Thursday, 14 August 2014

Posted: 24 Jul 2013 08:43 AM PDT

3:12-ap-03171 – Davidson

This loan was incurred to pay tuition and expenses for the Debtor's participation in Co-Active
Coach Training Program and Co-Active Leader Program at the Coaches Training Institute (hereinafter "CTI").

After completing CTI's Co-Active Coach Training Program Debtor had her doubts about the quality of the program because a large portion of each seminar was devoted to selling the "students" attending the "class" on purchasing additional classes from the "school", which is how Debtor ended up purchasing her second program from CTI, the Co-Active Leader Program.

Debtor's participation in the program was officially terminated on or about February 27, 2009, and confirmed in writing by a letter to CTI.

Defendant's Claim Does Not Meet Definition for Exemption Under §523(a)(8)

Despite having paid $941.26 in interest on the Defendant's loans in 2009, $769.20 in 2010, and $1084.84 in 2011. Defendant's loan servicer has informed Debtor that her loans were "ineligible for a tax deduction" see EXHIBIT A, attached hereto.

Upon further investigation by Debtor's attorney, Debtor does not believe her loan to the Defendant meets requirements for the exemption from discharge provided under §523(a)(8) of the Bankruptcy Code.

Specifically, Debtor does not believe that her loan meets the definitional requirements for exemption because she does not believe the loan was made for "qualified higher education expenses", that CTI was an "eligible educational institution," and does not believe that she was an "eligible student" as those terms are defined by 26 USC 221(d) which is referred in §523(a)(8)(B) for the discharge of "qualified educational loans." – Source

Results

Sallie Mae loan is fully discharged in bankruptcy. – Source

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Not All Student Loans are Alike

Granted, it is more difficult to discharge student loans in bankruptcy. But loans which were used for training or some types of education at organizations that were not eligible financial institutions may not be classified as student loans in a bankruptcy filing.

For a loan to be qualified as a "student loan" it must:

For a loan to fall with this section, (1) it must have been made under a government or nonprofit student loan program, or (2) it must be a qualified educational loan under section 221(d)(1) of the Internal Revenue Code, for attending an eligible education institution as defined in section 221(d)(2) of the Internal Revenue Code, and incurred for costs of attendance as defined in section 472 of the Higher Education Act.

As bankruptcy attorney Craig Andresen says, "For example, perhaps you were not an "eligible student" at the time the private student loan was made to you; or maybe the loan was not incurred to pay "qualified education expenses"; or perhaps the loan was not for attendance at an "eligible education institution" because the school was not accredited under Title IV of the Higher Education Act. All these are requirements imposed by section 221(d) of the Internal Revenue Code. Failure of a private student loan to meet any of these criteria means that the loan is fully dischargeable, because it would not qualify under section 523(a)(8) of the bankruptcy law." – Source

What These Dischargeable Loans Look Like

Let's look at those section that describe what an "eligible education institution" or "qualified education loan" really is.

According to this bankruptcy code section the loan may not be automatically discharged:

(8) unless excepting such debt from discharge under this paragraph would impose an undue hardship on the debtor and the debtor's dependents, for–

(A)
(i) an educational benefit overpayment or loan made, insured, or guaranteed by a governmental unit, or made under any program funded in whole or in part by a governmental unit or nonprofit institution; or

(ii) an obligation to repay funds received as an educational benefit, scholarship, or stipend;

(B) any other educational loan that is a qualified education loan, as defined in section 221(d)(1) of the Internal Revenue Code of 1986, incurred by a debtor who is an individual;

221(d)(1) & (2)

Let's look first at what section 221(d)(1) says:

d) Definitions
For purposes of this section—

(1) Qualified education loan
The term "qualified education loan" means any indebtedness incurred by the taxpayer solely to pay qualified higher education expenses—

(A) which are incurred on behalf of the taxpayer, the taxpayer's spouse, or any dependent of the taxpayer as of the time the indebtedness was incurred,

(B) which are paid or incurred within a reasonable period of time before or after the indebtedness is incurred, and

Such term includes indebtedness used to refinance indebtedness which qualifies as a qualified education loan. The term "qualified education loan" shall not include any indebtedness owed to a person who is related (within the meaning of section 267 (b) or 707 (b)(1)) to the taxpayer or to any person by reason of a loan under any qualified employer plan (as defined in section 72 (p)(4)) or under any contract referred to in section 72 (p)(5).

Section 221(d)(2) says:

2) Qualified higher education expenses
The term "qualified higher education expenses" means the cost of attendance (as defined in section 472 of the Higher Education Act of 1965, 20 U.S.C. 1087ll, as in effect on the day before the date of the enactment of the Taxpayer Relief Act of 1997) at an eligible educational institution, reduced by the sum of—

(A) the amount excluded from gross income under section 127, 135, 529, or 530 by reason of such expenses, and

(B) the amount of any scholarship, allowance, or payment described in section 25A (g)(2).
For purposes of the preceding sentence, the term "eligible educational institution" has the same meaning given such term by section 25A (f)(2), except that such term shall also include an institution conducting an internship or residency program leading to a degree or certificate awarded by an institution of higher education, a hospital, or a health care facility which offers postgraduate training.

I Know This is Boring But Keep Going

According to the code, schools that are able to be discharged DO NOT meet the following criteria in section 472 of the Higher Education Act of 1965, 20 U.S.C. 1087ll

(a) Institution of higher education
For purposes of this chapter, other than subchapter IV, the term "institution of higher education" means an educational institution in any State that—

(1) admits as regular students only persons having a certificate of graduation from a school providing secondary education, or the recognized equivalent of such a certificate, or persons who meet the requirements of section 1091 (d) of this title;

(2) is legally authorized within such State to provide a program of education beyond secondary education;

(3) provides an educational program for which the institution awards a bachelor's degree or provides not less than a 2-year program that is acceptable for full credit toward such a degree, or awards a degree that is acceptable for admission to a graduate or professional degree program, subject to review and approval by the Secretary;

(4) is a public or other nonprofit institution; and

(5) is accredited by a nationally recognized accrediting agency or association, or if not so accredited, is an institution that has been granted preaccreditation status by such an agency or association that has been recognized by the Secretary for the granting of preaccreditation status, and the Secretary has determined that there is satisfactory assurance that the institution will meet the accreditation standards of such an agency or association within a reasonable time.

(b) Additional institutions included
For purposes of this chapter, other than subchapter IV, the term "institution of higher education" also includes—

(1) any school that provides not less than a 1-year program of training to prepare students for gainful employment in a recognized occupation and that meets the provision of paragraphs (1), (2), (4), and (5) of subsection (a) of this section; and

(2) a public or nonprofit private educational institution in any State that, in lieu of the requirement in subsection (a)(1), admits as regular students individuals—

(A) who are beyond the age of compulsory school attendance in the State in which the institution is located; or

(B) who will be dually or concurrently enrolled in the institution and a secondary school.

For purposes of this section and section 1002 of this title, the Secretary shall publish a list of nationally recognized accrediting agencies or associations that the Secretary determines, pursuant to subpart 2 of part G of subchapter IV of this chapter, to be reliable authority as to the quality of the education or training offered.

To make things easier, The Department of Education maintains a list of institutions online which you can search. Search Here

This would be the first place to look to see if the school you attended is on the list. In the examples I provided earlier, neither training provider is found by searching.

If the school you attended IS NOT found by searching the list above then that would be an initial clue your private students may be fully dischargeable. You should discuss this with your bankruptcy attorney.

You can click here to find a local bankruptcy attorney and talk to them for free about your specific situation.

Just Because a School Offers Loans They May Still be Discharged

Here is an example of a school which is offering Sallie Mae SLM Financial loans to pay for flight training. Silverhawk Aviation Academy says, "Silverhawk Aviation Academy is one of only a handful of helicopter schools who is very fortunate to be able to continue to offer SLM Financing to our qualified students for their flight training loans.

The Sallie Mae Smart Option Student Loan® is an ideal solution for students who still need funds after they have maximized free money and federal loans. With this loan, students can borrow up to the full cost of their education, less other aid received." – Source

As of the publication of this article Silverhawk Aviation Academy is not on the list of accredited schools from the Department of Education.

Or how about TekSeekers IT Training. This company says students can apply for a technology training loan through Sallie Mae SLM Financing but they are not on the list either. – Source

SLM Financial

To confirm my findings I went and looked at loans included in 2011 bankruptcy filings for SLM Financial and sure enough, more discharges were granted for non-eligible institutions.

