July 4, 2011

A Lesson in Freedoms – 4th of July 2011: The Register Makes New Findings on an Old Problem

The Register publishes very controversial study comparing Civil War era slavery with Student Loan default – but justifies this study due to recent alarmingly sharp increases...

Hello everyone (this is my first post). I have been reading up on the early buyout option and see that the plan must be paid back at 100% to do a early payoff after 36 months.

My situation

When I filed, it was to keep my vehicle. My bills were not behind, for the most part,...

Okay, I know that student loans are not discharagable in a Chapter 7, but I read somewhere that there is a new law (well new as in a year or two old) in the works that would make it easier to discharge student loans if it is passed. I Googled it and am continuing to do some research, but I figured that...

Hi everyone, I am at that point where I think it may be time to start rebuilding my credit. I currently have 2 student loans that I have never been late on and was wondering if I should try to apply for a credit card or is the student loan enough for rebuilding? My husband has no loans but did reaffirm...

I filed my chp 7 bankruptcy pro se and then filed an adversary to get the student loans dismissed. The clerks office said I have to do something now, but they can't tell me what. Does anyone know what comes next and what I need to do? Any tips? Is there anything you can do to either eliminate or...

Lurker but new poster here.

We had our 341 this morning. We pass the means test, but barely. The Trustee/BK Administrator had several issues with our budget. We are above the national standards due to a student loan that will enter repayment next month but is not currently in repayment,...

I have a credit card debt and a student loan debt. The student loan is in an income based payment plan, not defaulted and it's not causing any hardship because I am not paying on it at this time. Payments aren't due until November.

Now, even though I have to list the student loan and the...

Hello All - been lurking for about a week, read a ton of posts but cant find answers to some particular questions.

I've been looking into filing Ch 7 for a while now, but February 1st would be the earliest I could file (income went drastically down in August last year) to be below median...

I have been on a payment plan for two years now on my Chapter 13 filed in VA. Student loans are part of my plan. I had two student loans one is $9,800 and the other $68K and were AES loans. I recently checked my credit report and there are a few things that are very strange. First, it looks as if they...

My husband and I filed bankruptcy recently and were told by our attorney that our home would be exempt. We then had the meeting with the trustee and soon after found out that the trustee is arguing that our home is not exempt because we purchased the home in Nov 2007 and some of our debts were existing...

I filed CH7 a couple of days ago. Do I still pay my house, car payment and student loan payments? They probably haven't even been notified yet of my filing.

On September 21, the Trustee in my Chapter 13 case (converted to Ch 7 in November 2010) filed an objection to a claim made by Sallie Mae as follows:

The claim filed by SALLIE MAE GUARANTEE SVCS INC dated
August 24, 2010 for $ 45,245.45 was filed after the
last day for filing...

Hello, I came across this website today and have gotten so much great info! My husband and I are very close to filing chapter 13. I start grad school on Monday. My loans for the next six months have been awarded, not yet disbursed. Although I hate to incur additional debt considering I would...

Has anyone applied for a private student loan after bankruptcy? Were you successful? If so, can you say who granted the loan?

I'm trying to figure out if I can find a viable private lender for a small loan of a few thousand. Capital One isn't giving any kind of loans but mortgage and...

I currently owe $16,000 in 2 different loans at low interest (3.12%).
I pay a total of ~$150 per month. I'm planning on purchasing a house in the future and am contemplating paying off the loans first or saving for the down payment. I qualify for an FHA loan so I don't need a ton saved but still...