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Student Loans

Oglethorpe University Has Me Deep in Debt. – Brittany

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“Dear Steve, I am (or rather, was) a college student and Oglethorpe University. The university typically sends you a “Financial Aid Package” in the summer before the semester begins to inform you of how much aid you’ve qualified for and then you sign off on it. In the summer of 2010 I did not receive my package on time, nor ... Read More »

    AES Consolidated Student Loans in Divorce – Lori

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    “Dear Steve, My ex-husband and I consolidated our students loans. My potion: $20,000, his portion, $40,000. We divorced. Our loan was with Educational Direct. Post-divorce, we refinanced(?) our loan and it now lies with American Education Solutions. In the divorce agreement, which we filed through We The People ourselves, we agreed to pay on the loan jointly. My husband hasn’t ... Read More »

      We Need to Eliminate Our Credit Card Debt to Afford College Loans. – Michael

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      “Dear Steve, My wife and I have approximately $56,000 in credit card debt. We have implemented a austerity plan, and am paying that down at the rate of approximately $800 a month. The problem is that in Dec. 2013, we will have to start paying $1600 a month in college loans for our daughters education. In order to afford that, ... Read More »

        I’m a Victim of Identity Theft and Can’t Pay My Medical School Tuition. – Sarah

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        “Dear Steve, My family member took out a credit credit in my name (without my knownledge) and I only recently found out when I applied for a private student loan. It is now being handled but all I want to do, and have wanted to do was pursue my career and become a doctor, and now that I have worked ... Read More »

          Looking for Medical School Student Loans Forgiveness or Help. – Ace

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          “Dear Steve, Time delay and did not finish Residency until 2006. Another Time delay and did not procure steady work until 2009. Principle Loan Values as Follows- Currently have 12,000 in Treasury Offset from National Student Loan Program Currently have 48,000 past Due from Wells Fargo formerly ACS. Currently have 220,000 in Sallie Mae Loans in Deferment Currently have Perkins ... Read More »

            Is There a Federal Student Loan Forgiveness Program for Me? – Jennifer

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            “Dear Steve, Is there a student loan forgiveness program. I have a student loan with Illinois Student Assistance. Its 24,000+. They have been taking out of my check for about 4 or 5 years and taking my tax refunds. The balance is going UP instead of down. Its causing a hardship having to pay that money twice a month. do ... Read More »

              I Graduated With PSU Student Aid But Struggling to Pay My Student Loans. – Dricka

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              “Dear Steve, I am currently a graduate school recently I gather information and gave information to a debt collect agency which I was referred to and now their calling me and threaten to garnish my wages. I am in graduate and I called because I found out that my loans from undergrad were no longer in deferment and is in ... Read More »

                Private Student Loans Disability Discharge – Erica


                “Dear Steve, I became chronically ill about three years ago and my health declined rapidly. I almost ended up in a coma, and by the time I was finally diagnosed, it was discovered I have a metabolic disease that is progressive, incurable and there is no proven treatment. I have been unable to work for the past 2 1/2 years ... Read More »

                  Consolidate Parent Plus Loans – Carol

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                  “Dear Steve, I have two PLUS loans that I took out for my daughter for her first two years in college. My husband passed away at the end of her first year. I have two other children, who at the time where young enough that I was able to collect Social Security for them. Now that I can not longer ... Read More »

                    How to Settle Student Loan Debt. – Jessica

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                    “Dear Steve, Didn’t learn how to be responsible with my money until it was too late. I was approved and took 19,000 in a student loan which has since defaulted and went into collections. I have previously filed for bankruptcy but this particular loan stayed on. I want to try to settle, but due to the bankrupcty, I cannot get ... Read More »

                      My Brother is Mentally Ill and Has a Tremendous Amount of Student Loans. – Laura

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                      “Dear Steve, I have and estranged brother for 30 years. He became suicidal and started sending me emails. As a result we got him home and he was such a mess we immediately took him to a psychiatric facility where was admitted for several weeks. He came home to live with me and I realized he has psychosis. He is ... Read More »

                        If I Get a Cosigner for My Private Student Loans Will It Hurt Their Credit If I File Bankruptcy? – Melissa

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                        “Dear Steve, Thinking about getting a cosigner for a small private student loan, theyre worried about the possibility that their credit will be affected if I ever file bankruptcy, which is highly unlikely, but I know in that case I will have to and plan on always paying my student loans anyways so I dont think it would affect them ... Read More »

                          Sallie Mae is Garnishing 15% of My Wages. – Derek

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                          “Dear Steve, I graduated college in 2007 with a mountain of student loans. I had three sets of loans, one large chunk through Sallie Mae amounting to around $52k, and two private loans amounting to about $10k each. I had an agreement with Sallie Mae to defer those loans for a year after they were up for repayment and I ... Read More »

                            I Have a 30 year Old Student Loan. – Rose

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                            “Dear Steve, I have a student Loan that is 30 years old. The original principal amount was $9,399 now the amount is $26,000. I am unemployed and my husband is self employed. Are there any programs out there that offer interest forgiveness? I want to get rid of this debt. But need help. Rose” Dear Rose, Is this a private ... Read More »

                              Can Sallie Mae Garnish My Social Security? – Pam

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                              “Dear Steve, I have no taxable income I receive VA compensation for being 100% disabled and Social Security can these benefits be garnished for the debt, and if so once my benefits are garnished am i stuck paying forever and this kid gets away scott free? Do I have any options, like suing him or his parents in civil court? ... Read More »

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