Hopelessly in Debt
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I made a horrible life mistake and went to college (ITT Tech) for an associates degree. Hopes were to get some good education and a nice job afterwards were I wouldn't have to struggle.

Well I got the Associates degree but the education was poor and the degree was worthless. I'm not in any better position doing similar work as to what i was doing before , barely scraping by. On top of this since getting that worthless paper degree I've been diagnosed with Type 2 Diabetes, Edema, Sleep apena and a number of other ailments and I'm currently falling behind in medical bills. Hell I got a small claims court case for some of them in a couple weeks. So when I mean broke I do mean broke I litter zero out my money every week and often have to ask help from relatives right now from time to time.

Yet now Sallie Mae between federal and private loans with them say I owe nearly $60,000 and I do believe I may have defaulted on the private loans for sure by now. I know it's only a matter of time before they come after me to garnish my wages. But I can't even afford to keep food in my fridge or power on at my place a lot of the time. I can't even afford health insurance. The last time I could stomach talking to those heartless people at sallie mae they said they no longer do consolidations. On their payments plans even the best one the "interest only" they have stated that the minimum they will except is like $350/month and thats only interest!!! There is no way I can afford this.

Reading up on student loans it seems those companies have weaseled their way into being pretty much untouchable and can just about do as they please. You can't talk to them as they do nothing but get nasty and threaten to take the very skin off your back. Last time I spoke with them and tried to explain my situation they actually suggested that I dont' make my rent payment or car payment.

I really don't know what to do at this point I know at some point down the line probably sooner than later I'll get something from them regarding garnishment or something nasty like that.


A student loan is hard but not impossible to discharge through bankruptcy. You will need to prove that the debt will "impose an undue hardship on you and your dependants". Most courts use the Brunner test to evaluate 'undue hardship'. You will also need to show that you have made 'good faith efforts to repay the loans'.

You will also need to file a petetion called adversary proceeding to get a determination.

Hope it helps.

Sub: #1 posted on Wed, 04/25/2012 - 22:06

jonheller83 jonheller83

(Posts: 65 | Credits: 9.18)

I have to disagree...it is next to impossible to have student loans discharged in BK.

Poster...have you consolidated your federal loans with the Direct Loan Consolidation program? That would at least allow you income based or income contingent repayment?

When did you attend ITT? Did you do research before you attended?? I collected back though out the 90's and we knew then it was a crappy school.

Sub: #2 posted on Thu, 04/26/2012 - 07:20

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(Posts: 17208 | Credits: 4746)

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