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Student Loans

What is the Process to Get ITT Tech Student Loans Forgiven?

raising hand

“Dear Steve, My husband and I both went to school at ITT Tech, a for-profit college. My husband got a Bachelor’s degree and I have an Associate’s degree. We each owe $100,000 in federal student loans. I am unemployed and my husband just started getting his wages garnished. We live paycheck to paycheck. If we could afford to pay we ... Read More »

    Can I File Bankruptcy on My Federal Student Loans to Stop My Wage Garnishment?

    Question Theme

    “Dear Steve, Wage garnishment has been in effect for almost two years. I was always told that you cannot file bancruptcy on fed student loans…is this true? Currently i am garnished for 25% every two weeks. I no longer can afford my home car etc. Im losing everything. I have filed bankruptcy before and would prefer not to do it ... Read More »

      My Wife Went Back to School for a Special Education Teaching Credential and We’ve Got Loads of Sallie Mae Debt Now

      Woman in home office with computer and paperwork frowning

      “Dear Steve, My wife has $38k in new student loans for a Special Education Teaching Credential, the loan is through Sallie Mae. We make $160k/year in California with 8 children, total family of 10. We file Married Jointly. Initial repayment is around $400/month. My wife is currently employed as a special education teacher, full time. Our income may seem like ... Read More »

        I’m Not Paying My Private Student Loan and Now Live Abroad

        Abstract Businessman jets off with Rocket Pack.

        “Hi Steve, I have a non-federal student loan (Sallie Mae -$12K) and have not made a payment on it in over 5 years. Apart from trying to negotiate a payment plan when i was out of work and could not afford my repayments, I have had no contact with them. For the last year or two a collection agency has ... Read More »

          Will Only Full Payments Count Towards Public Service Loan Forgiveness?

          teacher

          “Dear Steve, I’ve been carrying a student debt since 1986, and it’s a heavy burden. I borrowed for my BA from 1986-1992 and then consolidated in 2000. I borrowed again for graduate school 2003-2005, have always been in good standing (by paying on the graduated repayment plan, being in deferment, or being in forbearance), but still carry a balance of ... Read More »

            A Debt Collector is Trying to Get Me to Pay An Old Private Student Loan

            law books

            “Dear Steve, I listed a private student loan, for a vocational school. I don’t know if it was discharged or not. How can I tell be looking at my bankruptcy discharge papers? The loan was once again sold to some collector after 6 years, and they are now trying to collect. The loan no longer shows up on my credit ... Read More »

              I Took Out Chase Private Student Loans and My Father Cosigned

              oops

              “Dear Steve, I was very irresponsible in this decision that I had made back in 2007 (after I had graduated high school), I somehow managed to convince my father to co-sign a loan for me for $8,500. My father barely speaks English and you could say that I even tricked him into signing those papers. It was terrible. Anyway, I ... Read More »

                What is the Best Way to Get Off a Sallie Mae Student Loan as Cosigner?

                punched-in-face

                “Dear Steve, I cosigned a student loan for a friend in 2000. Friend has not paid or not made regular payments. Loan is through Sallie Mae. Loan has gone to collections. Collections agency is contacting me at work, calling my parent’s home, my cell phone. Friend does not have money to pay or says does not have enough money to ... Read More »

                  My Apollo College Student Loan Was Sold to Sallie Mae

                  happy woman in wheelchair outdoors beach showing victory sign

                  “Dear Steve, I enrolled in Apollo College’s Vet Tech program in 2003. Through them I obtained a loan from First National Bank for the tuition of around $6,000.00. One of the first questions I asked the loan officer was whether or not my loan was of the type that would later be sold to another agency. I was assured that ... Read More »

                    How Can I Get Sallie Mae to Settle My Student Loan Debt? – Julio

                    Drowning swimmer

                    “Dear Steve, I have been paying on a $65,000 private student loan for about 4 years I worked out a deal where I pay interest only around $400 a month. None of the money goes to the actual principle. The original loan was for $30,000. Recently Sallie Mae started asking for $700 a month and I can not afford that! ... Read More »

                      How Can I Repay My Sallie Mae Student Loans When I’m Broke?

                      time and money

                      “Dear Steve, I have 8 private tuition answer loans from Sallie Mae in the total amount of $138,000 taken out between 2004-2008. After school I was able to make some payments and paid the $150 forbearance fee. Then after the crash of the economy I have not found employment that would give me enough income to cover my living expense, ... Read More »

                        How Can I Get Rid of My Private Student Loans if I’m Disabled? – Wayne

                        Thinking

                        “Dear Steve, I have had Federal and private student loans. I have Total & Permanent Disability discharge of the Federal loans. My private signature loans are with Sallie Mae. I have not been able to work forever. I have defaulted on the loans. I have not paid on the loans since Sept. 2010. The loans have been turned over to ... Read More »

                          Is It True My Sallie Mae Student Loan Could Have Been Discharged in Bankruptcy? – David

                          Student Loan Corkboard Concept

                          “Dear Steve, I filed Ch 7 in 2008 and had federal & private student loans. For the student loans in question, I took out federal loans (from Sallie Mae) that paid for the full cost of attendance. These loans are now in a repayment status. I also took out private loans (from Sallie Mae). these loans were not certified by ... Read More »

                            Sallie Mae Won’t Forgive My Teacher Loan. – Mona

                            teacher

                            “Dear Steve, I have been paying on my student loans with Sallie Mae for almost 15 years. I have a perfect payment history, no defaults, no late payments, PERFECT! I took the bare minimum of a loan which is down to $26,000. Before going to graduate school, Sallie Mae told me that I would get a loan forgiveness of $17,500 ... Read More »

                              Can I Really Get My Co-Signer ReleasedFrom My Sallie Mae Loan? – Robert

                              Moving Up

                              “Dear Steve, I have about $25K in private student loan debt from Sallie Mae, I have been making payments since 2008, always on time. My mother is the co-signer, she is retiring soon and would like her name removed from being the co-signer or for me to pay it off….unfortunately I do not have the money to pay it off, ... Read More »

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