What resources exist to fully inform student loan borrowers in default of all rights and options? This feels like Me vs. World.

Asked 6 months ago - Santa Maria, CA

Due to a period of chronic unemployment/underemployment I had to move several times while keeping my student loan debt in forbearance. After a move in 2007, I forgot to inform the loan holder of my new address and forgot that I needed to re-file for forbearance. Two years later, I got hung out to dry, with the subsequent years spent being harassed by debt collectors who presented only the remedy of "consolidation" of a loan on which I am already unable to pay even the interest. The amount I will then owe is nearly DOUBLE the amount I currently owe and they want to also pile on an extremely generous collection fee of nearly $20,000. I should mention that I borrowed the money to pay both school and living costs while I did my student teaching, an unpaid, "half-time" internship.

Additional information

I put "half-time" in quotes because while the classroom time required was half that of full-time teachers, I had two "preps", meaning I had to prepare curriculum for two separate classes and I dedicated myself to the development and implementation of a completely original form of classroom management employing Roberts Rules of parliamentary procedure to run the class. The students ran the class by motions, nominations, and votes. I took myself almost completely out of the discipline role to moderate and lecture for their class, which they had to ASK me to do through a vote to get the information they needed for their class tests (grades) in beginning and advanced debate. It was a great experience, made possible only through the loan, which the students overwhelmingly benefitted from and appreciated. I have been punished for it every day since. Also since that year: the decline of public speaking and debate classes taught in our schools. From where will our future lawyers come?

Attorney answers (1)

  1. Daniel Tam

    Contributor Level 16

    Answered . The National Consumer Law Center has put together a great resource at http://www.studentloanborrowerassistance.org. Start there. But please don't fall for any of the student loan debt relief programs constantly springing up these days. You'll end up in worse shape than before.

Can't find what you're looking for? Ask a Lawyer

Get free answers from experienced attorneys.


Ask now

27,511 answers this week

2,936 attorneys answering

Ask a Lawyer

Get answers from top-rated lawyers.

  • It's FREE
  • It's easy
  • It's anonymous

27,511 answers this week

2,936 attorneys answering