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Why Won’t Anyone Let Us Consolidate Our Spousal Consolidation Loan?

Question: Dear Steve, FFEL Spousal Student Consolidation Loan taken out in 2002, with Sallie Mae (now Nelnet). We are still married, however both work in public service, and could potentially benefit from the PSLF program. However, we have been told by Direct Loans that we cannot re-consolidate the spousal consolidation loan (which is comprised of … Read more

Department of Ed FFEL Joint Consolidation Rules Arbitrary & Punitive

Not that long ago I wrote an article, “This is One Way to Get FFEL Spousal Consolidation Loans Forgiven” in which a reader was looking for a way to deal with her previous FFEL spousal joint consolidation loan with her ex-husband. She wanted to move forward in a positive way in dealing with her student … Read more

This is One Way to Get FFEL Spousal Consolidation Loans Forgiven

“Dear Steve, I have been a government employee and/or public servant since 1991. I am now 45 and I hope to retire by age 72. In or around 2002, I consolidated my law school student loans with my then husband into both a FFEL subsidized and unsubsidized loan. The total amount consolidated was roughly $42,000. … Read more