How do i get the student loans company to write off my loan without having to die / fake my death?
116469
I would look into bankruptcy before suicide. Or just pay your bill!
700226
I am sorry for your loss and my condolences to you and your family.As long as you or any family member has not co-signed on any of her debts the creditors will have to just eat that debt, as far as their constant harrasment you may want to provide them with a copy of the death certificate or mark the correspondence deceased return to sender and that may get most of them off your back .
424204
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.
298017
oops, i hope you did't use the ID you're using on this site coz maybe it would make a negative impression.  anyway try contacting a charity organization if u really have a need & u can't get a loan. example: local church, red cross, catholic charities, or united way etc etc
112809
Amazing!  7 straight incorrect answers!  You all should give back your answer points!!!!!\n\nThere is a Statute of Limitations on Debts.  The link below gives you the SOL for each state.  None are longer then 10 years.\n\nThe date starts from the time you defaulted on the loan.\n\nSo take a deep breath and relax!  Not only can they NOT sue you for the money, they can NOT place anything on your credit record.  Debts can only be placed on your record for 7 years.\n\nThe link below has a sample letter that you can use to write to the collection agency. It's called a Cease and Desist letter.  By law, the collection agency can no longer contact you.\n\nVery important!  Include in your letter that:\n\n1. The statute of limitations on this debt has expired.\n\n2. Demand that if they still insist the debt is legit, that they VALIDATE the debt.  \n\nValidate is not the same as "Verify". It means that they must supply you with all proof that the debt is legit.  That includes copies of bills, contracts, receipt, and statements to trace every dollar you owe.  \n\nVerify a dept simply means they will contact the original debtor and ask if it's legit. If they say it is, then it's now a "Verified" debt and they will continue to hound you.\n\nNeed more help contact me.  \nDon't worry, I'm 100% certain we can get these guys off your back.
375167
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.
1161408
Your loan agency (the government, or a private institution) will distribute the money to your college, usually about 4 weeks after your semester has begun (for a full length semester).\n\nThe school will then use the money to pay off any outstanding debts you have (for classes, for registration, for tech fees, etc.).\n\nMoney that is left over, will be given to you in the form of a check, about 2 weeks after that. \n\nYou then have the option of either returning it to your loan agency (so you won't owe more later, and so you don't reach your loan limit before you have finished your degree)...\nOr cashing it and sending part of the money back to the loan agency (same reasons as above, plus building up a good line of credit, showing you pay your debts)...\nOr cashing it and either spending or saving it.\n\nI suggest using what you need for books, then sending the rest back to the loan agency, or depositing it into a bank account that will give you interest. Keep this money separate from the rest of your spending cash or it will soon dissapear, and remember, you always pay interest so you always end up having to pay back more than you borrowed (which is why I returned the checks, uncashed, to the government, my first two semesters in college).\n\nBy the time you get to your last 1.5 years, try saving all the money...because 6 months after graduation, you have to start making large payments to the loan agency, and if you don't have a good job, you won't have the money on hand...so save their money and pay them back with it!
1157674
Contact all credit companies NOW. Tell them you Will not guarantee any additional purchases and you want the account closed. Follow up with a written letter. Keep a log of everyone you call with time and date.  Request a copy of his loan balance and the agreement you signed.   You need to establish a "cut off" point so if the credit companies continue to extend credit it will be at their own risk not yours.\n\nNext ask the "dead beat" if he has anything to sell you to pay off his debt. (Get anything you can. Something is better than nothing.) make a list of what you get and how much it is worth. Send that amount into the credit companies directly. Don't give the money to the "dead beat".  Ask for a lien on his car. Tell him that will help you get a loan if needed to pay off his debt.\n\nNow it's 10 days later. Ask the "dead beat" how much he can pay each month towards the debt. Don't put him into a situation he can't live with it will just be a bigger problem.  Now call the credit companies ask ask for a reduction in interest rate and a payment schedule that you can afford.\n\nNow comes the time to KICK yourself in the butt for doing a "verbal" agreement and letting it go this far.
