a student loan can ruin your life
STORIES: You are not alone with this burden. Many people are
struggling to find ways to repay their student loans. Here are some of
the student loan stories sent to me by people who have visited this
story is similar to mine!
I am waiting right now to see if they will dismiss my loan from 1987.
I had no GED or HS Diploma and my student loan ballooned to $16,000!
They have had my
dismissal papers since Feb. 5th and they say I will not hear anything
until around May 2nd. I am praying so hard that it is dismissed. This
loan has practically RUINED MY LIFE!
They take my husbands
tax refund every year and through an injured spouse form, he can get half
of it back. They waited over 20 years to start doing this! My husband
was so surprised last year when we got the notice that neither of us knew
about until we did our taxes.
I am sick of the
department of education. They had the nerve to call my landlady and ask
her if I lived here and wanted information on me. I don't think that was
right of them to do. I don't even know if that was legal for them to do.
I was 22 years old and had a 5 year old daughter and I desperately wanted
to have a good job to take care of her. I went to LAWTON Business College
and took secretarial courses. I signed a lot of papers and I don't remember
any tests or anything, but I do know that
I didn't have a ged or hs diploma.
The school was suppose
to place me in a job and guess what....... the school CLOSED! Now I know
when I went there, I didn't sign for a $16,000 loan it got that large
over 20 years.
I don't work I had
an injury in 2003 and can't, but I don't have disability yet, but it is
applied for. I was told you can claim to have a dismissal on disability
also, but I haven't heard anything about my claim on that yet.
If I were you I'd
try to get it dismissed again. There has to be a lawyer you can talk to
about this. Good Luck to all of us who tried to better our lives and got
smacked by the department of education and their rude employees.
enrolled in a computer programming school in 1987 and physically attended
for approximately 90 days of a 13 month program. For personal reasons
he had to take a 90 day deferment in August of 87 and was told by the
schools secretary to come back and re-start in November (he did NOT get
any type of deferment approval letter from the Dept of Ed which we NOW
know he should have!) When he returned in November the school had CLOSED
. There was no contact info on the door and he was unable to get ahold
of any school representative. Being a 24 year old “kid” he
went on with his life never anticipating that he would be held financially
responsible for something that was beyond his control.
Fastforward to 1997. He learned, in a not so nice way, he was still responsible
for his outstanding debt quite a few years later when he and his former
wife’s tax refund was unexpectedly intercepted.
He explained to the DEO & its collection agency representatives (repeatedly)
that the school had closed on him while he was on deferment but they were
adamant that he was still responsible for the debt and NEVER told him
he could apply for a discharge under the “closed school” premise.
His story has remained the same all of these years but he has no proof
because his personal paperwork is long gone and his records that by Missouri
law were supposed to be held at the Missouri Dept of Higher Ed (or other
approved facility) are conveniently missing. I believe his ongoing honesty
with the Dept of Ed and its representatives led them to believe he couldn’t
prove anything and that they had had him so they continued harassing him
and intercepting his refunds every year. In an act of defiance my bf stopped
filing his taxes in 2005. Not the smartest thing to do, but he was angry
and for him it was a matter of principle.
When we got together in 2010 his initial $4000.00 loan had ballooned to
$14K with the fees, 12% interest, and collection costs. I got him to understand
that no matter what happened this was NOT going to go away and he was
burying himself by ignoring the debt with the DOE and NOW with the IRS!!!
We began intense talks with the Dept of Ed and spent two years trying
to gather proof that the school closed. We have a few different websites
that mention the school closed in 1987 but the DEO says this isn’t
enough proof (go figure). We went ahead and filed for a “closed
school” discharge and also an “unpaid refund” discharge
which were both ultimately denied. The closed school application was denied
because the DEO records state the school officially closed in July of
88 which might be the official date on record but it was NOT the physical
date. We’ve been told by a DOE rep that unfortunately, inaccurate
school closure dates have been a big problem for students trying to qualify
for a closed school discharge. It seems to us that the closure date was
intentionally put off, by either the DOE or the school, to prevent students
from qualifying for a discharge.
As far as the “unpaid refund” discharge application he was
denied as well, on the grounds that the DOE records show he GRADUATED
in Feb of 88 (although in previous conversations with the DOE we were
told they show he withdrew a WEEK after he enrolled?!) We were absolutely
FLOORED when we heard these things come out of two different representatives
mouths! Especially because my boyfriend was only given a loan for the
first quarter of the program! HOW could he have possibly graduated the
following year without more student loans?! To make things even MORE shadey…
when we first went on the DOE student loans.gov website and looked up
his loan records he didn’t have a “status”. But after
receiving the unpaid refund denial we went back into the website and it
showed his status had changed to GRADUATED! What is going ON here?!
It makes me livid (but not as livid as my boyfriend) that NO ONE from
the DEO (not even our DOE ombudsman) will investigate the discrepancies
in his file or research other students that were attending the same year
to help validate his claim. Instead, they remain adamant that he has no
choice but to pay the money since he has no proof. We are certain that
someone along the line has falsified documents and likely on more than
one occasion! To this day we are still talking with the DOE and their
stance is still the same – “PROVE IT or PAY IT!” Isn't
that just like our system…. Guilty until you can prove yourself
innocent. I will NEVER, EVER recommend ANYONE to take out a student loan
after what the Dept of Education has put him through. Their lack of assistance
and obstinate behavior is inexcusable!
today, I have set up a compromise with the ombudsman to pay them a lump
sum settlement (my total 2012 tax refund and then some) to make this finally
GO AWAY …. Unfortunately my anger over the injustice of it all won't
be so easy to get rid of.
your story] [Loan Update] [Student
- last update:
March 31, 2013