Can they stop me from traveling out of country because of an outstanding student loan?\nI have an outstanding ontario and federal student loan, you see im on dissability for my eyes and am unable to repay it however they wont listen to reason as the government has none so it is outstanding and i believe a portion if not all ahs been trasnfered to a collection agency. I have plans to travel to the US shortly but i dont want to buy my tickets, get to the airprot and find out that i cant leave, is it possible for them to do this?
216852
Yes, they will not issue a passport.
337523
Call the lender (or, possibly the collections agency if your situation has gotten to that point).  Many companies are willing to work with you because defaulting on a loan is bad for their business, too.  However, you have to show them that you are a responsible borrower:\n\n1.  Explain to them what happened (tell them just what you told us here)\n2.  Tell them that you will take responsibility from now on (the loans will always be in your name, so even if your mother still plans to pay them off, you should still keep a watchful eye on your account balance to make sure that she is never late) \n3. Ask what repayment options you have at this stage.  Some lenders will put you into a forbearance in order to alleviate your payment problems.  Other lenders will recommend that you consolidate your loans in order to lower your monthly payment.  Others will, as you suggest, devise alternative payment options called an "income contingent" or an "income sensitive" payment plans.  Ask them if they can do this and, if so, whether they can make your payments close to $50.  Generally, once you make 6 consecutive payments on time, you will be out of default, which will help your take-home wages and your credit report in the long run.\n\nRemember, too, that collections agencies deal with a lot of lazy people -- show them that you are different.  If the person you speak to is having an "off" day or doesn't seem willing to help you, try again.  Consider asking your former Financial Aid Office to contact them on your behalf (I have done this for students) -- sometimes they are more pleasant when dealing with someone "in the business."\n\nFinally, one of your rights as a Stafford or Perkins Loan borrower is that you be allowed to speak to an ombudsman when things get rough.  You can find one and learn about what they can do at http://www.ombudsman.ed.gov/  (Basically, an ombudsman is an individual who resolves disputes through an independent viewpoint; they do a lot of impartial fact-finding to make sure that you have been treated fairly.)
387383
I have heard of many spouses flying from overseas back to the US on a mac flight but not with travel within the US.  I have to say many of the stories about mac flights are not the best though.  Your flight is almost never direct and whenever you have a "layover" if a military member needs your seat, you have to give it up.   You could easily be waiting a day or 2 to get another flight.  Not the best idea with kiddos.  Oh, also they don't pay for your accommodations if you get stuck.  Its probably best if you just pay for your flight.  Good luck though!
614245
Of course you can! These things are almost always non-binding. In fact, most schools will cancel your financial aid automatically when they find out you're not attending.  \n\nIf the grant is a federal grant, the process will be taken care of for you, since one of the fundamental rules of financial aid administration is that you can't disburse funding for a student who isn't attending your school.  As I said, if you told your school that you aren't coming, chances are that they already cancelled your grant.\n\nIf the grant is from the school itself, chances are that the regulations are similar.  No school wants to throw their money away on a student who doesn't go to their school, so they will check and double-check to make sure that you are a student there before they disburse your grant funds.  If you are uncertain, just give them a call to confirm this.
339722
at one time there were allowed, but the attorney had to word it just right and everyone had to approve of it....but several years ago approximately 10 years ago the government and the financial people figured out that a lot of students were using bankruptcy to get out of paying their student loans..a lot are either government money or insured by some type of government loan..so the government said we need to put a stop to this, and I believe they did just that...\nso at this time I say the answer to your question is no..\nsorry...but no..hey I am still paying for mine....I just wish they would cut the interest way way down...\nbut I would ask a really good attorney this one before you make any decisions...\n\ngood luck
86833
hi, i am a graduate student at the university of toronto.  \n\nall you have to do is apply; at least at my school they guarantee funding for all graduate students.  i believe this is true of all universities in ontario, and may be true across canada.  the claim is that admissions decisions are made with a blind eye to nationality.  so go and look up some departments' websites!
179414
Im guessing you got that notice in the mail from some consolidation company. If you've taken student loans, I would first consult with the financial aid office or the equivalent, or your personal bank and make sure it's not an adjusting rate as you pay it off.
