I am a teacher and a combat veteran in financial distress.
122557
You could be a prime candidate for loan forgiveness (or cancellation), depending on what types of loans you have and where/what/who you teach (and how long you have been teaching).  See the link below under sources for the specific wording of the regulations that govern teacher loan forgiveness.  \n\nPerkins Loan Cancellations are made for special education teachers; teachers in low income schools (schools eligible for funding under Chapter 1 of the Education Consolidation and Improvement Act of '81); and "teachers of math, science, foreign languages, bilingual education, or any field of expertise determined by the state education agency to have a shortage of qualified teachers," and "providers/supervisors of the provision of services to high-risk children from low-income communities and their families."\n\nStafford and Perkins loans each have their own criteria and their own forms.  Look into both of them (if you have both loan types). You will need to request cancellation forms from each company (lender or service) who holds your loans.\n\nEffective July 2006, teacher loan forgiveness provisions are being expanded.
207808
go to your schools financial aid department and ask for assistance
338082
I teach in CT and there is a surplus here.  Social studies and English/Language Arts
292676
i am a victim of this stop loss system, and it was like a slap in the face for me because i had plans on finishing college. even though i went to iraq from 2003-2004, the army made me go back to iraq again from 2004-2005. the stop loss did me wrong!
96239
Entitlement, military and debt service.
222366
if you are not sure whats happening, i would check with an attorney-if money is tight, see if you have a law school in your city, or a nearby city-they might have a legal clinic there- i would not wait till the last minute- i would check with the mtg co one last time- see if you can talk to the person who is handling your case- their mgr or superior or the company president or executive vice- president- you need a straight answer-yes or no- today- and if the answer is not yes- then call the law school's legal clinic asap- and make them aware of the sale date of june 8th- get some help on your side asap- dont sell the house, try and save it- if you know a CPA they might be helpfull also- see if the leader of your church can help, by calling the mtg co president to get a straight answer- as a clergy member, they might listen to them more than to you- though frankly, if it has taken you 3 weeks of calling repeatedly, to talk to the person in the mtg co, that is handling your case, without getting a straight answer- i would only waste 1 more day trying to speak to an executive of the mtg co, before going to a legal clinic or CPA for help ASAP- if i can be of any help- please holler back at me- i am a retired CPA & CFP & Independent insurance broker in fort worth, tx--good luck to you !!!
262138
I'm sorry to hear about your husband, but you seem to be doing all you can do right now with out killing yourself. I would suggest trying to borrow from a friend or family member. Sometimes we find that we have to sacrifice our most prized possesions in times of need, do you have anything you can sell worth value. I had too sell off my horses, that really hurt, but it was something we could live without.  Are you making payments on a car, if so you may want to try to work with refinancing or something to lower payments..  Good luck, things always work them selves out.. PHB
34933
Well, that would depend on WHY your contract is not being renewed.  If it is a result of something like downsizing, elimination of position, etc, then it wouldn't hurt.  But if it is a result of poor performance or a discipline issue, then it could hurt you if you plan on still teaching.
67455
so shy,\nI really feel bad for people in your situation.  But fear not, there are a few things you can do.\n1.  Being that you asked this on a religious board, I'm assuming you belong to a church.  The first thing you need to do is talk to your church leader about this.  They can take up a collection for you to get you out of some immediate debt.  \n2.  You need to really decide what is luxury and need and cut out the luxury for now.  For example, if you subscribe to cable, cancel it.  Unless you need the internet for work, cancel it.  There's an extra $50 a month right there.  \n3.  You can see if you qualify for welfare.  Your local welfare office can help you with this.\n\nI hope this helps and God bless you with your finances.
234236
I have paid hundreds of thousands of dollars in taxes. I put my life on the line every day for America. I have gone without sleep and food. I have been half frozen and nearly died of heat exhaustion and others that would have killed me. I have stared death in the face and beat it back more than once.
32289
hell yes.  here i am serving my country only making 25 cents an hour and putting my life on the line while there's people out there who have no idea what it takes to be in the military and what we have to deal with yet they make hell of a lot more money than i do.
84250
My wife and child are moving to a different city.  I am moving to yet another city.  \nI am going to be homeless again after many years.  \nI have more debt then money.  \nA very serious entity has destroyed me and my life and I am in the process of rectifying things.\nMy life has been a poorly written movie and it just got worse.