3:11-03295-tmb – Brown

The loans alleged in Paragraph 4 were to "WINGS/CASCADES-SPIRIT FLT", with Sallie Mae School Code 6012170000. This flight school is not (and was not at the time of the loan) an eligible education institution within the meaning of 26 USC 221(d)(1) and (2). The fact that the student loan in question was not to an "eligible education institution" under 26 USC 221(d)(1) and (2) means that the debt is not "qualified education loan(s)" under 11 USC 523(a)(8)(B), and therefore is dischargeable. – Source [The school was "Wings of the Cascades Spirit Flight"]

Results

Plaintiffs are indebted to Sallie Mae pursuant to the applicable terms of one (1) Career Training Loan Promissory Note ("Promissory Note"), disbursed on January 3, 2007. As of October 11, 2011, there was a balance due and owing under the Promissory Note, including principal, interest and fees, in the amount of $42,693.09.
Plaintiffs' liability on the debt owed to Sallie Mae, arising from the Promissory Note referenced herein above, is hereby rendered dischargeable upon the grant of a general discharge in the Plaintiffs' main bankruptcy case. – Source

But Don't Lose Hope Yet

If your school is on the list some of your private student loans may still be discharged if they were used for expenses that were not "qualified higher education expenses." That part of the student loan may and should be discharged.

A qualified higher education expense is defined as:

(3) Qualified higher education expenses

(A) In general

The term "qualified higher education expenses" means—

(i) tuition, fees, books, supplies, and equipment required for the enrollment or attendance of a designated beneficiary at an eligible educational institution;

(ii) expenses for special needs services in the case of a special needs beneficiary which are incurred in connection with such enrollment or attendance [2]

(iii) expenses paid or incurred in 2009 or 2010 for the purchase of any computer technology or equipment (as defined in section 170 (e)(6)(F)(i)) or Internet access and related services, if such technology, equipment, or services are to be used by the beneficiary and the beneficiary's family during any of the years the beneficiary is enrolled at an eligible educational institution. Clause (iii) shall not include expenses for computer software designed for sports, games, or hobbies unless the software is predominantly educational in nature.

(B) Room and board included for students who are at least half-time

(i) In general In the case of an individual who is an eligible student (as defined in section 25A (b)(3)) for any academic period, such term shall also include reasonable costs for such period (as determined under the qualified tuition program) incurred by the designated beneficiary for room and board while attending such institution. For purposes of subsection (b)(6), a designated beneficiary shall be treated as meeting the requirements of this clause.

(ii) Limitation The amount treated as qualified higher education expenses by reason of clause (i) shall not exceed—

(I) the allowance (applicable to the student) for room and board included in the cost of attendance (as defined in section 472 of the Higher Education Act of 1965 (20 U.S.C. 1087ll), as in effect on the date of the enactment of the Economic Growth and Tax Relief Reconciliation Act of 2001) as determined by the eligible educational institution for such period, or

(II) if greater, the actual invoice amount the student residing in housing owned or operated by the eligible educational institution is charged by such institution for room and board costs for such period. – Source

So as an example, if you attended a qualified educational institution but were not at least half-time it appears an argument could be made to discharge room and board expenses. Or if you used part of your student loan for living expenses outside of room and board, those may be be eligible for discharge as well.

This would also apply to money paid from student loans for:

Discretionary college costs, like those associated with intramural sports teams or sororities and fraternities
Transportation expenses, such as gas for those who commute to school or airfare to fly home for the holidays.
A laptop or computer isn't considered a qualified education expense unless it is required by the college or for a course.
Dorm room supplies like the bed sheets and a mini-fridge, don't qualify, unless they're charged to the student by the university.
Off-campus housing (rent and food) that exceeds the estimated off-campus expenses published by the university.
Textbooks are qualified education expenses, but a study guide not included on the required course list may not be.
Furnishing an apartment is not part of room and board.
SAT or ACT testing.
School sponsored travel.
Internet access not billed through the school.
Workshops at school if not enrolled.

The list above are examples but it is certainly not exhaustive. You would need to evaluate what you specifically spent your student loan on.

Need Student Loan Assistance? Click Here

Don't Assume Your Private Student Loan is Not Dischargeable

It would be a complete mistake to not assume part or all of any private student loan is not dischargeable or allowed to be eliminated in a bankruptcy filing.

This is an emerging area and there are frankly not that many people familiar with this topic. The general assumption is that private student loans are not dischargeable in bankruptcy and that would be both factually and practically wrong. As I've demonstrated to you, some can be.

For more information on dealing with student loans in bankruptcy, see the articles below.

Discharge Your Student Loans in Bankruptcy

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These Private Student Loans Can Be Easily Discharged in Bankruptcy by Steve Rhode

USAvsDEBT, USDC <b>Student Loan</b> Services and <b>Student Loan</b> <b>...</b>

Posted: 15 Nov 2013 08:48 AM PST

The Association for Student Loan Relief has shared new member flocking to the association focused on selling student loan relief services to consumers. Current members include AP Student Loan Relief, Action Financial, Debt.org, Student Loan Consolidation Center, American Student Loan Consolidators, US Student Loan Services, USAvsDebt, USDC Student Loan Services, Frontline Debt Services. – Source

As always, for consumers who are doing business with any debt relief company they may not be familiar with I always urge they check out the company first. Here are a few of my free guides to do this.

Not being familiar with the three new members I took a cursory look at them. But I would be ever so grateful if any consumer using their services could provide feedback of their experience in the comments below.

USAvsDEBT

100 Highland Park Village
Suite 200
Dallas, TX 75205

The address is a virtual office managed by Regus. – Source

The State of Texas website does not show a company named USAvsDebt, Inc. but does show a company named USA Versus Debt, Inc. That company states it is actually located at 5890 Grossetto Drive, Frisco, Texas. The company president is Valerie Edwards. – Source

USAvsDebt claims they "provide financial and spiritual freedom suited to your long term goals. We provide debt reduction thus enabling our client's peace of mind." – Source

USDC Student Loan Services

4695 MacArthur Court
11th Floor
Newport Beach, CA 92660

The address is a virtual office managed by Regus. – Source

The State of California website could not locate any company registered to do business under the name USDC Student Loan Services.

However the website for USDC Student Loan Services identified the company as USDC Consulting, LLC who is registered in California as of August 6, 2013. No company officers are identified.

Oddly they also identify themselves as US Debt Co.

Even their domain ownership is hidden so it is not possible to identify the officers or members behind this company using public records.

As of 8-17-2013 the owner of the domain usdcstudent.com was listed as Joshua Brown at 220 Newport Center Drive Suite 11-569, Newport Beach, California.

Student Loan Consolidation Center

210 North University Drive
Suite 800
Coral Springs, FL 33071

When I looked up the street view of this building I instantly recognized it as the same building Military Det Management was located in. See this article. Small world.

The Student Loan Consolidation Center raised a couple of red flags. They are using an Obama video on the front page, a process that was frowned upon in debt settlement marketing and they say "Student Loan Consolidation Center works with the Department of Education" which could be misconstrued that they have some official relationship which I doubt they do. – Source

According to the State of Florida, Student Loan Consolidation Center is an LLC and the managers are Monetary Management Systems, Inc. and Clutch Marketing. These managers replaced BT Breazeale, II and Christopher Young on July 12, 2013. – Source

Interestingly these previous articles questioned the relationship of a Young and Breazeale to Military Debt Management.

The company was registered in Florida on February 18, 2013.

Clutch Marketing, Inc has Christopher Young at its president. Thomas Breazeale, III is the president of Monetary Management Systems according to the State of Florida. The company was previously called American Mutual Financial Management.

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If you have a credit or debt question you'd like to ask just use the online form. I'm happy to help you totally for free.

USAvsDEBT, USDC Student Loan Services and Student Loan Consolidation Center Signup by Steve Rhode

Wednesday, 13 August 2014

Student loan | How to Really Discharge Your Student Loans in Bankruptcy. Many ...

