How to get help paying off student loans when they say we don't qualify for help?

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callis_hol

I have tried my best to show my 3 children that there is a silver lining to everything but at this moment I am trying my best to stay true to that.I have been hitting a series of bad luck lately......Last year, had to have emergency surgery for a hysterectomy due to cancer, husbands appendix popped, got into a car accident, broke my ankle falling down stairs and got bit by a snake..........Now in this year of 2012 I started out in January in ICU due to kidney failure and was there for 9 days then out of work for the rest of the month for recovery, then on February 11th my mother-in-law passed away due to a heart attack. (Won't lie sort of scared for what March has in store for me) I am 27 years old and I have a BA Degree in Criminal Justice. When I started going to school I was told I could get a job with any police department in the state but come to find out the school I attended was National Accredited and not Regional Accredited, which I didn't know until I graduated due to the school never informing of this information. The police departments will not except my credits for the police academy because of this, so instead of the job I went to school for I now work Security making only $16,000 a year when I was promised to make at least $45,000 a year. My student loans equal up to $53,000 and I can't afford them. Plus don't qualify for any help because I am married and we make almost $45,000 together. With gas prices going up as well as food prices, we are struggling as it is. We live pay check to pay check paying rent, electric, water, trash/sewer, car payment, insurance and phone. Not to mention what the kids need for school and medical expenses as well. I seriously could use all the help in the world at the moment as well as one great good luck charm, so if anyone could help me I would very much appreciate it. Thank you for your time.

Answer
I am so sorry you were ensnared by the questionable practices of a for-profit/career/proprietary school. I am sorry you believed the sales hype the school made.

Unfortunately, you still need to work on repaying the student loan funds. Depending upon the lender (or lenders) you may be able to arrange for a reduction in the amount you must repay each month or obtain an economic hardship deferment. This is a link to some information about that:
* http://studentaid.ed.gov/PORTALSWebApp/students/english/difficulty.jsp

Without knowing if your loans were through the Federal government or private student loans, I can't direct you much better. You will need to talk with a real person at the agency or company that is your lender. Your loan paperwork should note a phone number to call.

You do not mention the name of the school you attended and the state where you live. A number of for-profit schools (their main focus is to earn profits for their shareholders) are under investigation for fraudulent practices by the attorneys general of many states.

If you do not know how to find the information on how to file a complaint with your state's attorney general's office, feel free to send me an email through Y!A (click on my screen name and click on the link to send Juanaquena an email) giving the name of the school and the state where you live. I will be happy to give you information on filing a complaint.

To help warn off others, I also suggest you post your complaint about the school you attended through the CollegProwler.com web pages:
* http://www.collegeprowler.com
Use the search box in the upper right corner of the home page, enter the name of your school. Once you are on the web page for the school, scroll down toward the bottom of the page to Register with CollegeProwler.com and write your review of the school and give your warnings to others.

Added:
"Notify the Federal Student Aid Ombudsman at 1-877-557-2575 or www.ombudsman.ed.gov if you have a complaint that you cannot resolve with your lender."
Source:
https://studentaid.ed.gov/students/attachments/siteresources/loansAvoidDecep.pdf

And . . .
[Quote]
If you suspect fraud, waste, or abuse involving federal student aid, e.g. Pell Grants, Direct Loans, etc., or if you believe that school personnel have misrepresented any aspect of the educational program, its cost, or its outcome, you should contact the Inspector Generalâs Hotline at 1 800-MIS-USED or http://www2.ed.gov/about/offices/list/oig/hotline.html?src=rt.
[End quote]
Source: From: Student Aid on the Web
http://studentaid.ed.gov/PORTALSWebApp/students/english/faqs.jsp#Que18
Question 18. What do I do if I suspect my school operates in a deceptive or fraudulent manner?

Librarians--Ask Us, We Answer!
Find your local Public Library at:
http://www.publiclibraries.com/
Find your College/University Library at:
http://lists.webjunction.org/libweb/Academic_main.html

Best wishes

Should I leave my Girlfriend.?

Needrelati

Please read this all before you answer. We have 3 kids. I am 26 she is 28. I have a doughter with another girl (an EX)She has a kid with another guy) and we have one together that 9 months old. Her daughter is scheduled to start school in 3 weeks. If we brake up She leaves and moves 35 miles away making visitation and REAL problem not to mention her 4 year old is excited about school. We have all been together 2 1/2 years.

