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Recently Answered Reader Questions
What Can You Tell Me About LoanRatePal That Keeps Calling Trying to Sell Me a Loan
Question: Dear Steve, Please check this company loanratepal.com I have received numerous robocalls qualifying me for a loan. I can find not much information on the company, except they are owned by CT International, vidadebtrelief.com, and truvento.com on the BBB…
I Went to Jail, Worked for UNICOR and Want to Get My Student Loans Forgiven
Question: Dear Steve, In 1992 I had a small student loan for a career college in Indianapolis. A year later, I was sent to Federal prison and incarcerated for 26yrs…
Is It Legal For Navient to Add Capitalized Interest to the Student Loan Balance?
Question: Dear Steve, My son’s student debt is in repayment now for the 22nd year, late with their payments by a week or two, many times. The loan servicer (Navient)…
Is This RISLA Student Loan Refinance Pre-Approval a Good Deal?
Question: Dear Steve, I had asked you previously about refinancing Sallie Mae Student Loans (personal, not federal anymore). We have looked around and decided on Rhode Island Student Loan Authority.…
Is Litigation Practice Group LPG Legit?
Question: Dear Steve, I hired (LPG) Litigation Practice Group law firm to represent me, but I am curious if this company is legit. I have $8,000.00 in debt, and they’re…
Trapped in a Spousal Consolidation Loan and Trying to Get Forgiveness
Question: Dear Steve, We have a “spousal” consolidation loan which was sold many times since the 2005 origination. Our original consolidation app does not specify it as a spousal loan.…
After 12 Years of Private Student Loan Payments I Want to Give Up
Question: Dear Steve, I’ve been paying on student loan debt for over 12 years now & haven’t seen the total amount decrease. If anything, it’s increased. My private loans are…
I Forgot to Include a Big Debt in My Bankruptcy. What Do I Do Now?
Question: Dear Steve, I filed bankruptcy chapter 7 in October 2021 and was discharged Mar 2022. I forgot one sewer assessment bill and sewer usage fees from the town of…
Did Worden & Associates Settle My Debt? How Do I Know?
Question: Dear Steve, I had two credit cards totaling over $30,000.00, and I went with Worden & Associates. And they say they have settled on the smaller one. How do…
My Federal Student Loan Balance is Going Up on IBR. What Can I Do?
Question: Dear Steve, Owe approx $150k on an original loan of approx $58k. Been paying steadily while trying to raise a family for years now. Did an IBR, making approx…
I’m 71 and Can’t Work Much Longer But Have Debt. What Can I Do?
Question: Dear Steve, I am 71 years old and not able to work much longer. I have credit card debt of almost $10,000, and I will have to quit working…
I Need Advice About Spring Legal Group
Question: Dear Steve, I signed with Spring Legal Group during the 16 months to pay $1100 monthly to consolidate debts. Several months before I checked my status, I know nothing…
Refunds Sent to Students Deceived by Student Advocates’ Debt Relief Scam
The Federal Trade Commission is sending 14,521 checks totaling more than $822,000 to borrowers who lost money to a student loan debt-relief scheme that operated under the name Student Advocates.…
Is There Hope For People Like Me With My Debt?
Question: Dear Steve, I’m drowning in credit card debt and a personal loan. Like others, living costs are almost impossible, and I haven’t been able to pay minimum balances. No…
What Will Happen With My Tuition Answer Private Student Loans?
Question: Dear Steve, I have Tuition Answer loans and did a Chapter 7 in 2013. My loans were not discharged, not even mentioned, since they were deemed “cannot be discharged”…