Student loan | How to Really Discharge Your <b>Student Loans</b> in Bankruptcy. Many <b>...</b>

How to Really Discharge Your <b>Student Loans</b> in Bankruptcy. Many <b>...</b>
Senate plan could help grads pay off <b>student loans</b> - Jordan-Marie <b>...</b>
August 1, 2014 U.S. Committee on Banking, Housing, and Urban <b>...</b>
<b>Student Loan</b> Debt Can Lead to Poorer Health, Middle-Age Malaise <b>...</b>
<b>Student Loan</b> Repayment Scams: How To Avoid Being Ripped Off <b>...</b>

How to Really Discharge Your <b>Student Loans</b> in Bankruptcy. Many <b>...</b>

Posted: 05 Jan 2013 10:20 AM PST

For years we've all heard the same message that it's near darn impossible to discharge student loans in bankruptcy. We've heard that the undue hardship standards make it so onerous that expecting a student loan discharge is all but an act of God. But what if that belief was actually more myth than fact?

Recently Jason Iuliano, (J.D. Harvard Law School; Ph.D. Student in Politics, Princeton University) took an emperical look at the reality of student loan discharges in bankruptcy and his results, are, well, shocking.

What Iuliano found was that the reality of student loan discharge in bankruptcy was that four out of ten that attempted to discharge their loans were successful. Granted, a 40 percent rate is not success for the majority, but it's not inconsequential either. More disturbingly he found that in just the one study year, 69,000 debtors would have been good candidates to receive some or full relief from their student loan debt but they never even tried to discharge the loans. In fact few ever try to discharge their student loans in bankruptcy. "99.9 percent of student loan debtors in bankruptcy never attempt to get a discharge," says Iuliano.

It is possible to discharge student loans in bankruptcy. – Click to Tweet

The research found that consumers that were able to successfully discharge their student loans in bankruptcy under the undue hardship standard had these three characteristics.

Less likely to be employed.
More likely to have a medical hardship.
More likely to have lower annual incomes the year before they filed for bankruptcy.

After studying previous bankruptcy filings, Iuliano stated, "Incredibly, only [one-tenth of one percent] of student loan debtors who have filed for bankruptcy attempt to discharge their student loans." – You can read full study here.

In order to pursue a successful claim to discharge the loans in bankruptcy a student loan holder should be able to show (1) a current inability to repay the loans, (2) a future inability to repay the loans, and (3) a good faith effort to repay the loans. Many can easily do that.

How to Really Discharge Your Student Loans in Bankruptcy. Many Can. But Never Try.

A review of the results obtained by filers shows the majority of those approved for student loan discharge, received a full or partial discharge of their student loan debt.

Need Student Loan Assistance? Click Here

So Why Don't More Even Try?

There are a number of factors which could explain why so few consumers attempt to discharge their student loans under bankruptcy. The first reason and probably the most prevailing is the apparent urban myth that student loans can't be discharged under bankruptcy. The reality of the results Iuliano uncovered is quite different.

Second, it's quite possible that student loan collectors and the media tell consumers that there is no sense pursuing bankruptcy since student loans can't be discharged so they never attempt to.

Third, a wide number of bankruptcy attorneys are convinced that student loans can't be discharged under bankruptcy and never even try to include them or pursue an adversary hearing to go for the discharge.

Admittedly, I've held this old assumption as well and have said for years that an undue hardship discharge is not possible for many. It wasn't until reading this most recent research released in September of 2012 that proof has been shown otherwise.

Attempts by a wider number of consumers to discharge their student loans may not be as successful as the sample studied since more people with higher incomes and less of a demonstrable hardship may now pursue a discharge of their student loans. But maybe more will attempt to discharge their student loans through this process and tens of thousands of people will be successful that would never have even attempted such relief.

The study author also postulated why so few try:

Nonetheless, an important question remains: why do so few people in bankruptcy attempt to discharge their student loans? A couple reasons likely account for this phenomenon. First, the view that student loan discharges are nearly impossible to obtain may be a self-fulfilling prophecy. As mentioned earlier, journalists and academics have long asserted that it is nearly impossible to meet the undue hardship standard. If debtors take these comments to heart and believe that their chances of success are trivial, they will be less likely to attempt to discharge their educational debt. Judges grant so few discharges simply because they hear so few student loan cases. Unfortunately, with judges granting so few discharges, commentators feel even more justified in arguing that the undue hardship requirement is too harsh. Thus, the cycle continues.

A second reason that people may choose not to pursue discharges is that they do not have money to pay an attorney. Because the adversary proceeding is essentially a trial, debtors may believe that they need an attorney in order to win. Quite reasonably, they do not think they will be able to represent themselves against a large company such as Sallie Mae or Wells Fargo. My study, however, shows that a debtor can be successful without an attorney. In fact, after controlling for other factors, I found that there was no statistical difference in outcome between pro se debtors and debtors represented by an attorney.

As bankruptcy attorney Gary Armstrong stated in a recent post on this subject, "The main lesson from the findings is the minimal participation by debtors. Surprisingly, less than one tenth of one percent of debtors who file for bankruptcy even attempt to have their student loans discharged." – Source

Here is the bottom line, more consumers should pursue a student loan discharge in bankruptcy. While the majority may not receive a discharge, a large number that don't even try would receive a substantial benefit or relief to allow them to move forward with their financial lives.

Reality Check: The reality is that the cost of fighting the student loan lender for a rightful elimination of student loan debt can be an expensive process that many who file bankruptcy can't afford to pursue.

The bottom line here is that if you have student loans you should discuss this article and these issues with your bankruptcy attorney to clearly and specifically understand what it would take for you to fight for a discharge of your student loans.

Even a number of those that pursued a full discharge of their debt, that were not discharged by the court, were able to come to an agreement with their student loan lender to settle their loan balance instead. Either way, that's a victory for consumers with unmanageable student loan debt.

If you find a bankruptcy attorney that says it's not possible to discharge your student loans, send them the link to this article and let's help open their eyes to the research.

If you need help finding a local bankruptcy attorney, you can always use this free online bankruptcy attorney directory.

For more information on dealing with student loans in bankruptcy, see the articles below.

Discharge Your Student Loans in Bankruptcy

Update

Another approach that has worked for discharging student loans in bankruptcy is for private student loans that are outside their statue of limitations and time barred. In this case the private student loans can be eliminated in a regular bankruptcy without any adversarial proceedings as needed with the approach outlined above.

Additionally many private student loans were bundled and sold, much like mortgages were. If pressed it might be very hard for the true ownership to be legally proven. That is a much more complicated course of action but I believe we will see this develop into a bigger issue.

A successful approach for those that are having a tough time with private student loan payments is to consider talking to bankruptcy attorney and explore a chapter 13 bankruptcy where the student loan payments are included.

In some areas the payments can be reduced. In general the bankruptcy will stop all collection activity and potentially fees for the five years you would be in a chapter 13 bankruptcy.

Hopefully the laws will change in the years ahead and private student loans will be dischargeable again as they were before 2005.

For government backed student loans, read The Ultimate Guide to Dealing With Student Loans You Can't Afford.

Update July 7, 2013

A recent appeals court ruling supported discharge of student loans in bankruptcy. Read Big Case Proving Ability to Discharge Student Loans in Bankruptcy.

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How to Really Discharge Your Student Loans in Bankruptcy. Many Can. But Never Try. by Steve Rhode

Senate plan could help grads pay off <b>student loans</b> - Jordan-Marie <b>...</b>

Posted: 06 Aug 2014 06:10 PM PDT

Students protesting the rising costs of student loans for higher education are pictured. | Getty

This legislation could affect more than 15 million people under 30 with student loan debt. | Getty

For many students returning to college this fall, there's a major nagging issue: the mountain of debt they'll face after graduation.

Official Washington, from the White House to Capitol Hill, has been struggling to find ways to make college more affordable. One bipartisan solution offered this summer by Sens. Marco Rubio (R-Fla.) and Mark Warner (D-Va.) is designed to streamline the repayment and management of federal student loans.

For instance, student borrowers would be enrolled in automatic payroll deductions each month, with 10 percent of a graduate's paycheck able to be deducted with a $10,000 exemption annually.

That could make a huge difference for the more than 15 million people under 30 with student loan debt. The average loan balance for those borrowers climbed over $20,000 in late 2011 and has been growing ever since, according to data from the New York Federal Reserve. Altogether, student loan debt now tops $1.2 trillion.

(Sign up for POLITICO's Morning Education tip sheet)

"I think the Rubio-Warner policy will simplify the process of repayment, but I am not convinced it will lessen the burden of student loans," said William Bennett, a recent graduate from the University of North Carolina at Chapel Hill.

