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Student Loans

How Do I File Bankruptcy On My Private Student Loans? – Janita

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I have about 67,000 of private student loans to sallie mae. My mom is a cosigner on several loans and Im trying hard to keep them from garnshing her wages. I am currently unemployed. I can make some type of payment but cannot afford what sallie mae is asking for. I was wondering can I filed bankruptcy on my private ... Read More »

I Can’t File Bankruptcy and My Student Loans Are Killing Me. – Roxanne

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“Dear Steve, I have over 200,000 in federal guaranteed student loans. I live in Bensalem, PA. I make about 1500.00 take home every two weeks. I own a house and owe about 70,000 on it. The house is located in a working class neighborhood. it is cheaper to own then rent so I have not sold the house. I could ... Read More »

I’m a Marine Corps Officer Waiting for Basic School With Student Loan Debt. – John

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“Dear Steve, Marine 2nd Lt. awaiting orders for The Basic School, wont be able to pay loans after grace initial grace period passes I was commissioned a 2nd Lt. in the Marine Corps shortly after graduating college with an engineering degree. I volunteered to serve and owe the government nothing for joining (didn’t do ROTC or anything like that). As ... Read More »

I Went to School to Become a Psychologist But My Student Loans Are Too Much to Deal With. – Steve

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“Dear Steve, My wife and I have managed to amass over 300k in mostly student loan debt. She has a good job as a school psychologist, and I am currently taking care of our 2 young children (6 and 1). I went to school to become a psychologist , but was ultimately forced to stay at home with our children ... Read More »

Should I Just Wait for My Social Security Income to be Garnished for the Student Loans? – Mari

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“Dear Steve, I am 69 years old and live on Social Security. I returned to school 2 years ago and recently graduated with an Associates of Science degree. I have difficulty in finding a job in my field which is Early Childhood Education. Additionally, I have arthritis on my left hip and my left knee and leg pain terribly to ... Read More »

I’m Thinking of Killing Myself So My Parents Don’t Have to Help Me Pay College Tuition. – Derek

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“Dear Steve, Im 18 and I decided I wanted to go to school for architecture but then took two weeks of classes and I decided it wasn’t for me, and i also could no longer afford travelung and knoew i couldnt pay the tution not covered by financial aid. So I canceled my classes after two weeks and I was ... Read More »

ROTC Was Supposed to Pay My Tuition But I Can’t Get My Transcripts Because I Have a Bill

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“Dear Steve, I graduated from college in may of 2010 with roughly a 100,000 dollars of student loan debt. I have deferred my fedeal but as for private they wouldnt let me do so. So now its on my credit and i cant pay because i have no job. First question is how can i reduece this debt. My second ... Read More »

My Student Loans Were Discharged in Bankruptcy But They Are Trying to Collect

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“Dear Steve, My chapter 7 was discharged in 2002 wherein I listed all student loans and creditors. No one showed up. No one filed an adversarial proceeding. Then 3-1/2 months later I received a call wherein there told me I had to repay these loans and had me sign a FFELP Fed Consolidation Loan and Prom Note application. I now ... Read More »

Sallie Mae – Consumer Complaint – 5-24-2012

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Consumer Statement: In 2004 fresh out of high-school I decided to go to Culinary school in Las Vegas, NV. I took $15,000.00 out in private loans from Sallie Mae. Now going through the years with less glamorous jobs then I’d though I’d have over this time and using all my forbearance and deferment time. Around this passing Thanksgiving time i ... Read More »

I Have to Start Paying on My Student Loans I Can’t Afford. – Jessica

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“Dear Steve, In 2010-2011 I attended a private graduate school in Chicago and racked up 70,000 in student loans (including current interest). After the first year I realized that the program was not as reputable as I previously thought and I removed myself from the program due to the fear of going into 250,000.00 in debt with no job opportunities. ... Read More »

I’m Being Sued for Private Student Loans After the Staute of Limitations

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“Dear Steve, I has several private student loans taken out in 2004-2005. I am being sued by collection agency representing the lender. The ny statute limitations is 6 years. They allege I admitted the debt on phone. I recently received a letter from collection agency to call them so we can work on a payment agreement and not have to ... Read More »

My Sallie Mae Loan Was Discharged in My Bankruptcy But They Still Are Trying to Collect

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“Dear Steve, I signed as co-signer for a Sallie Mae student loan for a friend back in about 2003 and in shortly after that about 2005 never had further contact with this person. Later found out that they defaulted in their loan, so Sallie Mae started sending me collection letters. In Nov. 2007 I filed for personal BK 13 in ... Read More »

My Student Loan is Almost 30 Years Old and I’m In Collections. – Dawn

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“Dear Steve, I currently have a student loan that is 27 years old. I was 17 years old when I was offerred this loan, and really unaware of the rate of interest, penalties, etc. I divorced from my husband at the age of 19 (due to the fact that he was physically abusive), and in the divorce decree, it was ... Read More »

I Went to UNCW But They Did Not Contact Me for Five Years to Collect Past Due Tuition. – Scoot

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“Dear Steve, I attended UNCW (University of North Carolina Wilmington) for approximately 3 weeks back in August/early September of 2005. Apparently, I had to pay tuition for that semester as I missed the cutoff date to receive tuition refunds. A check was written to the school for $3100 approx. in June of 2006. I have no idea why, as this ... Read More »

I Make Hardly Any Money. How Can I Get My Sallie Mae, Direct Loan and Pell Grants Forgiven. – Elle

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“Dear Steve, 1. I’ve been homeless and rented “rooms” for the last 3 years. Moved somewhere between seven and nine times. 2. I’ve been mostly unemployed, have had a great difficulty finding jobs because I was a stay at home parent most my adult life, and when I did find work the pay was 8.50 and hour on the average. ... Read More »

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