222091
Well, that sounds good to me.  I don't think I have ever before heard a teacher happy about the amount left after taxes .... at least that is how I am interpreting your details ... or do you mean you don't have much left after taxes?  My thoughts would be to go where you are happy and where you feel you are making a difference.  Those of us who make a career of teaching don't usually do it for the money.
614618
I was in the Army National Guard 12 years ago and suffered a shotgun wound to my foot. I will be leaving in 2 weeks to go back to Basic Training for Active Duty in the Regular Army as a Cavalry Scout. I have had more civilian jobs than I can even count over the last 12 years. They never satisfied me or my bosses were such idiots that I couldn't stand it. It is the most awesome feeling in the world for me to realize what my purpose in life is. Most people never get that opportunity in life. I am proud to be a soldier in the U.S. Army, and I would sign up for the rest of my life if I could. I am not looking forward to the day when I will have to be discharged. I pray for the chance to get to go to Iraq or Afghanistan or Iran. I can think of nothing more honorable than to participate in your country's history and the history of other countries for the cause of peace and the destruction of pure evil on this planet.
365941
Contact your VA office in the area. If the person is a Veteran and need of health care it is a possiblity that he can recieve it that being he can not afford it or whatever the case may be.
58483
Hey, I've been following your line of questioning.  You seem to be in a tight situation.  I don't want to sound like I'm lecturing you but there are many great books out there to help you in your situation.  You might try Suze Orman, she is a guru on personal finance and getting some tips from her books will save you $loot$!  \nI was in your same situation, I went to school and got lots of debt trying to get my M.S. as well.  I even filed for bankruptcy.  Even when you do that it is not over.  I learned a big lesson on personal finance that way.  I now have a 728 credit score, I own 3 houses, one credit card with a $13000 limit (i never carry a balance over), I lease a $38000 car with no downpayment, and can get financed anywhere I want, if I had to.  Plus, that bankruptcy is still visible on my Credit report (it was almost 5 yrs ago).  Hopefully you will never have to do that. \nAll I'm saying is, stick with it.  Don't let other people tell you it's really bad where you are.  It is going to get better, it is just going to take some time.  If I were you, I would keep renting, especially if you have some debt you need to take care of. UNLESS you are going to get into income property, such as a duplex, that pays for itself b/c of the tenant's rent pymnt.  You are doing the right thing and getting the facts about how to overcome your current status.  \nYou really should call the company about your above question.  When lenders get the sheet on you, they look at the money you owe.  If you owe twice as much as you really owe it is going to look horrible.  One of my reports said I owed the Dept. of Education twice the amount of my school loan!  Can you imagine?  Over $80K!  That looked real bad.  It really doesn't matter if it is a duplicate, lenders only care about the amt. you owe against the amt. you earn.  \n\nGood luck friend!  If you ever have any questions or advice about personal finance I am willing to share with you what I did or read to do it, I really like to help people with finances.  I'm not a guru just a real person with a similar background.\nqumungis@yahoo.com
65755
This will be touchy.\n\nPlease don't take this wrong. \n\nI don't know if you can do anything about it or not, even with some legal help. The way everyone else is going to see it, is that you broke the law and went to prison. You could not pay the loan bills because you were in prison. You were in prison because of drugs, which is against the law. So, being that you can't pay a bill which you "voluntarily" took on by getting a student loan because "you" broke the law, then the collectors or whoever is not going to be merciful. \n\nPlease don't think I am being a butthole. I am in the military and after a couple of years, I understand how people of authority think. They don't care about how you got into the situation you are in or why. All they see is that you got yourself into it. They also know that you know right from wrong. So regardless of what you saw growing up, or if you come from a broken home, or if you were in the wrong place at the wrong time or whatever could have possibly led to your situation. All they think is, you are responsible for your own actions. \n\nSo in their eyes you are responsible for your debt. Regardless of what has happened from the time you took on the loan until now. \n\nLike I said, please don't take this wrong. I am not lashing out at you or against you. I am just telling you how they are most likely thinking. I am not judging you or condeming(sp?) you. \n\nSo seek legal help ASAP. I wish you luck.