The 10 percent deduction would be tough, he said, but the Rubio-Warner proposal could be a huge step toward larger financial aid repayment reform.

"It's a step forward but certainly not the last," Bennett said.

In their announcement of the Dynamic Student Loan Repayment Act, Rubio and Warner emphasized the mounting student loan debt and the importance of their bipartisan effort to create an innovative repayment plan.

"On average, today's graduates carry nearly $30,000 in student loan debt. But our current loan repayment system often turns what should be reasonable debts into crippling payments," the senators said in a joint statement.

Andrew Kelly, director of the Center on Higher Education Reform at the conservative think tank American Enterprise Institute, said he supports the Rubio-Warner effort because it would make income-based payments mandatory, which are currently an opt-in for most federal payment plans.

"When people have to opt in to things via a complicated process, that's heavy on paperwork and burdensome. They're less likely to self-select into it, and that's what we're seeing with income-based repayment," Kelly explained.

For Rubio, particularly, student loans have been on his mind. When he was first elected to the Florida House of Representatives, he was still paying off more than $100,000 in student loans, his spokesman, Alex Conant, noted.

"It's too expensive and too hard to access for too many Americans, especially working Americans," Conant said. "He's proposed a whole series of reforms to make it more accessible and more affordable."

Rubio first outlined his student loan legislation in a February speech. And if it doesn't move along in this fall's congressional session, Conant said, he expects it to be revisited next year in the new Congress.

And Conant said teaming up with the Democratic senator from Virginia could be a big asset.

"We try to be bipartisan whenever we can because it obviously improves the odds of something passing," Conant said of Rubio's partnership with Warner. "His office expressed interest on this idea, and we're happy to work with anyone that agrees with us on this."

For some students, though, bipartisanship is not a high priority. They're just eager for some relief from the mounting debt.

"I honestly don't care who fixes the problem, as long as someone is working to fix it," said Alicia Carroll, a student at Emerson College in Boston set to graduate in fall 2015.

The Rubio-Warner legislation is in sharp contrast to the stalled bill introduced by Sen. Elizabeth Warren (D-Mass.) that focuses on cutting interest rates for borrowers across the board, said Jason Delisle, director of the Federal Education Budget Project at the New America Foundation, a nonpartisan think tank focusing on education and other issues.

The Rubio-Warner bill is more comprehensive than Warren's measure, Delisle said. "It gets to the heart of the problem rather than marginally lowering [interest rates]," he said.

"This bill is the first time [the Senate is] advancing policy beyond pure concept," Delisle said. "All of the mechanics and processing have to be moving smoothly behind the scenes."

