The following are testimonials submitted to this site. To tell your story, please go here.

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David 

To make my story short I'll try to be brief.
I'm a disabled veteran rated at 100% service connected for several ailments. My doctor from the VA helped me apply for loan discharge under the disability act. Of course the dept. of education denied the request because they disagreed with my doctor's opinion.

I'm a registered nurse by trade. I live in Texas. My nursing license came up for renewal recently. It was denied when I tried to renew it. The Texas State Board of Nursing denied my renewal request citing my defaulted student loans as being the reason for denial. Of course when I contacted them about my loan forgiveness request and showed them the documentation from my doctor, their reply was simply: have Texas Guaranteed release your license for renewal. Even though the Texas Board of Nursing is the licensing agency, they can't renew my license unless another agency that has nothing to do with my nursing license releases it for renewal? Give me a break!

So, now that my loan forgiveness request has been denied, my livelihood has also been denied. They want us to pay them back but they want us to work at Mcdonald's to do it. That way they can keep collecting higher interest and collection payments.

This has to stop. There has to be a fair way to do this. The current legislation only singles out those that have professional or occupational licenses. What about all of the other defaulted loans whose borrowers aren't required to have a professional license? Are they going to pass laws  that deny anyone with a defaulted student loan any type of job? I know that sounds absurd but so is the current legislation.

They demand us to pay them back, and then take away our ability to pay by denying us our livelihood.

Are their any legislators out there who are listening?

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Kathryn 

I can only tell you part of my story, because my loans have been passed around so much that I have no idea how my interest accrued or what the costs are. Due to a failed business and serious clinical depression, I had to declare bankruptcy in 2002. I defaulted on my student loans, and now, after a couple of years of repaying, I am "rehabilitated".  The lapse in paying back these loans was no more than a year.  My Sallie Mae bill went from 42,000 to 58,000.  I just rehabilitated another loan (by the way, these loans should be rehabilitated with 12 straight payments, but somehow, they "forget" to send them off to another purchaser).  Following the purchase of this loan by a bank, I received a "paid in full" note.  The current amount I owe on this note is more than $10,000(remember I have been repaying for about 2 years now). The amount of my original promissory note? Less than $4100.  WOW, huh?

I won't bore you with the tales of my other student loans.  All told, I expect to repay them all by the age of 70, based on the payment schedule. Well, that's one way of keeping me from retiring and collecting Social Security.  (These debts were incurred when I was 35 years old, by the way.)

My, my...you would think these student loans would not be given to loan sharks, but...

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Rick 

Well like everyone else here I'm stuck paying huge payments with high interest all because of a dishonest salesman. I am 47 years old and decided that I needed some computer certifications for my job. A fast talking salesman sold me on a school that does nothing to help you get certifications but offers Sallie Mae financing. He said you'll never pay over 6% interest and payments are only $20. Well shortly after signing the documents I had severe heart problems and ended up having open heart surgery. Unfortunately I never went for any of the certifications because of my health. The school wouldn't refund my money and about that time Sallie Mae kicked in with $89 payments. Of course calling them was useless I've gotten better answers from a brick wall. Then at the first of this year interest was going up...I got on their website to lock my rate in, well the website didn't work. So I called and waited on the phone until I get the usual incompetent customer service rep on the phone who assured me that I had been  locked in...well I hadn't. Now my payments are over $100 a month and the original $3500 I borrowed is now over $8000. At this rate I'll never pay it off, I'd been better off to borrow money from a loan shark. At least if I didn't pay a loan shark he'd put a bullet in my head and put me out of my misery. Now I've found this site and realize I'm not the only one getting screwed by these guys. It's a sad, sad world.

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Kathryn 

I was an elementary school teacher when I decided to go to law school. I had gone through college on a full scholarship -- not to the college of my choice, but I didn't want to incur debt, so I accepted. With my background and drive, I wasn't concerned about taking out loans.My motivation stemmed from the reality that I was a single mom trying to make things better for my daughter and me.

When I finished law school, I got a job, but was laid off after 3 years. I opened my own practice, but after about 2 years, I slipped into a deep depression. Of course, I didn't realize this until someone grabbed me by the hand and told me I needed to speak to a therapist.  By then, I no longer had the ability to take on new cases.  I never neglected my clients, but I ended up taking cases with little or no financial value.