I pay for everything and I get no respect or appreciation! If someone paid for everything for me, my car, my car ins, my house, cable, rr, electric, heat, a NICE house at that, my bills (HER student loan she donât use, Her car, Her car insurance. Id be mad appreciative, SHE IS ALWAYS MISERABLE even though I do that.
Id clean and do everything just to say thank you if someone did it for me. I had to pull teeth to get her to clean keep the house clean when she first quit her job and was HOME all day!!! We had an argument over it. She was like I canât do that duh duh duh.
She was mad I wanted to move a room (The kids Play room, to have a nice living space)in the house I pay for her to live in when the kids have their own room, not like its one room with no room, they all 3 have their own rooms. They have plenty of room for their toys. I NEVER had my own dedicated ROOM for my toys! But somehow she thinks she can argue with me and give me an attitude and piss me off and make me in a bad mood over wanting to move this room in a HOUSE that I BOUGHT with the Good credit âIâ established and the MONEY I worked to save for YEARS!! She donât even have good credit.
I been telling her to get a job and I canât afford all this by myself! Since she hasnât been working all my savings is gone and I didnât get paid for 2 weeks because of a surgery and I canât bounce back because I had to pay bills WITHOUT her help! She has a 100,000 DEGREE she CAN MAKE enough money to put them in daycare and CONTRIBUTE to the family finances. But she is SOO self conceous to the point where she is scared to do good in a interview or contact employers after I HAVE to send her Resume.
She has a food problem because she said she didnât have allot of food in the house when she was growing up and makes demands to spend ALLOT of money on food even when I AM THE ONLY INCOME and we donât have ENOUGH TO DO THAT! she expects even after I do everything I do that she can make demands and make me pay ALLOT more than necessary for food or she gets mad at me and bitches for MAD LONG and she isnât even working.
I made her resume with her, then I had to submit it to employers, and a week later when she didnât hear back I HAD TO FIGHT with her to call these employers to the point where she made excusses that she could not find their number but when I looked on the computer they poped up the first place I went. She aint really trying to get a job, I need someone to help NOW with the finances. Its been almost 9 months and she has been told numerous times she needs ot help and STILL hasnât gotten a job. It it werenât for the kids I would have already found someone else to HELP ME!!
She has a 100,000 Student loan I PAY FOR and she doesnât even WORK!! $300 EVERYMONTH!! Still has balls to make demands over food and moving a room in MY HOUSE.
I come home and with everything I do she is STILL miserable!! We donât get along as a couple, She is mean to the kids, miserable and has an attitude with almost EVERYTHING she says to me or the kids, she actually had to put effort into being lovely after we had to argue about her LACK of LOVE towards the kids.
She is not a house mom kind of thing she actually had to work on being lovey with the kids
She has MAD other debt that she just decided to never pay (MONEY if we ever got married IâD be partially responsible for) she isnât even really concerned about paying bills on time, itâs like pulling teeth to make sure she does that stuff on time. I HAVE to pay everything or it will not get done right! Then were just asking for another fight when she said it didnât get DONE!
She causes me money and stress on the regular, (Told me once that we could rent a car with a DEBIT card and we couldnât RIGHT before we left for VACATION, She gets a Suspended license ticket because she failed to get HER CAR INSPECTED and then blames ME for not getting âHERâ fucking car inspected. This all happens RIGHT after I donât get paid for 2 weeks from the SURGERY when we need money.
When I get home and she is mean to the kids which pisses me off then we argue, Or we argue about any other number of things, she gets tickets and DONâT know to even save the receipt, Which would make ME pay more money so SHE can have a LICENSE and since she doesnât work, it FALLS ON ME! She PLAYS DUMB but she has a fucking $100,000 bachelorâs degree so I KNOW SHES NOT DUMB!!
Im DONE with her not doing her part as a MOM, I NEED a nice loving MOM for the KIDS, She a robot and does dishes and cooks but other than that she is MEAN to ALL of us. S
She is ANTIsocial and has not even made one friend in 3 years!. I need someone I can be happy with when I LIVE with them. I need to get along with my roommate or significant other. I need help with MONEY and to pay the bills. But she seems to NOT be able to or willing to get a JOB.

Donât get along as friends
Makes no money
Unable to or unwilling to get a job to help
Even sex life is not what I would call GOOD. (thatâs a whole NOTHER story)!!!
She is ANTIsocial and has not even made one friend in 3 years!. I need someone I can be happy with when I LIVE with them. I need to get along with my roommate or significant other. I need help with MONEY and to pay the bills. But she seems to NOT be able to or willing to get a JOB.

Donât get along as friends
Makes no money
Unable to or unwilling to get a job to help
Even sex life is not what I would call GOOD. (thatâs a whole NOTHER story)!!!

We have had numerous arguements and calm conversations and the same thing always happens. whatever the problem was fixes for 1 week the BACK to normal. HEELLPP!!!

Answer
Well you should think of your kids and yourself. if you are that unhappy then that isnt fair to the kids to stay together just because of them. if shes not willing to make things work and contribute to the family then your relationship will never change and you will be even more unhappy.

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Title Post: How to get help paying off student loans when they say we don't qualify for help?
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