August 1, 2014 U.S. Committee on Banking, Housing, and Urban <b>...</b>

Posted: 01 Aug 2014 02:34 PM PDT

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style="margin:0;font-family:Verdana, Arial, Helvetica, sans-serif;line-height:140%;font-size:15px;color:#000000;"><div> <div class="stack-dropcap"> <p>People saddled with big college loans are more likely to suffer from poor health and have a less upbeat attitude to life in middle age, a poll of graduates shows. Gallup Education and Purdue University asked some 30,000 Americans who earned four-year degrees in the last 24 years to gauge their well-being by evaluating their physical health, ties to community, financial stability and sense of purpose in life. Debt-laden graduates scored lower in all four than their debt-free counterparts, sometimes by a wide margin. Only 25 percent who started with more than $50,000 in debt are thriving financially, 15 percentage points lower than debt-free grads. Even among those graduating prior to 2000, there was a 13-percentage-point gap. Older grads also scored lower on measures of physical health and a sense of purpose in life, although they pulled nearly even in community ties.</p> <div class="stack-inline-video"> <div class="stack-video-viewport"> <p><img src="http://www.nbcnews.com/img/VideoPlayerNoJS.png" alt="This Video Player Requires JavaScript. It has come to our attention that the browser you are using is either not running JavaScript or out of date. Please enable javascript and/or update your browser if possible."/></p> </div> </div> <ul><li><a href="http://redirect.viglink.com?key=11fe087258b6fc0532a5ccfc924805c0&u=http%3A%2F%2Fwww.nbcnews.com%2Ftech%2Fgadgets%2F5-start-ups-make-paying-back-student-loans-easier-n170701">5 Start-Ups That Make Paying Back Student Loans Easier</a></li> <li><a href="http://redirect.viglink.com?key=11fe087258b6fc0532a5ccfc924805c0&u=http%3A%2F%2Fwww.nbcnews.com%2Fbusiness%2Fbusiness-news%2Famericans-borrowed-less-college-last-year-n169786">Americans Borrowed Less for College Last Year</a></li> <li><a href="http://redirect.viglink.com?key=11fe087258b6fc0532a5ccfc924805c0&u=http%3A%2F%2Fwww.nbcnews.com%2Fbusiness%2Fpersonal-finance%2Fstudent-loan-repayment-scams-how-avoid-being-ripped-n166781">Student Loan Repayment Scams: How To Avoid Being Ripped Off</a></li> </ul><p>- Martha C. White</p> <p>First published August 7 2014, 7:03 AM</p> </div> </div><img src="http://pixel.quantserve.com/pixel/p-89EKCgBk8MZdE.gif" border="0" height="1" width="1" /></div> </td> </tr> <tr> <td style="margin-bottom:0;line-height:1.4em;"> <p style="margin:1em 0 3px 0;"> <a name="5" style="font-family:Verdana, Arial, Helvetica, sans-serif;font-size:18px;" href="http://www.nbcnews.com/business/personal-finance/student-loan-repayment-scams-how-avoid-being-ripped-n166781"><b>Student Loan</b> Repayment Scams: How To Avoid Being Ripped Off <b>...</b></a> </p> <p style="font-size:15px;color:#555;margin:9px 0 3px 0;font-family:Verdana, Arial, Helvetica, sans-serif;line-height:140%;font-size:15px;"> <span>Posted:</span> 29 Jul 2014 07:01 AM PDT</p> <div style="margin:0;font-family:Verdana, Arial, Helvetica, sans-serif;line-height:140%;font-size:15px;color:#000000;"><div> <p>Millions of Americans are struggling to pay off their student loans and desperate to find a way to lower those monthly payments. Scammers know this, so they've created phony student loan "debt relief" companies that promise to help – for a price.</p> <p>Law enforcement has taken notice of this relatively new industry. Illinois Attorney General Lisa Madigan is cracking down on companies that can't deliver on their "too good to be true claims" to reduce or eliminate student loan debt. Earlier this month, Illinois became the first state to file a lawsuit against a student loan debt relief agency.</p> <p>Madigan charged two companies with deceptive marketing for selling bogus or worthless services. Some of these ads promised to help clients enroll in the "Obama Forgiveness Program" – there is no such program. According to the lawsuit, the companies charged as much as $1,200 to do nothing more than fill out paperwork for free government programs.</p> <p>Telephone agents often falsely claimed the company was affiliated with the U.S. Department of Education, the lawsuit alleges.</p> <p>Student loan debt is a serious and growing problem in this country. The Consumer Financial Protection Bureau (CFPB) estimates that outstanding student loan debt is approaching $1.2 trillion. About seven million student loan borrowers are now in default.</p> <p>Last year, the National Consumer Law Center (NCLC), a non-profit advocacy group, studied the student loan debt relief industry. NCLC investigators visited websites, made secret shopper calls, examined contracts and reviewed online complaints.</p> <p>"There's a whole range of misrepresentations," said staff attorney Deanne Loonin. "They either make up a program that doesn't exist, or they describe a government program and make it sound like it's their own or claim to have some special way to access it for you."</p> <p>In its report, Searching for Relief, the NCLC found numerous problems, including: charging for services that are available for free, failure to disclose fees online or when initially requested, and providing inaccurate information about crucial topics such as consolidation loans and garnishment.</p> <p>Most of these companies claimed to offer a broad range of services, but NCLC's secret shoppers didn't find that. "They're not a counseling service and they don't usually go through all the options available," Loonin told CNBC.</p> <p>"They're usually selling loan consolidation, so they are going to steer you in that direction, no matter what." Loan consolidation is a good option for some people, but it doesn't work for everybody and may not be available to all borrowers, Loonin said.</p> <p>NCLC's mystery shoppers also found that some companies charge a monthly fee of from $20-$50 on top of the steep upfront payment. The report calls these fees "particularly suspect" since it's unclear what service, if any, the customer is buying on a monthly basis.</p> <p><strong>What can be done?</strong></p> <p>People are looking for debt relief, but they don't know where to get help. That enables companies to charge them for something they could do on their own for free. And while that's not illegal, it is against the law to make false claims about the nature of the service or lie about being affiliated with the government's Direct Loan Program.</p> <p>Mark Kantrowitz, an expert on student aid and publisher of the Edvisors Network, believes students should receive better counseling about their loan repayment options – especially students who are about to drop out of school. Dropouts are four times more likely to default and represent about two-thirds of the loan defaults, he said.</p> <p>Kantrowitz would like to see Congress require debt relief services to "clearly and conspicuously disclose in their advertising and on their websites" that borrowers can consolidate their loans on their own for free at StudentLoans.gov." In 2008, Congress decided to require a similar notice for companies that charge to prepare the Free Application for Federal Student Aid (FAFSA) form, he noted.</p> <p>Last week, Illinois AG Madigan told a congressional committee that these scams are the result of a larger problem – too many former students are having a hard time paying down their student loan debt. At the very least, she said, the Department of Education should create a public awareness campaign to get the message out to current and former higher education students that there are programs available that can help them.</p> <p>"The scammers have advertisements and these advertisements are working," she testified. "We need ads highlighting real programs to counteract them."</p> <p>Madigan would like to see a "streamlined and accessible system" within the Education Department to provide borrowers with information about their options and federal programs that might be able to assist them with repayment. She also called on lawmakers to pass legislation that would allow students to refinance their federal loans to take advantage of today's low interest rates, similar to what is already offered to homeowners.</p> <p><strong>Protect yourself.</strong></p> <p>Do your homework before you do anything. Start with free options and be highly skeptical of any company that charges a fee and requires payment in advance. "Watch out for companies pretending to be blessed by or vetted by the federal government and watch out for companies that pretend to be part of a public repayment program," cautioned Michelle Grajales, an attorney with the Federal Trade Commission.</p> <p>Visit the <a href="http://redirect.viglink.com?key=11fe087258b6fc0532a5ccfc924805c0&u=http%3A%2F%2Fwww.consumerfinance.gov%2F" target="_blank">Consumer Financial Protection Bureau</a> or the <a href="http://redirect.viglink.com?key=11fe087258b6fc0532a5ccfc924805c0&u=http%3A%2F%2Fwww.studentloanborrowerassistance.org%2F" target="_blank">National Consumer Law Center</a> websites for information about legitimate sources of free assistance. The Illinois AG's office has prepared a <a href="http://redirect.viglink.com?key=11fe087258b6fc0532a5ccfc924805c0&u=http%3A%2F%2Fwww.illinoisattorneygeneral.gov%2Fconsumers%2FStudent_Loan_Debt_Relief_Do_Your_Homework.pdf">step-by-step guide</a> on student loan debt relief.</p> <p>First published July 28 2014, 10:53 AM</p> </div><img src="http://pixel.quantserve.com/pixel/p-89EKCgBk8MZdE.gif" border="0" height="1" width="1" /></div> </td> </tr> </table> <table style="border-top:1px solid #999;padding-top:4px;margin-top:1.5em;width:100%" id="footer"> <tr> <td style="text-align:left;font-family:Helvetica,Arial,Sans-Serif;font-size:11px;margin:0 6px 1.2em 0;color:#333;">You are subscribed to email updates from <a href="http://www.google.com/search?q=student+loan&tbm=blg">student loan - Google Blog Search</a> <br />To stop receiving these emails, you may <a href="http://feedburner.google.com/fb/a/mailunsubscribe?k=Vz2SF90eziOvsN5s7k0sJBVqQ0o">unsubscribe now</a>.