I lapsed into great debt.  I received no child support, even though I pursued it through legal channels. I put my daughter through college on my own, but I couldn't take care of my debts.  I defaulted on my student loans and declared bankruptcy.

Because of the bankruptcy and default, $10,000 was added to my outstanding loans.  I cannot buy a house.  I have no credit reputation. I have a very small 401k.  I won't be able to pay off this loan until I'm 70 years old.  Pretty bleak, huh?

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R.T. 

I've been fighting "alleged" defaulted student loans for years.  I've had an attorney on retainer and even flew down to Atlanta, GA in person to try and settle the matter with the Dept. of Education (DOE) and their Ombudsman.  I have very detailed records, for example, cancelled checks proving payments were made.  The DOE and their hired-gun collection agencies have never been able to provide any substantive back-up documentation to support their allegations, they have ignored my documents and their records never tie from one document to another.  Meanwhile, the DOE continues to steam roll along confiscating my tax returns to the point where I will have actually overpaid for the loans.  The only way I see to stop the DOE's ignorance is to sue them in Federal court, which will likely carry hefty legal fees.  While I realize there are many defaulted student loans, there are also a great number of loans that are not defaulted but for the DOE's screwed-up records management, or lack thereof.  Perhaps a civil suit is another measure.  In any case, something needs to happen in order to send a wake-up call to the DOE.  

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Witheld 

Returning to school to complete a BA and MA in my forties seemed a good idea at the time.  In hindsight, I was wrong. What was originally a 52K debt at graduation has escalated to 68K. Yes, I made payments; however, over the past four years there have been times of illness requiring the loan to be put into forbearance. Now, at age 51 and with declining health (but not declined enough for disability) I feel trapped and horrified that I'll never pay this loan off before I die.  My original goals of developing an investment portfolio in my fifties has been abandoned. At 51 I have no retirement or savings. (I was a single parent for many years. Every penny went to support us.) Can you see the dilemna? If I default, my social security will be denied and Medicare benefits too. If I default and attempt to build some savings instead of paying greater than 500 monthly, the U.S. government will seize/freeze those assets.

My parents reared me to pay my bills, to be an honest and upright person. Despite my upbringing, I want to run. Call me a quitter or loser or whatever. I've thought of fleeing to another country, or setting up some account in a country with ultra-secret banking laws. Am I crazy? Realistic?

I must sign off as I'm in pain. Thank you for any advice you can give.

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Greg 

My original debt from 1998 was $25,000. 8 years later I have a debt of $75,000. I am no banker or accountant, but I am assuming this will continue to triple every 8 years if I remain in poverty and thus in default. So am I correct that in 8 more years I may owe $225,000? That in 16 years I will owe $750,000; in 24 years, $2,250,000, and then at retirement time in 32 years I will owe $6,750,000? 6 Million plus? Haha. Now, of course, if this were any other form of debt that became this cancerous I could file for bankruptcy. Not for student loans though. At age 72 I may owe $20,250,000. Heaven forbid that I live to see my eighties. At age 88 I may owe $182,250,000.

I think we are just beginning to see how crazy this is going to get. If my math is correct, in ten years there are going to be a lot of impoverished people, people making less than $20,000 a year, who have these ludicrous million dollar debts.

My heart about exploded when I got the letter saying I owed $75,000. After I recovered, all I could do was laugh. It is so absurdly much that they might as well have told me that I owe a million bucks, and now, upon further reflection, it appears they will be telling me I owe them a million bucks in the not so distant future.

I wonder if people with unpayable student loan debt will due to accumulated stress, loss of work, and an inability to pay for medical needs in old age, have on average shorter lifespans than those who do not? This will make an intersting study in fifty years.

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Dustin 

THESE PEOPLE ARE CROOKS!

In the mid 80's, I decided to return to school to study Electrical Engineering.  I was poor, and I had always been poor, so my only option was to get financial aid, which included the now horrid student loans.  I was 30 years old at the time, apparently too old to qualify for any scholarships.

