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Student Loans

My Student Loan Lender Wants to Take My House

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“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?

              loan-approved

              “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

                kiten hiding

                “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

                  process

                  “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

                      begging

                      “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 »

                            I’m So Stressed Being a Sallie Mae Cosigner. I Want to Be Removed. – Ronda

                            Mature woman confused

                            “Dear Steve, I co-signed student loan for my son, who has graduated from college, but is not working, cannot pay the loan…I am on Social Security, and the stress is killing me. Is there any possible way to get me out of this? What needs to happen to get me removed as a co-signer. How to get out of a ... Read More »

                              I’m So Far in Student Loan Debt There is No Hope for Me. – Adam

                              upset young man

                              “Dear Steve, I have private student loans as well as federal ones, but they gave me the loans without cosigners and the interest rates have basically made it so, despite making payments, the principal hasn’t gone down. At this point, I can’t afford to repay them all, have defaulted a few, and can barely afford the necessities needed to live. ... Read More »

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