, can’t afford rent, gas, food, etc. Living tentatively with family. Hopeless and deeply, deeply scared. Waiting IBR request. Completely overwhelmed and desperate. ... Read More »

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