455124
Hello Lina M,\n\nChanging the state you reside in will have no effect on your federal student loans.. \n\nYou can go to any college within the US and use your student loans to pay for them..\n\nIm sure you have(or may have) many questions about student loans. I have helped numerous people from this site both better understand and also apply and receive federeal student loans..\n\nI would be happy to do the same for you..\n\nI work with Student Aid Lending, we are a nationwide title IV lender administered by the Department of Education... I would be happy to assist you with the consolidation process.. \n\nTake a look at my yahoo 360 profile.. There is alot of helpful information there for anyone to view.. You can also find the direct link to my website..\n\nhttp://360.yahoo.com/my_profile-hluduhmi...\n\nIt is actually a VERY SIMPLE process, it can be completed in 10 minutes over the phone and internet...\n\nFeel free to call or email me at any time.. Im available at all time to answer any questions or concerns you may have..\n\nI hope this helps!\n\nJason Fry\nStudent Aid Lending\n1-800-964-0642 ext 114\njasonf@StudentAidLending.com
189215
You can't go bankrupt on student loans!! Get over it.  They will eventually collect all the money including interest one way or the other.  Worst creditor in the world.  Figure out how to pay it back as soon as you can.  They are now garnisheeing Social Security Retirement and Disability Checks!!  So even if you still owe something at age 65 they will continue collection against you. One of few debts you cant go bankrupt on.  Even the IRS will negotiate with a taxpayer.  Not the student loan folks full payment full interest.  It will only get worse if you don't make payments.
384681
yes. they are cuthroat with student loans. student loans never go away. the goverment can do this because they own the loan. a normal company would be past the statute of limitations. call the loan company and ask for a deferment or to set up payment plans. they are also the easiest of creditors to deal with in my experience.
240270
If lenders know you're a US or Canadian citizen, they're likely to pull your credit report in your home country.  I would recommend paying the bill... whenever possible and/or work out an agreement... mayber they'll settle for less.  Negotiate if possible.  If you don't do it now... it will catch you later.  Best Wishes, C.
61110
I was in your position once.  You apply for FAFSA and they give you a Pell grant (or not) based on parent's income (family's calculated contribution).  Recently, Bush cut from the budget of Pell grants, so you may not be as lucky.  You do not have to pay back student loans until 6 months after you have left school, but college is worth every penny and every loan I took out, so I hope you will make a way. If I could, then anyone can.
555992
I don't have an exact answer, but I do have an idea.  Why don't you go to the financial aid office and ask them the same question.  I am sure you wont be the first person to have had this difficulty.  They will most likely have the answer.  I would ask the person who has been there the longest.  They can probably tell you which loans you will still qualify for and how to keep from having to pay your student loans until after you become a pharmacist.  Good luck with that too, one of my best friends is a pharmacist and she loves it!
163731
set up a meeting with the advisors in the financial aid office of your school. you will have to declare emancipation from your parents. that means they will not be able to declare you for income tax purposes in the future but you will qualify for far more aid than you would under their income. \ni'm pretty sure that load in default will continue to haunt you anyway. you need to notify that loan company that you are still attending classes so they can defer the loan while you are still studying. don't stop until you get someone to listen to your story.
156915
Pay the fine, and get insurance before you get back in your car. You are playing Russian Roulette with your future, don't you realize that...it has nothing to do with the fine, it is about LIABILITY. Should you happen to be involved in an accident, whether your fault or not, you WILL BE BLAMED, as you were driving illegally, and you will be at fault...that can get very expensive...so much so that it can follow you the rest of your life as you pay, and pay, and .....pay. Don't be a chump...no excuse you can come up with justifies such a disregard for your future. \nOntario?  AS in Canada, or a city in the US??  IF in US, OVERPAY the fine by 5.00.  You will get a refund check, but DO NOT CASH IT!! As long as the accounting on this ticket is open (can't be closed if there is an outstanding + or - balance, usually, no points can be assigned to your driver's license. IF it is Canada, no points will show up anyway.
440077
Regrettably, I'm going to go with you can't. I suppose you could appeal to Nigeria's government, and you should,but they may be powerless. Also consider they unfortunate possiblity you may be too late. Don't send money, and most definitely don't go there yourself.
453230
Your  question seems unclear to me, what bills are you referring to?.\n\nIf you are talking about outstanding loans or payment, its quite impossible the bank officers wont help you. Speak to someone with a higher authority or if you have Internet banking you can actually check this on line (depending on each individual bank's web feature).\n\nGood luck.