</td> <td style="font-family:Helvetica,Arial,Sans-Serif;font-size:11px;margin:0 6px 1.2em 0;color:#333;text-align:right;vertical-align:top">Email delivery powered by Google</td> </tr> <tr> <td colspan="2" style="text-align:left;font-family:Helvetica,Arial,Sans-Serif;font-size:11px;margin:0 6px 1.2em 0;color:#333;">Google Inc., 20 West Kinzie, Chicago IL USA 60610</td> </tr> </table> </div> <div style='clear: both;'></div> </div> <div class='post-footer'> <div class='post-footer-line post-footer-line-1'> <span class='post-author vcard'> Posted by <span class='fn' itemprop='author' itemscope='itemscope' itemtype='http://schema.org/Person'> <span itemprop='name'>Blog Admin</span> </span> </span> <span class='post-timestamp'> at <meta content='http://studentloan-blog.blogspot.com/2014/08/student-loan-how-to-really-discharge.html' itemprop='url'/> <a class='timestamp-link' href='http://studentloan-blog.blogspot.com/2014/08/student-loan-how-to-really-discharge.html' rel='bookmark' title='permanent link'><abbr class='published' itemprop='datePublished' title='2014-08-13T23:16:00-07:00'>23:16</abbr></a> </span> <span class='post-comment-link'> <a class='comment-link' href='http://studentloan-blog.blogspot.com/2014/08/student-loan-how-to-really-discharge.html#comment-form' onclick=''> No comments: </a> </span> <span class='post-icons'> <span class='item-control blog-admin pid-1675203809'> <a href='https://www.blogger.com/post-edit.g?blogID=4939647216619170814&postID=4692790054471368013&from=pencil' title='Edit Post'> <img alt='' class='icon-action' height='18' src='https://resources.blogblog.com/img/icon18_edit_allbkg.gif' width='18'/> </a> </span> </span> <div class='post-share-buttons goog-inline-block'> <a class='goog-inline-block share-button sb-email' href='https://www.blogger.com/share-post.g?blogID=4939647216619170814&postID=4692790054471368013&target=email' target='_blank' title='Email This'><span class='share-button-link-text'>Email This</span></a><a class='goog-inline-block share-button sb-blog' href='https://www.blogger.com/share-post.g?blogID=4939647216619170814&postID=4692790054471368013&target=blog' onclick='window.open(this.href, "_blank", "height=270,width=475"); 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padding-left:1em; } div#emailbody table#itemcontentlist tr td div blockquote { padding-left:6px; border-left: 6px solid #dadada; margin-left:1em; } div#emailbody table#itemcontentlist tr td div li { margin-bottom:1em; margin-left:1em; } table#itemcontentlist tr td a:link, table#itemcontentlist tr td a:visited, table#itemcontentlist tr td a:active, ul#summarylist li a { color:#000000; font-weight:bold; text-decoration:none; } img {border:none;} </style> <div xmlns="http://www.w3.org/1999/xhtml" id="emailbody" style="margin:0 2em;font-family:Verdana, Arial, Helvetica, sans-serif;line-height:140%;font-size:15px;color:#000000;"> <table style="border:0;padding:0;margin:0;width:100%"> <tr> <td style="vertical-align:top" width="99%"> <h1 style="margin:0;padding-bottom:6px;"> <a href="http://www.google.com/search?q=student+loan&tbm=blg" style="color:#888;font-size:22px;font-family:Verdana, Arial, Helvetica, sans-serif;font-weight:normal;text-decoration:none;" title="(http://www.google.com/search?q=student+loan&tbm=blg)">Student loan | Daughter suddenly dies, grieving parents hit with $200,000 in <b>...</b></a> </h1> </td> <td width="1%" /> </tr> </table> <hr style="border:1px solid #ccc;padding:0;margin:0" /> <ul style="clear:both;padding:0 0 0 1.2em;width:100%" id="summarylist"> <li> <a href="#1">Daughter suddenly dies, grieving parents hit with $200,000 in <b>...</b></a> </li> <li> <a href="#2">Redlands Family Owes $200K In <b>Student Loans</b> After Daughter's <b>...</b></a> </li> <li> <a href="#3">Presidential Memorandum -- Federal <b>Student Loan</b> Repayments <b>...</b></a> </li> </ul> <table id="itemcontentlist"> <tr xmlns=""> <td style="margin-bottom:0;line-height:1.4em;"> <p style="margin:1em 0 3px 0;"> <a href="http://fox13now.com/2014/07/29/daughter-suddenly-dies-grieving-parents-hit-with-200000-in-student-loans/" name="1" style="font-family:Verdana, Arial, Helvetica, sans-serif;font-size:18px;">Daughter suddenly dies, grieving parents hit with $200,000 in <b>...</b></a> </p> <p style="font-size:15px;color:#555;margin:9px 0 3px 0;font-family:Verdana, Arial, Helvetica, sans-serif;line-height:140%;font-size:15px;"> <span>Posted:</span> 29 Jul 2014 01:11 PM PDT</p> <div style="margin:0;font-family:Verdana, Arial, Helvetica, sans-serif;line-height:140%;font-size:15px;color:#000000;"><div> <p><img alt="Grieving parents hit with $200,000 in student loans" class=" wp-post-image" height="225" src="http://localtvkstu.files.wordpress.com/2014/07/student-loans-family-cnn1.jpg?w=400&h=225&crop=1" width="400"/></p> <p>NEW YORK — When his 27-year-old daughter Lisa died suddenly of liver failure five years ago, Steve Mason was as devastated as any father would be.</p> <p>He and his wife Darnelle immediately took in Lisa's three children — ages 4, 7 and 9 at the time — even though they knew it would be a huge struggle to support them. Steve earns less than $75,000 per year as a pastor, while Darnelle earns even less as a director at the same church.</p> <p>Then the student loan bills started coming.</p> <p>Mason had co-signed on the $100,000 in private student loans that his daughter took out for nursing school, and the lenders wanted their money.</p> <p>Unable to keep up with the monthly payments on top of all of the other mounting expenses, the $100,000 balance ballooned into $200,000 as a result of late penalties and interest rates of as high as 12%.</p> <p>"It's just impossible on a pastor's salary raising three kids to pay $2,000 a month on loans," said Mason, who has been searching for a second job.</p> <p>If these had been federal student loans, Mason could have had the loans discharged or at least received some sort of financial assistance. But since they are private loans, he has little to no recourse.</p> <p>He called each lender to explain his situation and beg for help, and while they sympathized with him, they told him they weren't required to do anything.</p> <p>And they're right — private lenders aren't bound by any federal requirements to help borrowers — or co-signers — facing financial hardship, even when it's a parent whose child has passed away, says Deanne Loonin, an attorney at the National Consumer Law Center. Any loan forgiveness is up to the discretion of an individual lender.</p> <p>Navient Corp., which manages several of Mason's loans, said it has reduced the balance and lowered interest rates and payments for Mason in the past, and provides relief to customers on a case-by-case basis.</p> <p>"We extend our deepest sympathies to the Mason family on the loss of their daughter," the company said in a statement to CNNMoney. "We're reaching out to Mr. Mason to offer further assistance as appropriate."</p> <p>After being contacted by CNNMoney, Mason said Navient lowered his interest rate to 0% on three of four loans and reduced the total amount owed to $27,000 from nearly $35,000.</p> <p>American Education Services, which handles the bulk of Mason's other loans, said as a loan servicer it's in charge of collecting payments and doesn't make the rules about forgiveness. Mason would therefore need to contact the original lender, National Collegiate Trust, directly. He did this, and says the lender refused to provide him with any relief. NCT could not be reached for comment.</p> <p>Mason has considered declaring bankruptcy, but student loans are the only type of debt that generally can't be discharged through bankruptcy.</p> <p>"People with other debt from splurging — they can discharge that," he said. "Student loans should really be the one type of debt they do discharge because it's done to further an education and career. But somehow getting [my daughter] an education has encumbered me for the rest of my life."</p> <p>Similar financial nightmares are haunting other grieving families.</p> <p>Angela Smith, a mother from Chesapeake, Va., filed a petition on Change.org several years ago asking private loan provider First Marblehead Corp. to forgive the $40,000 in student loans that her husband had co-signed for their son Donte, who was shot to death in 2008.</p> <p>"Shortly after Donte died, that's when the collection calls started. It was like a punch in the gut — we didn't know what hit us," Smith wrote in the petition. "All of a sudden we not only had to deal with the police and attorneys investigating his murder, but we also had to deal with collectors constantly calling and reminding us of our son's death in the worst way."</p> <div id="attachment_335403" class="wp-caption alignnone c4"><a href="http://redirect.viglink.com?key=11fe087258b6fc0532a5ccfc924805c0&u=https%3A%2F%2Flocaltvwjw.files.wordpress.com%2F2014%2F07%2Fmason2.jpeg"><img alt="Steve Mason and his wife Darnelle not only took in their daughter's three children when Lisa Mason passed away, they also inherited her $100,000 student loan bill. Unable to keep up with the monthly payments on top of all of the other mounting expenses, the $100,000 balance ballooned into $200,000 as a result of late penalties and interest rates of as high as 12%. Courtesy: Mason Family via CNN" class="wp-image-335403 size-full" height="559" src="https://localtvwjw.files.wordpress.com/2014/07/mason2.jpeg?w=770&h=559" width="770"/></a> <p class="wp-caption-text">Steve Mason and his wife Darnelle not only took in their daughter's three children when Lisa Mason passed away, they also inherited her $100,000 student loan bill. Unable to keep up with the monthly payments on top of all of the other mounting expenses, the $100,000 balance ballooned into $200,000 as a result of late penalties and interest rates of as high as 12%. Courtesy: Mason Family via CNN</p> </div> <p>The petition received more than 150,000 signatures from sympathizers but no action from the lenders. First Marblehead didn't respond to a request for comment, and Smith says the loan was recently sold to another company.</p> <p>At least four other petitions from families in this situation have been started on Change.org. There's been one success story so far, where the brother of a deceased borrower petitioned a bank to stop going after his grieving father for payments, and the loan was forgiven.</p> <p>Legislation aiming to help people in these situations, including recent bills that would allow student loan debt to be discharged in bankruptcy, have been introduced over the years but have yet to pass in Congress.</p> <p>For now, the only option parents really have is to propose a payment plan with the lender or try to prove undue financial hardship to the courts in order to get the debts discharged in bankruptcy — which is rarely approved, said Loonin. And for anyone not already in this terrible situation, be very wary of taking out private loans — always try to get as much federal aid as possible first.</p> <p>As he approaches 60, Mason's dreams of retirement have been shattered. He's done the math, and he will have dependent children living under his roof until he is almost 70 years old. He hasn't taken a vacation with his wife since his daughter died, and doesn't realistically see that happening for many years to come.</p> <p>"We've pretty much gone through our retirement [funds] already — we didn't have a lot saved to begin with and now any extra money goes to the kids, as it should, and then whatever we can pay on the loans, we do," said Mason. "At my stage of life, I should have a very different lifestyle than I do."