931640
i was in same situation.sent the money.didn't get the loan.that's  their  fee to look for a loan.the finance  company  make the final    decision.which is a credit check.so don't send the fee.its a con
435273
Some credit card companies will write off the debt if you send them a death certificate others will want the payment but if the house is the only asset I would ask a lawyer first.
60253
As a customer service rep, I am sorry to hear about your frustration regarding your student loans.  Since I am not at work right now, I can speak my mind and give my personal opinion.  You may want to become acquainted with the Better Business Bureau if you have not thought about that before.  Allow me to introduce you (see links below).  You may want to consider filing a complaint with the Better Business Bureau.  You would have to explain the details in detail (literally), but you would get your problem resolved promptly.  If you have the proof (receipts, invoices, etc.) to show that the bank completed a double transaction, they will request that for resolution purposes.  If the bank is doing this to you, it's highly likely that there are other customers that have experienced similar frustrations.  Sure, there are periods of time when companies get busy and you may not get the immediate answer that you want, but reasonably, something should have happened within two weeks or so.  You had stated that your loan payment was in October.  This is now January...they should be getting a move-on AND I don't blame you for wanting to take your business elsewhere.  Try one of the links below for additional contact information.
1129551
I agree with the above poster. If you credit is good, you have other verifiable income you may be able to stay with the same lender; if your up front and honest. Just prior to funding the loan the funder is going to call your employer to verify your still there. Guess what happens when she finds out your gone? Loan dies and now your already at your closing date.\n\nIf you have a month to go before closing you have lots of time to find a solution. If your credit is as good as you say you may be able to go no doc (no income, no assets, no employment) or a no employment verification only but with verified assets etc...\n\nBe up front and honest and you should be ok.\n\nIf you would like to discuss some alternatives to your situation drop me a line.\n\nKevin 866-562-6838 x 106\nkruorock@firstratelending.com\nwww.firstratelending.com
670544
All "Student" loans require at least enrollment verification: proof that you are enrolled in school.\n\nThat's not the same level of involvement that I think your school means when they say they dont get involved in student loans.  My university obtains the loans for me, gets the money, applies it to my university fees, and gives me a check for the remainder.  Your school says they won't do that.\n\nBut they should do "enrollment verification" because that's also what you need to prove you are enrolled in order to stay on your parent's health insurance until your 25th Birthday.\n\n-EN-
797004
You aren't going to get your money back.\n\nAny loan company that asks for fees up front is not legitimate.\n\nThey are not based in the USA, so other than taking a report, law enforcement isn't going to be able to do much of anything for you.
70025
It depends on the type of the loan. Hopefully you actually read any attached promissary notes and conditions before signing them.  Some loans are contingent on being a full time student, and come due immediately if this status changes.  Certain Federal PLUS loans come due immediately even in the event of the student's death, so I highly doubt car trouble would be a sufficient excuse to get payments deffered.  I would advice you to contact your lending bank immediately to read the details of your loan.
951718
You can talk with your university about getting a computer loan. I had several friends that got their computers this way and didn't have to pay back the loan until they graduated.
226166
Federal Aid is always your best option.  Even if you are not interested in the loans the the Department of Education provides, most scholarship organizations (including *colleges* that offer scholarships as part of their financial aid packages) are going to require you to file a FAFSA (to demonstrate your financial need).  Your loan default (I'm assuming here that your default was on a Federal loan) will show up on your FAFSA, plain as day and preclude you from obtaining further federal aid... that is, until you clean up your record.\n\nAs such, you need to resolve your default (not simply because you need Fin. Aid now but because a loan default will haunt you and your credit report for years).  Once you are out of default (which usually means making a certain number of on-time payments), you will again be eligible for Federal Aid and you will be much better off.  In fact...\n\nIf you are an independent student seeking your first undergraduate degree, you will not only be eligible for federal loans but grant aid as well (depending on your financial need).\n\nIf you choose not to resolve your default: there are private loan companies will still give you a loan.  You can do simple internet searches for education loans, but to make sure that the company you choose is legitimate, check with your college Financial Aid administrator. If you *must* go this route, it is in your best interest to pay attention to interest rates and repayment terms (remember: your loan default affects your credit which in turn affects the rate that you receive on your private loan).\n\nGood luck!