student loans taken care of

[3timesoccermom]

It's true those people shouldn't be so rude but their job is getting the money back when conventional methods of asking for repayment fail.

I am truly sorry your financial circumstances are difficult (these days most of ours are) and that this is going to come across as unsympathetic but you agreed to repay this when you borrowed it and just because you don't hear anything from the loan administration doesn't make it a gift to you and absolve you of your debt.

If you loaned someone money I am sure would expect to be re-paid even if you didn't send a reminder, wouldn't you?

When people default on loans it makes it harder for others to get them. You were helped when you needed it, it's your obligation to repay and I sincerely hope you do because I have a daughter going to college in August and we will be seeking some loans since she plans to be in school for 8 years.

Good luck and hope you are able to work it out satisfactorily to all.

ok so we have a student loan that we have not recived any info on at all 10 months ago it went into defult we paid for 9 months it went out of defult and never heard anything on again i figured his dad was paying on it then today out of he blue this lady starts calling us very angery and like every 5 mins told my husband that i have to call at excally 730 not 1 min early or late and she dosent want to work out any kinda plan according to hubby she wants the $ now or they will garnih $400 of his wages I dont now what to do honestly we are a fam of 6 and can get food stamps on the $ my hubby makes we dont but could. I dont even know what to say to her she is really snotty on all the voicemails and wants to know every last penny that we spend is that typical? thats why I have to speak to her cause hubby has no idea he just makes the money i spend it lol so what do i say I dont know what loan this is for except it is th one that went into defult b 4 we dont have the money help please any one?

[rbunnymom]

This loan must have came after the 'B' word?

I still suggest calling the loan dept from the number on a loan statement or you can prolly get the # from their website. There are too many scams anymore that I trust no one who calls me! (yeah, I can be paranoid!!) When you call, tell them you are on a strict budget and have $xxx to pay toward the loan each month and that is all you can do. Hopefully they will not give you too much fuss, but they may and they may ask for more. Stand firm on what you can actually afford. Good Luck!

This may have been answered already...Government Student Loans cannot be discharged on Bankruptcy.

You should contact the Government agency to discuss paying back what wasn't discharged. Sorry it is late so I can't recall the name of the agency. Call them first to find out if you need to deal with the agency calling. Also, you can write the agency calling and tell them not to contact you by phone. This just stops the phone calls not the collection efforts.

Good luck.

[jen276here]

This may have been answered already...Government Student Loans cannot be discharged on Bankruptcy.

You should contact the Government agency to discuss paying back what wasn't discharged. Sorry it is late so I can't recall the name of the agency. Call them first to find out if you need to deal with the agency calling. Also, you can write the agency calling and tell them not to contact you by phone. This just stops the phone calls not the collection efforts.

Good luck.

Thanks for the correction - I had no clue!

[nurseannette]

sorry about your situation...
I noticied you said your family qualifies for food stamps(maybe I missread)but aren't using/recieving any. If you qualify, get them, that would save you some money to help pay bills. I hope things get better for you.

[captainQpin]

ok sallie mae dosnt have the loan any more it is this other company I cant remember the name right now every time I called they would directly transfer me to the mean yealling lady I asked to speak to her super and the super was yealling to I did this like 10 times the last time i called i must have miss dialed and got the companys main line a lady answered and said i had the wrong department and transfered me well then a nice lady answered and said I heard you want to speak to a super please hold I said wait I will talk to you IF you promise not to yell or call me a lier she said she could do that she looked through the file and said i was NOT lying cause they just recived the account on thursday and had NOT sent out paperwork yet! We got to talking she is a fellow HCWer ugh I didnt even get her screen name Eve if your out there thank you! and I was able to set up a payment plan $65 for the next 12 months she is gonna send me out the paper work so I know whats going on so it took me till 9:45 but it worked out

and I do want to pay them I just figured his father was cause he is paying most of the loans and I cant talk to him about them cause as soon as I do he flips out and tells me to get a job which is not an option right now the inlaws hate me but thats another story

[captainQpin]

sorry about your situation...
I noticied you said your family qualifies for food stamps(maybe I missread)but aren't using/recieving any. If you qualify, get them, that would save you some money to help pay bills. I hope things get better for you.

I have tried numerous times and they always say we never recived your application plus its a huge hasle with dh just taking the second job if theres work he gets pd 30 days after the job is complete but there might not always be work like this month we would have qulified but next month we wont cause there was a ton of work this month make sense?

[saving-n-va]

ok sallie mae dosnt have the loan any more it is this other company I cant remember the name right now every time I called they would directly transfer me to the mean yealling lady I asked to speak to her super and the super was yealling to I did this like 10 times the last time i called i must have miss dialed and got the companys main line a lady answered and said i had the wrong department and transfered me well then a nice lady answered and said I heard you want to speak to a super please hold I said wait I will talk to you IF you promise not to yell or call me a lier she said she could do that she looked through the file and said i was NOT lying cause they just recived the account on thursday and had NOT sent out paperwork yet! We got to talking she is a fellow HCWer ugh I didnt even get her screen name Eve if your out there thank you! and I was able to set up a payment plan $65 for the next 12 months she is gonna send me out the paper work so I know whats going on so it took me till 9:45 but it worked out

I don't think that misdialing was a mistake. I think it was divine intervention. :-) So glad you go someone that you could actually communicate with and were able to work out a payment plan. Now be sure that you get those payments in and if you can't call that lady ahead of time and let her know. That way you will keep in good graces with them. Good luck.

[CouponSAHM]

I don't think that misdialing was a mistake. I think it was divine intervention. :-) So glad you go someone that you could actually communicate with and were able to work out a payment plan. Now be sure that you get those payments in and if you can't call that lady ahead of time and let her know. That way you will keep in good graces with them. Good luck.

I totally agree! Mistaken dialing, lady was actually nice AND a fellow couponer!!! Sounds like divine intervention to me