fbpx

Department of Education Offers Proposed Hope for Student Loan Changes

The Department of Education announced a set of proposed changes to federal student loan programs. It is interesting to note what is missing here. The two biggest fixes that are needed are the restoration of the discharge of student loan debt in bankruptcy as a regular debt and a fix for the spousal consolidation loan …

Read more

My Total & Permanent Disability Request Was Denied and My SSDI Got Garnished

Question: Dear Steve, The Department of Education denied my TPD (Total & Permanent Disability) form when Navient was still Sallie Mae back in 2010. Since then, I’ve had my SSDI offset after I started receiving collection notices through a 3rd party company contracted by the Department of Education. Fast Forward to 2016, and I was …

Read more

What You Need to Do to Get Your Federal Student Loans Forgiven if You Are Disabled

Question: Dear Steve, I’m medically disabled and unable to work. Sever strokes, diabetes, heart stents, high blood pressure, amputee, difficulty walking some dementia, due to the stroke, and kidney disease. How yo apply for total and permanent discharge? Alvin Answer: Dear Alvin, My goodness, you’ve faced your medical challenges. I can’t even begin to imagine …

Read more

I Have a Mental Disorder and Student Loans. Can They be Forgiven?

Question: Dear Steve, I have student loans that I will need to pay after I graduate. However, I suffer from bipolar, manic depression and psychosis. Will I be able to receive a total and permanent disability (TPD). Or some other loan forgiveness. I am still attending school though. I have been hospitalized for about 10 …

Read more

My Bipolar Disorder and Depression Has Hurt My Ability to Repay My Student Loans

Question: Dear Steve, Diagnosed in 1986 W/bipolar disorder, started Alcoholics Anonymous 1986(yes still sober & clean, 3/3/20,34yrs) I went to DeAnza College from 1990-1994, including summer, all vacation sessions allowed due to the fact of depression. I had to catch up. 1995 injured at work, 2 broke disks, had 2 wait 6yrs 4 surgery due …

Read more

I’m Disabled with Severe Depression and Anxiety but Navient Won’t Forgive My Private Student Loan

Question: Dear Steve, In addition to gov’t school loans, I received a private loan through Chase bank in 2005. It was sold to another company at some point then finally sold to Navient… of course, I had no say in this. I paid the minimum payment for a decade. Which in essence almost paid it …

Read more

Navient Says My Loan is Eligible for a Total and Permanent Disability Discharge But They Won’t Let My Cosigner Off the Loan

Question: Dear Steve, I have a private student loan from Navient (signature loan) since 2004. I have a cosigner on the loan. The loan qualifies for total and permanent disability discharge and Navient forward me the application for this private student loan after denying it exists for a while. I have to physicians fill the …

Read more

Disabled Vet Says Took Longer to Get Navient to Correct Errors Than a Tour of Duty

Recently Navient was sued by the Consumer Financial Protection Bureau and the complaint alleged a number of student loan servicing failures. Christopher Meyer, a disabled veteran, contact me about his experience and said, “I read the complaint filed in federal court. I felt like the CFPB were directly referencing me on page four of the …

Read more

MY SSDI payment is About to be Garnished Over a Federal Student Loan

Question: Dear Steve, I lost my job and was unemployed in 2013. At the time, Sallie Mae and Nelnet were my student loan servicers. I applied for and was granted deferment or forbearance and had to submit my paperwork in triplicate because Sallie Mae has my loan in two bundles (of loans). I tried to …

Read more

I’m Working Disabled and is There Hope for My Student Loans?

Question: Dear Steve, I have $160,000 in student loan debt. it is a combination of subsidized, unsubsidized loans through the Dept of Ed and is being managed through Nelnet. I’ve been out of grad school for 7 years and used 3 years deferment and 4 years under the IBR program at a payment of zero …

Read more