</p> </div><p>Trademark and Copyright 2014 <a href="http://redirect.viglink.com?key=11fe087258b6fc0532a5ccfc924805c0&u=http%3A%2F%2Fwww.cnn.com%2F" rel="nofollow" target="_blank">Cable News Network</a>, Inc., a Time Warner Company. All rights reserved.</p><img border="0" height="1" src="http://pixel.quantserve.com/pixel/p-89EKCgBk8MZdE.gif" width="1" /></div> </td> </tr> <tr> <td style="margin-bottom:0;line-height:1.4em;"> <p style="margin:1em 0 3px 0;"> <a href="http://losangeles.cbslocal.com/2014/07/29/redlands-family-owes-200k-in-student-loans-after-daughters-death/" name="2" style="font-family:Verdana, Arial, Helvetica, sans-serif;font-size:18px;">Redlands Family Owes $200K In <b>Student Loans</b> After Daughter's <b>...</b></a> </p> <p style="font-size:15px;color:#555;margin:9px 0 3px 0;font-family:Verdana, Arial, Helvetica, sans-serif;line-height:140%;font-size:15px;"> <span>Posted:</span> 29 Jul 2014 07:25 PM PDT</p> <div style="margin:0;font-family:Verdana, Arial, Helvetica, sans-serif;line-height:140%;font-size:15px;color:#000000;"><div> <p><strong>REDLANDS (CBSLA.com) —</strong> When 27-year-old Lisa Mason lost her battle with liver cancer in 2009, her three young children became the responsibility of her parents — along with a tremendous student loan debt.</p> <p>Pastor Steve Mason and his wife, in addition to inheriting the job of full-time parents once again, took on their daughter's $200,000 student loan debt, which she had taken out to study to become a nurse.</p> <p>"At my stage of life, when I should be thinking about retirement, we're going to parent-teacher conferences again," Steve said.</p> <p>Lisa's student loans are being managed by Navient Corp. and American Education Services. The Masons said that while Navient lowered their balance, American Education Services did not.</p> <p>"We understood co-signing would make us responsible if she was unwilling to make the payments," Steve said. "We didn't think it would carry on if she was unable to make the payments because of her death."</p> <p>Bankruptcy, meanwhile, is not an option, since both loans are reportedly private loans.</p> <p>"I couldn't have imagined that we're still going to be held liable for this," Darnelle Mason said. "And they all said, 'There's just nothing we can do.' "</p> <p>The Masons say they are cutting costs dramatically in an attempt to make ends meet, and they have some advice for other families looking to take out student loans.</p> <p>"First of all, be informed, do the research," Steve said. "We were kind of naive when we were signing the student loans for her."</p> <p>If you'd like to help the Mason family, click <a href="http://redirect.viglink.com?key=11fe087258b6fc0532a5ccfc924805c0&u=http%3A%2F%2Fwww.gofundme.com%2Fcaaa4c" target="_blank">here</a>.</p> </div><img border="0" height="1" src="http://pixel.quantserve.com/pixel/p-89EKCgBk8MZdE.gif" width="1" /></div> </td> </tr> <tr> <td style="margin-bottom:0;line-height:1.4em;"> <p style="margin:1em 0 3px 0;"> <a href="http://www.whitehouse.gov/the-press-office/2014/06/09/presidential-memorandum-federal-student-loan-repayments" name="3" style="font-family:Verdana, Arial, Helvetica, sans-serif;font-size:18px;">Presidential Memorandum -- Federal <b>Student Loan</b> Repayments <b>...</b></a> </p> <p style="font-size:15px;color:#555;margin:9px 0 3px 0;font-family:Verdana, Arial, Helvetica, sans-serif;line-height:140%;font-size:15px;"> <span>Posted:</span> 09 Jun 2014 11:24 AM PDT</p> <div style="margin:0;font-family:Verdana, Arial, Helvetica, sans-serif;line-height:140%;font-size:15px;color:#000000;"><div id="content"> <div class="information"> <p class="title">The White House</p> <p>Office of the Press Secretary</p> <div class="dateline"> <p>For Immediate Release</p> <p>June 09, 2014</p> </div> </div> <p class="c3">June 9, 2014</p> <p>MEMORANDUM FOR THE SECRETARY OF THE TREASURY<br/><span class="c4">THE SECRETARY OF EDUCATION</span></p> <p>SUBJECT: Helping Struggling Federal Student Loan Borrowers Manage Their Debt</p> <p>A college education is the single most important investment that Americans can make in their futures. College remains a good investment, resulting in higher earnings and a lower risk of unemployment. Unfortunately, for many low- and middle-income families, college is slipping out of reach. Over the past three decades, the average tuition at a public four-year college has more than tripled, while a typical family's income has increased only modestly. More students than ever are relying on loans to pay for college. Today, 71 percent of those earning a bachelor's degree graduate with debt, which averages $29,400. While most students are able to repay their loans, many feel burdened by debt, especially as they seek to start a family, buy a home, launch a business, or save for retirement.</p> <p>Over the past several years, my Administration has worked to ensure that college remains affordable and student debt is manageable, including through raising the maximum Pell Grant award by nearly $1,000, creating the American Opportunity Tax Credit, and expanding access to student loan repayment plans, where monthly obligations are calibrated to a borrower's income and debt. These income-driven repayment plans, like my Pay As You Earn plan, which caps a Federal student loan borrower's payments at 10 percent of income, can be an effective tool to help individuals manage their debt, and pursue their careers while avoiding consequences of defaulting on a Federal student loan, such as a damaged credit rating, a tax refund offset, or garnished wages.</p> <p>While my Administration has made significant strides in expanding repayment options available to borrowers and building awareness of income-driven repayment plans, more needs to be done. Currently, not all student borrowers of Federal Direct Loans can cap their monthly loan payments at 10 percent of income, and too many struggling borrowers are still unaware of the options available to them to help responsibly manage their debt.</p> <p>Therefore, by the authority vested in me as President by the Constitution and the laws of the United States of America, I hereby direct the following:</p> <p><span class="c5">Section 1</span>. <span class="c5">Expanding the President's Pay As You Earn Plan to More Federal Direct Loan Borrowers</span>. Within 1 year after the date of this memorandum, the Secretary of Education shall propose regulations that will allow additional students who borrowed Federal Direct Loans to cap their Federal student loan payments at 10 percent of their income. The Secretary shall seek to target this option to those borrowers who would otherwise struggle to repay their loans. The Secretary shall issue final regulations in a timely fashion after considering all public comments, as appropriate, with the goal of making the repayment option available to borrowers by December 31, 2015.</p> <p><span class="c5">Sec. 2</span>. <span class="c5">Improving Communication Strategies to Help Vulnerable Borrowers</span>. By December 31, 2014, the Secretary of Education shall develop, evaluate, and implement new targeted strategies to reach borrowers who may be struggling to repay their Federal student loans to ensure that they have the information they need to select the best repayment option and avoid future default. In addition to focusing on borrowers who have fallen behind on their loan payments, the Secretary's effort shall focus on borrowers who have left college without completing their education, borrowers who have missed their first loan payment, and borrowers (especially those with low balances) who have defaulted on their loans to help them rehabilitate their loans with income-based monthly payments. The Secretary of Education shall incorporate data analytics into the communications efforts and evaluate these new strategies to identify areas for improvement and build on successful practices.</p> <p><span class="c5">Sec. 3</span>. <span class="c5">Encouraging Support and Awareness of Repayment Options for Borrowers During Tax Filing Season</span>. By September 30, 2014, the Secretary of the Treasury and the Secretary of Education shall invite private-sector entities to enter into partnerships to better educate borrowers about income-based repayment plans during the tax filing season in 2015. Building off of prior work, the Secretaries shall further develop effective ways to inform borrowers about their repayment options during the tax filing season in 2015, as well as through personalized financial management tools.</p> <p><span class="c5">Sec. 4</span>. <span class="c5">Promoting Stronger Collaboration to Ensure That Students and Their Families Have the Information They Need to Make Informed Borrowing Decisions</span>. By September 30, 2014, the Secretary of Education, in consultation with the Secretary of the Treasury, shall develop a pilot project to test the effectiveness of loan counseling resources, including the Department of Education's Financial Awareness Counseling Tool. The Secretary of Education shall convene higher education experts and student-debt researchers to identify ways to evaluate and strengthen loan counseling for Federal student loan borrowers. Additionally, the Secretaries shall collaborate with organizations representing students, teachers, nurses, social workers, entrepreneurs, and business owners, among others, to help borrowers represented by these organizations learn more about the repayment options that are available to them in financing their investment in higher education and managing their debt, and to provide more comparative, customized resources to those borrowers when possible.</p> <p><span class="c5">Sec. 5</span>. <span class="c5">General Provisions</span>. (a) Nothing in this memorandum shall be construed to impair or otherwise affect:</p> <p class="c6">(i) the authority granted by law to an agency, or the head thereof; or</p> <p class="c6">(ii) the functions of the Director of the Office of Management and Budget relating to budgetary, administrative, or legislative proposals.</p> <p>(b) This memorandum shall be implemented consistent with applicable law and subject to the availability of appropriations.</p> <p>(c) This memorandum is not intended to, and does not, create any right or benefit, substantive or procedural, enforceable at law or in equity by any party against the United States, its departments, agencies, or entities, its officers, employees, or agents, or any other person.</p> <p>(d) The Secretary of Education is hereby authorized and directed to publish this memorandum in the Federal Register.</p> <p class="c3">BARACK OBAMA</p> </div><img border="0" height="1" src="http://pixel.quantserve.com/pixel/p-89EKCgBk8MZdE.gif" 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class='post-count' dir='ltr'>(10)</span> <ul class='hierarchy'> <li class='archivedate expanded'> <a class='toggle' href='javascript:void(0)'> <span class='zippy toggle-open'> ▼ </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2016/01/'> January </a> <span class='post-count' dir='ltr'>(10)</span> <ul class='posts'> <li><a href='http://studentloan-blog.blogspot.com/2016/01/student-loan-would-be-lawyer-won-have.html'>Student loan | Would-be lawyer won't have $260K in...