deferments

Try contacting a debt consolidation place they have you give them copies of all of your last statements and then you just pay them every month and they pay off your debts.

Tampagirl has a great idea. Some places that are county or city subsidized will take your info, do a mathematical federal gov't equation and will tell you if you qualify. The only setback I found was even tho my dh and I were eligible because of the money we owed, there is a stipulation from the feds that say you have to have x amount of money for food? And somehow that figured into the equation and we never rec'vd help from them.

I checked out different agencies and you need to be careful, there are alot of sharks out there. That is why I'm suggesting you contact your community services to see if there is a facility that helps people for free or according to your income fee.

The office I went to told me they would contact all of my creditors and ask for lower interest rates. And then you would make 1 payment to them and they would disperse the monies accordingly. Just a thought.

Many lenders allow for "hardship" forebearances and deferrments. These can allow you up to 5 years to pay back your loans due to times of unforseen financial difficulty. Check with your lender at their website or give them a call.

It is my understanding (as well as my experience) that you automatically are eligible for a one time six month forbearance when you leave school. Perhaps this could buy you some time.

I have had several forbearances (some for medical reasons, some for financial) and have never been asked for any type of "proof" such as earnings statements, family budget, etc.

I thought that student loan "vendors" had to comply with federal laws. I know for a fact that under federal law you are automatically allowed to have a set number of forbearances.

The problem I have with my lender is that when I call for customer service to request a forbearance or information, I can't understand a word they are saying because the people who answer the phone are in India or Pakistan, something like that. It's frustrating.

I know what you mean. I think my best option is to consolidate, but the gov. won't put my private loan into it and thats the one that has higher interest, though it is'nt for a large amount. Whats a good reliable company to go through? I was thinking maybe Sallie Mae or Goal Financial. You guys heard of the latter? I've also got notices in the mail saying I can refinance and get a rebate back from companies such as Academic Loan Group among others. How do you know which ones are legit?

Try debt consolidation..

I used Consumer Credit Corporation.

I had to cut up my credit cards, but nothing worse than aying for stuff that has been destroyed in a hurricaine.

Try debt consolidation..

I used Consumer Credit Corporation.

I had to cut up my credit cards, but nothing worse than aying for stuff that has been destroyed in a hurricaine.

Off subject I know, but what a point about your loss. I can't imagine living through that, glad you did!:trout: