I Think My Student Loan Will Be Cancelled By My Bankruptcy. – Decker

“Dear Steve, I am in the process of filing for bankrucpty. It is to be ofically discharged next week. I have a student loan that I was told could not be discharged, however the loan center is reporting to the credit companies that my loan is in forbearance and included in the bankrucpty. I was … Read more

My Social Security Check Will Be Garnished for a Student Loan I Did Not Take Out. – Verna

“Dear Steve, My child took a student aid loan in 1996. I was contacted today by a collection agency stating that they will garnish my soc.sec.disability check if this loan is not paid. I did not take this loan out even though it is in my name. The collector stated that I must press charges … Read more

Obama Student Loan Forgiveness Program

“Dear Steve, I have a high student loan debt at 8%. Part of it is unsubsidized. I have heard talk of a new plan by the Obama administration to forgive student loan debt. How will this new plan be implemented? Who will be able to take advantage of it? Alex” Be sure to read The … Read more

Has the Obama Student Loan Forgiveness Program Been Approved Yet? – Kelly

“Dear Steve, Hi Steve, I Came across your site by accident and I’m glad I did. I have student loans that are 24years old and in default. Due to hardship and illness over the years I have not been able to pay them. I went to an attorney for free advice and found that school … Read more

Am I Going to Be Piled Under SallieMae Student Loan Debt For The Rest of My Life? – Mike

“Dear Steve, My father owns his own small law firm (him a secretary and a para legal) his income was about $200,000 a year when I was 17 but it included running his business (rent, paying employee salaries, health care, taxes.. etc). The government said we made to much $ for me qualify for federal … Read more

I’m Getting Married. We’ve Both Gone Bankrupt. Will We Be Able to Get Student Loans? – Shater

“Dear Steve, My fiance and I filled for chapter 13 bankruptcy, separately, in 2009. Both our plans have been confirmed, and we were looking to get married this year. If we get married so we have to file an adjusted plan with our attorney? Do they get merged? Also, my fiance is looking to attend … Read more

What Can I Do to Get My Federal Student Loan Out of Default? – Ian

“Dear Steve, I have a federal student loan which has been in default for well over a year. The debt collection agency is calling and threatening to garnish my wages; I obviously do not want this to happen. I would like to get my loan out of default so I can take advantage of all … Read more

Why Doesn’t My Ex-Husband Have to Pay My Student Loan Debt? – Angela

“Dear Steve, I have a consolidated student loan that sits at $87,000 right now – that amount represents my loan of approx 25,000 and my ex-husbands of approx 55,000 and the rest is interest (it’s been deferred since 1997). I consolidated at a time of emotional distress (new mom getting divorced) and didn’t understand that … Read more

I Have $200,000 in Student Loans. – Kane

“Dear Steve, I did undergrad and grad school straight through and financed everything. I racked up nearly $200,000 in federal and private debt. I have all my private debt consolidated into a direct loan consolidation with standard repayment, and I have another $50k in private student loans all from different lenders – a total of … Read more

I Owe $100,000 in Student Loan Debt And Might Have to Leave the U.S. My H-1B is Expiring. – Venkat

“Dear Steve, I have been in US from 2002, I have been working full time from 2004. I have been working on my part time MBA from a Top business school from 2008. I am on currently on a H-1B visa now. The green card is no where in sight. I have minimum credit card … Read more

I Don’t Know Which Was Worse, the Cancer or the Student Loan. – Paige

“Dear Steve, Old Student loan rehabilitated with tagged on interest and fees. Need help reducing the capitalized interest added to the loan while I had cervical cancer and lost my job and could not make payments. Do not know where to turn. 7900.00 in capitalized interest was added . I have an old stafford loan … Read more

I Filed Bankruptcy and Now Need to Get My Student Loans and Credit Score Rehabilitated. – David

“Dear Steve, First off, I’d like to say thanks for your site. Your answers to other people’s questions has really helped me plan my own bankruptcy recovery (monitor my reports, use a secured credit card to help reestablish credit). However, there’s one thing that I haven’t seen come up, so I’d like to ask: student … Read more

I’m in Debt to the IRS and Student Loans Only. What Can I Do? – Veronica

Veronica “Dear Steve, Gawd I hate being in this situation, but I am 45 years old and almost $70,000 in debt. Most of it is from student loans, IRS, and other loans. No credit cards. I’ve heard that you cannot file bankruptcy with IRS or Student Loans debt. Was wondering if this is true. If … Read more

I Have No Debt But My Student Loans Are Hurting My Credit Score. – Maria

“Dear Steve, Currently trying to buy a home Fresh Grad 1st year New Hire Paid off all debt–except for student loans ($40000) I have been working very hard at imporving my credit since I have obtianed a job in healthcare fresh out of college (’08). I was at 619 and was enrolled in classes this … Read more