</a></li> <li><a href='http://studentloan-blog.blogspot.com/2016/01/student-loan-6-student-loan-changes-for.html'>Student loan | 6 Student Loan Changes for 2016 You...</a></li> <li><a href='http://studentloan-blog.blogspot.com/2016/01/student-loan-sanders-beats-student-loan.html'>Student loan | Sanders beats the student loan drum...</a></li> <li><a href='http://studentloan-blog.blogspot.com/2016/01/student-loan-experts-debate-keys-to.html'>Student loan | Experts Debate Keys to Student Loan...</a></li> <li><a href='http://studentloan-blog.blogspot.com/2016/01/student-loan-where-is-student-loan-debt.html'>Student loan | Where is Student Loan Debt the Wors...</a></li> <li><a href='http://studentloan-blog.blogspot.com/2016/01/student-loan-unleash-next-generation-of.html'>Student loan | Unleash the next generation of home...</a></li> <li><a href='http://studentloan-blog.blogspot.com/2016/01/student-loan-new-york-will-pay-your.html'>Student loan | New York Will Pay Your Student Loan...</a></li> <li><a href='http://studentloan-blog.blogspot.com/2016/01/student-loan-laboure-society-offers.html'>Student loan | Labouré Society offers religious ho...</a></li> <li><a href='http://studentloan-blog.blogspot.com/2016/01/student-loan-what-to-do-when-dropping.html'>Student loan | What to Do When Dropping Out of Col...</a></li> <li><a href='http://studentloan-blog.blogspot.com/2016/01/student-loan-in-student-loan-default.html'>Student loan | In Student Loan Default? How to Fix...</a></li> </ul> </li> </ul> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2015/'> 2015 </a> <span class='post-count' dir='ltr'>(34)</span> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2015/12/'> December </a> <span class='post-count' dir='ltr'>(5)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2015/11/'> November </a> <span class='post-count' dir='ltr'>(6)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' 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href='http://studentloan-blog.blogspot.com/2015/04/'> April </a> <span class='post-count' dir='ltr'>(1)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2015/03/'> March </a> <span class='post-count' dir='ltr'>(1)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2015/01/'> January </a> <span class='post-count' dir='ltr'>(2)</span> </li> </ul> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2014/'> 2014 </a> <span class='post-count' dir='ltr'>(98)</span> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2014/12/'> December </a> <span class='post-count' dir='ltr'>(9)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2014/11/'> November </a> <span class='post-count' dir='ltr'>(7)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2014/10/'> October </a> <span class='post-count' dir='ltr'>(17)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2014/09/'> September </a> <span class='post-count' dir='ltr'>(13)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2014/08/'> August </a> <span class='post-count' dir='ltr'>(12)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2014/07/'> July </a> <span class='post-count' dir='ltr'>(4)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2014/06/'> June </a> <span class='post-count' dir='ltr'>(12)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2014/05/'> May </a> <span class='post-count' dir='ltr'>(14)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2014/04/'> April </a> <span class='post-count' dir='ltr'>(8)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2014/02/'> February </a> <span class='post-count' dir='ltr'>(1)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2014/01/'> January </a> <span class='post-count' dir='ltr'>(1)</span> </li> </ul> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2013/'> 2013 </a> <span class='post-count' dir='ltr'>(41)</span> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2013/11/'> November </a> <span class='post-count' dir='ltr'>(2)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2013/10/'> October </a> <span class='post-count' dir='ltr'>(2)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2013/09/'> September </a> <span class='post-count' dir='ltr'>(3)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2013/08/'> August </a> <span class='post-count' dir='ltr'>(4)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2013/07/'> July </a> <span class='post-count' dir='ltr'>(3)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2013/06/'> June </a> <span class='post-count' dir='ltr'>(4)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2013/05/'> May </a> <span class='post-count' dir='ltr'>(4)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2013/04/'> April </a> <span class='post-count' dir='ltr'>(5)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2013/03/'> March </a> <span class='post-count' dir='ltr'>(4)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2013/02/'> February </a> <span class='post-count' dir='ltr'>(4)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2013/01/'> January </a> <span class='post-count' dir='ltr'>(6)</span> </li> </ul> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2012/'> 2012 </a> <span class='post-count' dir='ltr'>(51)</span> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2012/12/'> December </a> <span class='post-count' dir='ltr'>(4)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2012/11/'> November </a> <span class='post-count' dir='ltr'>(4)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2012/10/'> October </a> <span class='post-count' dir='ltr'>(5)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2012/09/'> September </a> <span class='post-count' dir='ltr'>(4)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2012/08/'> August </a> <span class='post-count' dir='ltr'>(4)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2012/07/'> July </a> <span class='post-count' dir='ltr'>(5)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2012/06/'> June </a> <span class='post-count' dir='ltr'>(4)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2012/05/'> May </a> <span class='post-count' dir='ltr'>(4)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2012/04/'> April </a> <span class='post-count' dir='ltr'>(5)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2012/03/'> March </a> <span class='post-count' dir='ltr'>(4)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2012/02/'> February </a> <span class='post-count' dir='ltr'>(4)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2012/01/'> January </a> <span class='post-count' dir='ltr'>(4)</span> </li> </ul> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2011/'> 2011 </a> <span class='post-count' dir='ltr'>(12)</span> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2011/12/'> December </a> <span class='post-count' dir='ltr'>(4)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2011/11/'> November </a> <span class='post-count' dir='ltr'>(4)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2011/10/'> October </a> <span class='post-count' dir='ltr'>(4)</span> </li> </ul> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2009/'> 2009 </a> <span class='post-count' dir='ltr'>(39)</span> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2009/11/'> November </a> <span class='post-count' dir='ltr'>(9)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2009/10/'> October </a> <span class='post-count' dir='ltr'>(3)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2009/09/'> September </a> <span class='post-count' dir='ltr'>(2)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2009/08/'> August </a> <span class='post-count' dir='ltr'>(4)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2009/07/'> July </a> <span class='post-count' dir='ltr'>(5)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2009/06/'> June </a> <span class='post-count' dir='ltr'>(4)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2009/05/'> May </a> <span class='post-count' dir='ltr'>(2)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2009/03/'> March </a> <span class='post-count' dir='ltr'>(4)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2009/02/'> February </a> <span class='post-count' dir='ltr'>(5)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2009/01/'> January </a> <span class='post-count' dir='ltr'>(1)</span> </li> </ul> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2008/'> 2008 </a> <span class='post-count' dir='ltr'>(72)</span> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2008/12/'> December </a> <span class='post-count' dir='ltr'>(11)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2008/11/'> November </a> <span class='post-count' dir='ltr'>(13)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2008/10/'> October </a> <span class='post-count' dir='ltr'>(20)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2008/09/'> September </a> <span class='post-count' dir='ltr'>(18)</span> </li> </ul> <ul class='hierarchy'> <li class='archivedate collapsed'> <a class='toggle' href='javascript:void(0)'> <span class='zippy'> ► </span> </a> <a class='post-count-link' href='http://studentloan-blog.blogspot.com/2008/08/'> August </a> <span class='post-count' dir='ltr'>(10)</span> </li> </ul> </li> </ul> </div> </div> <div class='clear'></div> </div> </div> </div> <table border='0' cellpadding='0' cellspacing='0' class='section-columns columns-2'> <tbody> <tr> <td class='first columns-cell'> <div class='sidebar no-items section' id='sidebar-right-2-1'> </div> </td> <td 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Student Loan

Thursday, 14 August 2014

Student loan | These Private Student Loans Can Be Easily Discharged in Bankruptcy

Student loan | These Private <b>Student Loans</b> Can Be Easily Discharged in Bankruptcy

3:12-ap-03171 – Davidson

Need Student Loan Assistance? Click Here

Not All Student Loans are Alike

What These Dischargeable Loans Look Like

221(d)(1) & (2)

I Know This is Boring But Keep Going

To make things easier, The Department of Education maintains a list of institutions online which you can search. Search Here

Just Because a School Offers Loans They May Still be Discharged

SLM Financial

But Don't Lose Hope Yet

Need Student Loan Assistance? Click Here

Don't Assume Your Private Student Loan is Not Dischargeable

Discharge Your Student Loans in Bankruptcy

USAvsDEBT

USDC Student Loan Services

Student Loan Consolidation Center

Wednesday, 13 August 2014

Student loan | How to Really Discharge Your Student Loans in Bankruptcy. Many ...

Student loan | How to Really Discharge Your <b>Student Loans</b> in Bankruptcy. Many <b>...</b>

Need Student Loan Assistance? Click Here

So Why Don't More Even Try?

Discharge Your Student Loans in Bankruptcy

Update

Update July 7, 2013