My husband and I filed together, we've been discharged for awhile now. His credit score seems to keep getting higher and mine is still the same. Also we applied for credit cards to build credit and he get approved for more then I do? Does anyone know why that is? I'm starting to get frustrated. Does...

THE SHORT STORY:
I've already finished my taxes this year. My tax return's current status shows that an offset has been applied and intercepted my tax return. USA FUNDS sent me a letter stating they have sent a request to the government to cancel the offset since I just consolidated my loans and...

Greetings, Everyone!

As I was researching about student loans POST CH7, I came across this from NOLO:

"There will be no arrears at the time of reactivation."

I really hope this means what I'm thinking. Does this mean that even if I was a couple...

I am in Michigan. I have student loans, which are in default, from years ago. I haven't worked in a few years. This year I am working but not making much. I have been contemplating filing BK for a while. If I file bk before or right after I file taxes next year, would my taxes still get taken for my...

Since filing for Chapter 7 Bankruptcy pro-se in December, I was under the understanding that an automatic stay entered into place whereby a creditor is required to cease collection efforts against me. Since that time, I have been receiving non-stop calls and letters from Sallie Mae and their guaranty...

We are 24 months into our Ch. 13 with 3 years to go. My husband was in school for his Masters when we filed. Our plan is actually very, very accommodating and we are able to put a nice chunk into savings each month, and I planned to make the payments outside the plan when I thought they would be between...

"The Eighth Circuit Bankruptcy Appellate Panel upheld a lower court’s ruling discharging $204,525.00 in student loans, despite the lender’s argument that the debtor could have continued her education and sought higher-paying employment as a chiropractor.

Shaffer v. U.S Department...

I am highly confused, as I usually am by the time I decide to ask you guys question.

Okay so, I have paid attention on the forum and I know that student loans are not dischargeable in chapter 13 bankruptcy unless you can prove undue hardship.

But I was wondering if that...

Husband has 1 rental foreclosure property (payment approx. $900 mo., it was our primary residence 3 years ago but husband had to relocate from Minnesota to North Carolina. We rented it out to 3 different renters. Each of them lost their jobs. We now rent out for just a small payment ($325) and...

I have known for a while that I will need to file chapter 7. I had a medical condition with my kidneys that just racked up thousands worth of medical bills. I can't pay it. It's been about 4 years now. I live in Minnesota, and they sue (and arrest you if you don't show to court, despite never being...

I'm reaching the end of my 3-year unemployment deferments on Federal loans (Parent PLUS) for my 2 children that I began borrowing in 2004 and ended in 2009 when I was laid off.

I'm still unemployed and in my mid-50's. I'm married and the loans are in my name only.

My wife...

Hi!

So, I owe about $175K in student loans, $28K of which are private. Am current with loans (was continually deferring feds or paying $50/m). I was discharged from Ch.7 in Sept'10 and we filed an adversary proceeding to try & eliminate or reduce my student loan debt. I have a good...

I will try to keep this as short as possible. I really need some sound advice because I am literally waking up in the middle of the night because I am so worried about this.

First a little back story:
My name is Tasha, I'm 22 years old, I work as a CNA (10 dollars per hour),...

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,...