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Student Loans

What is the Best Way to Get Rid of My Student Loans?

broken piggybank with dollar notes

“Dear Steve, I have a ton on debt. 36,000 in private student loans and 46,000 in Federal student loans. In 2010 I filed for bankruptcy and in 2012 I had brain surgery. I am now currently working and want to get this debt off my back. How would you suggest that I get rid of it. Navient has agreed to ... Read More »

    I Co-Signed With Sallie Mae for My Daughter. Now They Want to Sue Me.

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    “Dear Steve, I am having an issue with Sallie Mae student loan debt that I co-signed for. They are threatening to sue me since my daughter cannot pay the debt. I am unemployed and have been out of work off and on for over 6 years. I have only worked 5 weeks this whole entire year. I have no assets ... Read More »

      My Student Loan Lender Wants to Take My House

      Ask Questions - Button

      “Dear Steve, I have a very old defaulted student loan that is being paid via an attachment to my tax returns annually. I just received a letter that I may be forced to sell my house to fully pay this loan off. What can I do to protect my house? I have the sense that my loan was purchased by ... Read More »

        Why Doesn’t My Student Loan Lender Apply My Extra Payments?

        Adult Ed - Questions

        “Dear Steve, I have a question regarding paying extra on my student loans. I have three loans outstanding, with rates varying from 3.4% to 5.8%. I pay the minimum monthly, and am always in time. In fact, I try to be proactive and pay a little more on the loan with the higher interest rate. To my astonishment, I opened ... Read More »

          Navient Won’t Help Me Repay My Debts. What Can I Do?

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          “Dear Steve, I have a private student loan from 2008 that I haven’t been able to make the payments on since June of this year. The amount is about 22k and it was from Sallie Mae, but is now Navient. I was under a payment plan but was not able to keep up this past few months and recently talked ... Read More »

            How Can I Transfer My Parent PLUS Loans to My Son?

            Signs, Road Stencils

            “Dear Steve, I have several parent plus loans that I took out for my sons college. He also has some stafford loans. I am now concerned of the amount of loans I have under my name. I have three other children who will be attending college, and was hoping to buy a house in the next five years. He and ... Read More »

              My Husband is a Disabled Vet and the Student Lenders Are Coming After Us

              Debtstar

              “Dear Steve, My son has 2 Government Student Loans(Sallie Mae & NelNet). He is paying over $300.00 on each one, but they want $816.00. My husband is a Disabled Vietnam Veteran and now the loans are coming after us. They want to garnish his pensions of the difference in payment. I do not work cause I take care of my ... Read More »

                How Do I Stop My Student Loan Wage Garnishment?

                Magic Mushrooms

                “Dear Steve, My check is getting garnished until dec 17th after that they said i can make a payment arrangement and they will send out another garnishment can i tell them what i can pay a month or do they tell me what to pay? Viola” The Answer Dear Viola, There are two ways a paycheck could get garnished. The ... Read More »

                  Should I Consolidate My Student Loans Into a Variable Rate Loan?

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                  “Dear Steve, I graduated in 2008. I’m still paying down student loans, often more than the minimum payment. I have a mix of private and federal loans at varying interest rates. Would consolidating my student loans into a loan with a variable interest rate be beneficial? How long will the interest rate likely remain low? Is there anything in particular ... Read More »

                    Student Loan Service Managers Consumer Agreement Review

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                    “Dear Steve, Can you look over this agreement Student Loan Service Managers Sent Me? Anonymous” The Answer Dear Anonymous, I’m happy to look over the agreement for you and give you some feedback. Keep in mind I am not a lawyer and can’t provide you with any legal feedback. All I can do is read it like a friend and ... Read More »

                      My Federal Student Loan Payments are Getting Tougher to Make

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                      “Dear Steve, I have 11 federal student loans totaling just over $55k. (DI Special subcns, DI Special UnSubcns, Stafford subcns, and Stafford unsubcns loans) see attachment These are loans for my undergraduate & graduate degree. To date, I have not been delinquent in any fashion. Also, I have a good credit score rating, over 730. I have found it more ... Read More »

                        Should We File Bankruptcy on Our Student Loan Judgment?

                        stressed-woman

                        “Dear Steve, We have three student loans right now worth a significant amount of money. One of those creditors took legal action against us last year and won their judgement against us. We are waiting for wage garnishment against us to appeal that as we aren’t even in the state where the court awarded the judgement any longer. How long ... Read More »

                          I Have a Consolidated Parent PLUS Loan I Need to Find Relief For

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                          “Dear Steve, I have a consolidated federal parent plus loan for my daughter in the amount of 29k. I have been paying for 7 years is there any relief for me anywhere? I am 61 years of age. Elaine” The Answer Dear Elaine, There is so much unknown from your question. Please feel free to post updates in the comments ... Read More »

                            If You Used Your Private Student Loans for Stuff Other Than Tuition, Read This

                            Attractive red-haired female reading a manual before do-it-yours

                            “Dear Steve, I have both private and federal student loans. My private loans make up about 3/4 of my student loan debt which is around $36k. I fell for the whole, “wait until you graduate to deal with your loans” advice my school and others gave me. I definitely regret that now!! I saw in an article today that you ... Read More »

                              We Are Moving Out of America. Can We Just Leave Our Student Loans Behind? – Anouck

                              netherland fields

                              “Dear Steve, I’m a Dutch citizen, my husband is a US citizen. He has federal student loans on his own (approx. $20K), and I co-signed for his private student loan with Sallie Mae (aka The Devil) for about $40K. We have filed for Chapter 13 and are currently not making payments. We are planning on moving to the Netherlands (most ... Read More »

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