Fiona432 asked:


I’m a recent college graduate with a steady income and a student loan that is not in default. I’m looking to lease an apartment, and I heard that landlords are not allowed to count student loan debt against a person when evaluating their credit and debt. Is this true?

Stephanie

anonymous asked:


I am going back to school and I have accumulated alot of debt from school loans. Do they look at school loan debt the same as any other debt? Will my credit and income play a big role and make up for all the debt?

Edna

Uzair Arshad asked:




Debt Settlement programs are helpful for you to reduce the hardship of all your financial difficulties. Student Loans can also be settled down by negotiation. Every one,who acquires any education loan, intends to repay loans. But sometimes after the end of study period, we find the debt amount different than we bargained for.

Then student debt settlements programs can help you. Through these programs you can get more money for paying your educational obligations.

Unsecured Debt

College loan is considered to be an unsecured debt. Although Federal student loans are also the unsecured one, but they are almost impossible to settle. As a student, you definitely want to get big college degrees. And many people owe thousands of dollars for their study completion.

When amount of loans goes beyond the capacity. Then naturally, these people seek for study loan debt resolution settlements. There are also many persons who started their course after getting loans but did not come to a fare well. These people also want debt resolution settlement.

Student loan debt resolution settlements are not made for persons to default on debts.If a student can pay his obligations through reliable resource. Then he should do the same. the best way to tackle with your student loans is to consolidate them or refinance it through any company.

Student Loan Debt Settlement Companies

Debt Settlement Agencies mostly have the experience of working with credit cards companies. They have well knowledge of dealing with such loan matters. So you should consult them and negotiate with them. Make sure that all the points are clear on both sides. You must know what you are signing and whether they are really willing to settle your loan. Many companies are also there which offer student loan forgiveness plans. Consider them too.

Jill

Cute Little Mouse asked:


was it easy to pay off?

Lucille

Heather asked:


I’m single without any kids.

Phyllis

Max Bellamy asked:




Student loan debt may well be a low interest debt and many people argue that it is tied on to an asset that steadily appreciates but the truth of the matter remains that it is indeed a tough payment to make month on month at the outset of your career. There is some good news however because there are now a number of smart strategies that you can use in order to push down your bill. With some wise decisions you can even be in a position to pay off your loan well ahead of the scheduled time. This could help you to free up your cash for other long-term goals that you may have in mind.

In order to erase your student debt loan you might want to keep a few steps in mind. The first of those steps would be to consolidate your loans. Today we find ourselves in an environment that has favorable interest rates to offer. As a result anyone who is looking to eradicate their student debt should first seriously consider the option of loan consolidation. This move will allow you to wrap up your existing federal loans into one single loan that has a low interest. The extra savings that you make can then be applied towards the principal amount on your loan. This could really help you to put your debt behind you much faster.

Another step you might want to give good thought to would be building up a nest egg. It is advisable that you get creative with some kind of long term tool for savings. Roth IRAs would be a good way to start as their earnings grow in your account tax free.

The third and very important step to erasing your student debt loan would be to use to your advantage every kind of tax deduction that is available. Then you can apply whatever savings you make towards your loan repayment and thus be in a more comfortable position. With a few wise decisions and some frugal spending habits you can be successful in erasing your student debt loan at the earliest.

Suzanne

alextreerat asked:


I got a letter saying that because i defaulted on my loans, that the Treasury Offset was going to take money from me to pay the loans back.

I understand that they’re likely going to take away from my income tax return, but will I at least have my regular income ie..my weekly checks from work to pay my bills and to eat?

Thanks.

Adrian

SadToday22 asked:


Just curious!

Beverly

markus2004 asked:


I was dating a girl for 5 months who was really quite wonderful until I came to the realization that she was $100,000 in student and car loan debt (75k student/ 25k car). She obtained her Master’s in Social work at an expensive school and a job which was spiritually beneficial but not financially helpful. Being 30 and having goals to want to live in a house someday I felt like the only way to help things move forward in the relationship was to get a 2nd or 3rd job to help her pay down her debt and/or for her to live with me rent free. In the meantime, she was responsible in paying down the debt with minimum payments but spent her excess cash on coffees, massages and eating out which made me think perhaps we had different philosophies on spending. While debt can’t ruin your life of having some instant gratifications im interested in understanding how couples function with the burden of student debt lingering over them if they aspire to have a family and a buy a condo in California?
Additional Details: I have my Masters in Electrical Engineering and am blessed to have made choices that allowed me to have no student or credit card debt. Is it common for couples to break up over debt or is love the stronger factor? How do couples sacrifice their personal goals (house and family) and stay with each other in the face of student debt they get into to fulfill their occupational dreams?

Carol

S M asked:


Can student loans affect spouse income? What if I got married in a differnt country? Will student loan still recognize marriage?

Florence