However, once I completed my degree, I quickly learned that no one would hire me.  I had to get a deferment on my loans, and then another.  Unknown to me, I was suffering from a form of Autism, which prevented me from being accepted by the so-called "professional" world.  Then, in the early 90's, something changed in the job scene, and I soon found that I could no longer get ANY work.  In desperation, I went to the State Department of Rehabilitaion (in California, where I was living at the time), but they said that there was NOTHING that they could do for me.  In the end, I was declared "Totally and Permanently Disabled" by the Social Security Admistration" and I was handed a monthly check for $500.

Meanwhile, unknown to me, my loans had been purchased by Corus Bank in Chicago.  Unfortunately, also unknown to me, Corus Bank was being investigated by the United States Department of Justice for filing false default claims, and generally poor record keeping (think "Enron").

Then, in 1995 the real trouble started!  At that time, I had one of the doctors in charge of my disability case sign the the required loan dismissal form.  I then sent the disability form to Corus Bank, as per their request, never knowing that it would disappear into oblivion.  In fact, a week later, I was reassured by one of their bank officers that "everything was taken care of".

However, because of the pending suit by the Department of Justice, Corus Bank was unable to submit my disability claim.  Even worse, no one at Corus ever bothered to tell me about this.  Instead, my claim was simply thrown into a pile, where it sat for the next 3 to 4 years!  Finally, instead of filing my claim with the Department of Education, they sold my loan to EDFUND, in Rancho Cordova, California.

 Of course, EDFUND would never buy loans that already had disability claims pending against them.  So, in 1999, Corus made my loans "backable", by simply feeding all of my disability paperwork into the shredder, including all records of correspondence and phone calls on this matter!  Once again, I had no idea that these illeagal activities were taking place; I still believed that "everything was taken care of".

Then, the nightmare began.  It all started with a phone call from EDFUND, when they told me that my loans had gone into default.  Not only that, but what had once been only $7500, had suddenly exploded to nearly $20,000!  At the time, I figured that this was just a simple clerical error, so I proceded to tell them about my disability.  To my shock, they refused to listen!  I then tried to send them copies of my disability paperwork, but they refused to accept them.  To say that I was "guilty until proven innocent" would be an understatement.  I was considered "GUILTY, period!", with no rights to present my own defense.  Corus had claimed that I had NEVER filed for disability, and that was the ONLY testimomy that EDFUND would accept.

All the while, I never knew that I was dealing with a PRIVATE company, rather than the Department of Education.  From the very beginning EDFUND had passed themselves off as a governemnt agency, rather than a "non-profit" corporation.  Only though my own research, did I learn the truth.

This nightmare has continued ever since; 7 LONG YEARS.  In that time, I have been harassed by one collection agency after another.  It just keeps getting worse and worse.  In fact, now, the threating phone calls are literally coming EVERY day, and sometimes, evem twice a day.

I have tried everything to clear up this matter, including asking my local congressman for help.  Of course, he couldn't be bothered, and his office wasted a year-and-a-half of my life, while they tap danced around the issue.  I have also written to numerous organizations, from AARP, to CNN, to the ACLU, all with no response.  I can't even get access to "due process", a right supposedly guarenteed to me by the Constitution.  No lawyer will go near a "student loan" case, and yet, even with an income to meager to garnish, I am not allowed to dismiss this through bankruptcy.  What the hell is going on?

To me, this is no longer about the effing money; THIS IS PERSONAL!  I have vowed to fight this to my dying breath, and to ensure that they never get so much as one dime of my income.  If fact, after the hell that they have put me through in the past 7 years, I feel that they should be paying damages to me.

Yet, the government has put some kind of magic curtain around student loans.  I would have better luck getting access to the Pentagon.  THIS NIGHTMARE HAS GOT TO STOP!  How are they allowed to get away with this?  Is it that our elected officials don't care, or do they just hate poor people?

Please, tell me that there is some kind of organized movement to fight this.  If there is, I would be more than happy to lend my support.  In fact, I would be willing to make it my life's work!  I will even join any protest marches on Washington, though someone would have to help me with transportation.

     KEEP FIGHTING BACK!

