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dad's house.
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dispatch_theory | What is the best way to resolve your student loan debts? |
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 |
 
Derek M
|
Drop off "the grid", man...those things never go away!
...other than that -- there's always "lovers leap" |
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urbaba61
|
Bankruptcy is the last resort. It will ruin your credit for up to 10 years. Almost all creditors will work with you if you are willing to work with them. Give them a call and ask for their help in resolving your situation. You may be able to negotiate a lower monthly payment and perhaps even a lower interest rate. Consolidation is good, as that will lower your payment, however be careful of the interest rate and the length of time to pay. You may end up paying more in the long run than you would otherwise. |
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karinlovespooh
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Consolidate before July 1 and make your monthly payments on time! If you qualify for any cancellation programs, take full advantage of that. Teachers and nurses working in shortage areas are excellent candidates for cancellation of certain types of federal student loans. Do not file for any type of bankruptcy because the impact of that hangs around longer than the student loans. Although not optimal due to increased interest amounts, student loans (depending on the total amount) can now be paid back over up to 30 years (not just 10). Also, if in a bind, there are ways to temporarily put off payments (deferment or forbearance) due to financial hardship (or other reasons). Look here for more info: http://studentaid.ed.gov/students/attachments/siteresources/RepayingYourStudentLoansEnglish2003_04.pdf |
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muffie_2442
 |
PAY THEM OFF. |
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Valerie
|
Settle by making an offer much less than the debt. It works..
Get a settlement agreement and enter it with thte courts so it shows at resolved.
Bank will not work unless you end up totally disabled and on your death bed, it has been tried, you will not be able to banko on student loans. If so you are almost dead and who cares at that point. |
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geomoto
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The Old fashion way. Get a job flippin' burgers with your chemical eng degree |
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wldntulike_2know
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Consolidate and then pay. |
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James H
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All the info is here. |
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surreal_survivor
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what do you mean by resolve? if you went to school and took out loans you are required by law to pay them back. there are exceptions etc : fired, loss of job etc but you would have to speak with your lender. all school loans need to be repaid within a 10 yr period. i suggest you get in touch with your lender asap. |
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jaymuu22
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if your in default start sending small payments, to restore your eligibility for additional loans, you must make payments for six consecutive months, if youre returning to school. But look for a consolidation program and that will take 90-120 days before it goes thru. If you're in severe default they can offset your tax refunds. |
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Michael C
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Consolate them ASAP. And you can't get rid of them - you've got to pay the bizznitches off. So if you're hard-up, file bankruptcy on everything else and dedicate all your money to student loans. |
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