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#1387 - 10/24/2001 06:58 AM Student Loan Trouble

When I was 18 I got a student loan, but did not understand what was going on being so young. I have forgotten about it until I tried to get assistance for school. Now that my loan is in default I am unable to get financial help. I have tried all things. I am not able to pay a lot for school being a housewife and mother. Is there some kind of way for me to get the loan defered until I finish school?

#1388 - 10/25/2001 09:48 AM Re: Student Loan Trouble
Admin Offline


Registered: 12/10/2008
Loc: California
Hi Angelique:

Unfortunately if you default on a federal student loan, you are not eligible for additonal aid until you once again show good faith or qualify for deferment. Please reference the Department of Education's guide to defaulted student loans:

It lists all your options and frequently asked questions about repayment.

Good luck to you!
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#1389 - 12/14/2001 19:38 PM Re: Student Loan Trouble


Don't forget to ask the Department of Education about rehabilitating your loan.

#1390 - 08/18/2003 21:14 PM Re: Student Loan Trouble
Lirpa2002 Offline
Junior Member

Registered: 08/18/2003
Loc: FL
Angelique, I promise that I am not picking on you but do have some questions. Are you saying that because you were young, that you did not know that you were obligated to pay back these loans? Didn't they keep sending you bills and reminders after you left college stating that you owed this money and what default meant should you not start making payments?

Excuse me for saying so, but I keep seeing these messages all over this board asking similar things. When I finished college in 1987 and got my B.S. Degree, I was young too but very aware that I MUST pay back these loans beginning 6 months after graduation - no ifs, ands or buts. I never even considered defaulting on a loan that I had asked money for.

So I am just wondering why so many tend to think that if they do not pay off old loans that they might be able to apply through these same channels and all will be okay so that they will be given another loan that most probably will not be repaid? Sorry for this post if it sounds negative, but this sounds like a question of a persons ethics. I can understand if someone finds at a later date that they are homeless and cannot pay the bills, etc., but for some of these same people who have defaulted on these loans to try to get money from the people who they have burned seems irrational. Makes you wonder why they will flat turn you down if you have not repaid other loan... confused

#1391 - 08/26/2003 20:12 PM Re: Student Loan Trouble
ladybird075 Offline
Junior Member

Registered: 08/26/2003
Loc: Atlanta

I was in the exact situation that you are in about a year ago. The best thing you can do is to talk to who ever has your loan account right now, most likely some collection agency, and try to work out some sort of payment plan. Most places will work with you if they see you are willing to make an effort. It'll take several months and several large payments for you to pay it out of default - after that the US Dept of Ed. will probably take the account back from the collection agency and convert it to "active" or "normal" status. You should then be able to start applying for some financial aid. Good luck!!


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