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Margaret 

My son borrowed money on a student loan approximately 19 years ago and the school went bankrupt shortly after he finished and didn't complete their obligation to help him seek gainful employment.  Time passed and he was strapped for funds to pay this debt and 3 children later, he was having a hard time making enough money to support the children.  These people have harassed him and now they have filed a Federal Lawsuit against his employer for not garnishing his wages and I have been receiving calls from their collection agency.  He is getting a divorce from his wife and has the 3 children to support, he was advised to ignore these collection companies.  I always heard in the State of Texas only the IRS, Child Support and Spousal Support could be garnished from your wages.  Please advise me what his legal rights are....The collection company that has it now told me today they would send out forms immediately and he was to sign them and return them to them to be put in a hardship category but I can't find out if the Federal Lawsuit aginst his employer includes the amount this new collection agency is also trying to collect....Please advise

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Michael 

I went to school at Iowa State from 96-99 and then dropped out due to not having enough money to continue. Curing that time I accumulated $19,586 of debt in loans. During the summer of 99, I moved to new Orleans for a good job offer. Having my mail forwarded from my off campus apartment that I was living in during the last year I was there. During that time, I never received any type of notification or anything about my loan payments that were to start or anything from the student loan folks. After about 6-8 months, still nothing and honestly, I just forgot about it.

In the spring of 2001, I went to purchase a new car and got denied for credit. I asked for a copy of my credit report afterwards because I had perfect credit to that point and here are a huge list of defualts from the student loans. I called the student loan people. They still had my address as the original address when I moved to college that I only lived in for a semester. This is even though my dispersements and all of the other paperwork had been going to the correct address for over a year by that point.

I get in contact finally with the collections group that had my account. In talking with the collector, he promised that after 6 on time payments that the records would be removed from my credit scores. The catch was that I would have to make a $1000 payment first and that didn't count into the 6 payments. I accepted and also the balance went from the original $19,586 to $25,817 + $1000 for a total of $26,817. This is all in the matter of 16 months from the time the original first payment would be due.

During this whole time, I still never gotten any type of notifications or anything of when my payments were due or that I was in default. The kicker about the whole thing is that the defaults still appear on my credit report even though I've done everything they asked. I called them many times to get the items removed averaging 2 a month. I finally got them removed from my Transunion and Equifax reports but they still remain on my Experian report pulling down my FICO scores over 70 points on my Experian scores. During this whole process, I feel robbed by my government. I've paid almost $10,500 back over the last almost 5 years and only $3112 of that was principal. If it weren't the government, That would be considered fraud and theft.

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Stephen 

I borrowed $44,000 from the Access Group to go to law school. Since I went to law school at an older age, 45, I was uanble to find a job at a firm. Law firms simply wont hire older newly licensed lawyers.
The access group sent me paperwork to ask for a forebearance. I filled it out and within a matter of days I started receiving harassing calls from an outfit called Diversified Collection Services from Livermore, Ca. This outfit apparently has it in with numerous politicians and is now collecting for the I.R.S.
I am trying to get a law practice off the ground and I am struggling. I cannot pay these poeple right now but they are harassing me constantly and are now calling the people I lease office space from demanding that I call them. They turned down my forebearance and I dont think it was ever given any consideration.

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Robert 

In 2001-2003 10,000 was garnished from the IRS from my bank account and transferred to the dept of education. I just received a bill from a collection agency representing the Dept of Education for another 9700.00. This loan was payed off in 1992-1993. I did not hear from them again until they took money due me that was garnished by the IRS. I am 49 years old and do not have a retirement. These amounts have been removed from my credit history after a long 7 years of harassment. I am now in the process of Bankruptcy.

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Sean 

I graduated from Westwood College of Aviation Technology in Broomfied CO. I was offered a loan from Wells Fargo called a P.L.A.T.O loan. When I took out this loan to payoff the school I was told this was an easy way to pay for school. I and my Mother the co-signer borrowed 7,000. We have paid on time for 6 years at 72.00 a month and our balance is higher than the borrowed balance. We would like to know why after 6 years this is paid down not a cent?. If the payment is 1 day late they report. I work in the car business and I am a Finance manager and even I know that after 6 years this should be paid down and you do not get a 30 day until 30 days?

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Sarah 

I borrowed 3 $4,000 loans for my child to go to school.  She was unable to help pay them back.  I went blind two times and had 9 major eye surgeries and was unable to work. My $12,000.00 debt is now unbearable and the only way it will ever get paid back , is if I die.

I have tried to get it reduced. I have tried to work with them.. But no one cares.   What can we do. ???????????????

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Michael 

I too owe more money to student loans than I will ever be able to pay back in my life time.  In 1998 I decided to enter college and acquired a $26,000 student loan payment.  Unable to find employement to pay the monthly payments I went back to graduate school in order to pursue an MBA hoping to find employment which would pay a salary high enough to make the student loan payments.  Well, now I owe $80,000 and will graduate in February with an MBA.  Unfortunately I still do not make the income necessary to pay the loan payment and I have no options.  From my understanding, you cannot file bankruptcy for student loans and they will hunt you down till your dead.  I say we open up a student loan organization.

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Briss 

MI took out a a student loan with Sallie Mae in 2002 for $8000.00 for my education. My payments were suppose to be $110.00 a month but each month the payment is different. I still am not working but that doesnt matter to this company all they want is their money. I had to get a co-singer to help me get this loan and he was suppose to be on this loan for two years and that was all. Well that time limit is up and Sallie Mae will not take him off this loan. I fell behind when this got rough for myself and my husband and they did not understand that at all. All they wanted was their money. I have them on my credit and i am unable to get any job that can help me. When my credit is run they laugh at me and tell me that I am not suited for the job. I owe Sallie Mae company now almost 10,000 on an 8000 loan. How can this company get by with this kind of robbery. Working people can not pay this kind of instest on these loans. If I make these payments on time my children do without alot of times, but if I dont make these payments it goes against me.

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N.R. 

My story is the same as almost all the others. I graduated podiatry school in 90 followed by 2 years of residency. I borrowed 80,000.  When I started working I was immediately told to pay over 1000/month or else it would not even cover the interest rate. Since that was not possible in the beginning, I paid a nominal amount of 500/month. Soon, I was in default and told that if I could not pay over 2000/month, I would never be able to pay the amount back. To date, the loans have blossomed to over 400,000. At one point following divorce and raising children, I had a job making 2200/month. The loan people garnished my wages when I told them I could not pay the 3000/month that they wanted. They were very aware of what my monthly income was but just did not care. They hounded me night and day at my job regardless of the fact that letters were written to them about the illegality of their pursuits at my place of work. 

At several points along the way, I have taken my case to three separate lawyers. No one can offer any reasonable advice. A family member works for a mortgage company and she said she had never heard of any lender not desiring to clear up a unrecovered debt such as mine through settlement. I have been able to settle every account since my divorce save the student loan issue. I have come to the understanding that ONLY a settlement will ever cause this to go away unless a group of us can form a strong unit and go after these people ourselves. It would be a great service to many people if this injustice could be addressed. I have read many of your accounts and I have been treated at least as bad as the majority of you with extensive notes taken as to date and time of the offensive debt collectors. I have heard of people being able to settle with these shisters.....but to date I have not been able to manage it. If anyone has any advice, I welcome it!

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Darren 

I took out a 4800.00 loan in the late 80's. I had child support and financial obligations that made me have to put off school. I was told if I went into the military I would be deferred from payback until I got out of the service. My recruiter was supposed to sign and send the paper that I gave him from the school. He said he would do it but it apparently never got done.

When I arrived at my duty station in Germany a collection agency started calling me to collect the debt. I had my Officer in charge Capt. King call and tell them I was in the Army therefore I was deferred. They said that's fine just send a payment and that would give them time to straighten out the situation on the deferment. Collection notices resumed shortly after the phone conversation. I called many times later and they told me tuff luck - no deferment - pay. At this point I felt they were not holding up their side of the bargain. I got an honorable discharge from the Army and decided to go on with my plans to finish my education. This is the point the student loans did more to hurt my education than help. I did the right thing. I went into the Army to continue my education and earn the money through my Army college fund to pay for school myself. It was the hard way but for someone of low income it was one of the only right ways to proceed.

I started school as soon as I left the Army but was recalled for Desert Storm. When I returned from recall I started my first semester at Temple College. I was given a grant my first semester back at school. It was later determined I had to pay back because of my illegally declared default by the loan company. I was then denied all loans, grants and aid even though I qualified. I still persevered and continued my education because I felt it was the key to a successful life. I paid for school by working and my earned Army College Fund. I excelled making good grades and became the photo editor of my school newspaper at University of Texas at El Paso. I then had to quit school because I ran out of Army college fund money. I was 17 credits away from my Bachelors degree.

My illegally defaulted student loan is directly responsible for my failed education. The reason that I did not get my degree was money. I missed out on $15,000 in grants that I qualified for but was denied due to this illegal default. I then tried to use the Texas Hazelwood act which states free tuition for honorably discharged veterans to Texas state schools. I found the state legislature took it away from those considered defaulted on student loans.

I wrote my congressman Chet Edwards who intern forwarded my letter to the Dept. of Education. I said that I could prove I was deferred by either being in the Army or in school for 7 years they had me in default. The Dept. of Education wrote back and said its not our (Dept. of Education) fault that deferment paperwork was not filed you need to talk to the Army about that. They would not even consider the evidence.

Over the last 15 years I have talked to countless government agencies, collection agencies and even my congressman. I feel I owe the principal loan before being illegally defaulted. The reason I haven't paid thus far is a matter of principle. I was told what I had to do to be deferred and I held up my end of the bargain. I borrowed out $4,800 they now say I owe $15,000. I am willing to pay the amount prior to the illegal default. Thus far I have found no help or hope.   
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Anthony 

I grew up as a ward of the state.  Of course, I had to borrow money to go to college.  I wanted the American Dream.  I finished my Bachelor and Master's degree.  I then went on to my doctoral studies.  I am in debt to Sallie Mae for over $150,000.  This does not include the interest or penalties.  There is absolutely no way I can afford to make the $1,500 per month payments that are required.  This will affect my credit history for the rest of my life.  I should be the poster child for reasons to not go to college.

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Yasmin 

On 1988, I was recruited by a trade School in Tulsa oklahoma with the promise of of a job with the major Airlines. The recruiter enrolled me on Avionics.  Which I did not know what it was but it sounded good, This type of trining did not lead to any job with the Major Airlines. At the time of graduation most airlines wanted military experiance and most required to take an aptitude test. (I did not have any aptitude for technical field). Whit already a large debt, with already a large debt ; I was force to take another training (Airframe and Powerplant).
The total cost, for the technical degree is still obcure, The school bill was $28,546, the on another note dent from the school was $29,083.80 , As per Sallie Mae was $33,712.(When I enrolled in this school my English was poor,I just did not realize the magnitude of the problem that I was in).

The most frustrating part of all of this mess for me is that i discover to late that some community College offfered the same kind of technical training for about $2,500.00 After all this training and $30,000.00 plus debt, on January, 1992 I obtained a job in Avionics at $5.25 per hour.
And after many rejections from the Major Airlines, and relocations  I final secure a job with American Eagle Airlines 04/93. During this harship USA Group, Sallie Mae mafia just love it. In September of 2002, I was in default statut making payments of $440.00 per month the last letter I receive from EDS (Sallie Mae)  total amount due was $70,623.69 plus a collection cost of 19% was added (capitalized) and interest balance due upon rehabilitation.

As I wrote to our Congress Senator " The Honorable Senatot" Kay Bailey. How can Sallie Mae (EDS INC)rehabilitated any body when inflict this excessive ?  Instead of rehabilitation my family and I are facing eternal and involuntary servitude to debt, I also stated that my family Bill of Right Amendment VIII( Bails, Fines and Punishment)as well Amendment XIII Section One (Slavery or Involuntary Servitude) are being violated.  I requested a meeting with the senator, but I was ignored, problably her Secretary said that there were many people with the same request.

I received many calls from Sallie Mae to reconsolidate my debt, however I know they just were trying to renew the contract and involved my husband in the debt, so I refuse to consolidate and sign any other document, and I quit paying, I also ask to please garnish my pay check. It took them about one year to garnish my paycheck. (They probably waited the longest possible to inflict more debt. I also requested a meeting in Washignton before garnishing my paycheck. but nothing happen. AS of 5/8/2006  the keep on garnishing my salary, and they have not send me a letter with the latest amount due. I have not received any letter from Sallie Mae since 2003.
I will not enter in any contract with Sallie Mae, I have to children and paying Tomorrow tuition Fund, however , it may not be enough to cover the cost of school, and that is the only thing I fear in my life.

And just a final thought...

Most people that come from Europe and Asia are very well educated Doctors, High Tech Administrators, etc. The universities are for the most part free, and available for everybody.  After all the taxes we have to paid we all should have free ed