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Kansas

The following are testimonials submitted to this site. To tell your story, please go here.

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Red

I like a lot of other people believed that borrowing the money for college would allow me to successfully be a contender for a good paying job. When I graduated from Wichita State University in May 1990 I had $36,000+/- in Student loans.  After completing college in May 1990 I was able to advance in the Sears Telecatalog organization.  I was promoted in Nove 1992 from a Supervisor to a Customer Service Manager and 3-months later Sears announced the close of the catalog business.  My marriage dissolved and for the next 3 1/2 years I worked my way up from $5.15 per hour to making $10 per hour working temporary jobs.  In May 1998 I was hired by Bombardier/learjet Inc making approximately $3,000 per year but by then my student loan had almost doubled in amount owed with payments of $600 -700.00 per month. I have never been able to pay the full payments and in Mar 2005 I was laid-off from Bombardier/Learjet Inc and am now working for $8.50 per hour.  My taxes  were under-withheld for 2005 and I owe about $3000 to the State and Federal government. 

I'm 59-years-old and I had hope to be able to make a better living by now and at least meet my student loan obligation monthly but I am now pushing $103,000 in Student loan debt.

I am of the opinion that the only way I will ever pay this debt is to die. 

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Jessie


In 1997, I was entering my last year of a private college in Kansas City, MO to receive my art education teaching certification.  After three long years of part time, this meant taking the last of my classes plus a semester of student teaching, and then certification testing (the end was definitely in sight).  During that year I suffered incredible hardship of physical abuse leading to separation with a very small child involved.  Essentially I could not work full time while my divorce was pending because it would appear I had no time for my child and therefore no leniency for time spent with him or for years of future child support in the eyes of the judge.  My only option was to seek financial assistance.  The Financial Aid Department of Avila College told me that I did not qualify for anything and the ONLY organization that would lend me money would be SALLIEMAE.  I accepted the three loans (2 Signature Student Loans at 6.75% and 1 Smart Loan at 7.5%).!
   Last year, after struggling too long financially as a single parent I filed bankruptcy and the loans, totalling over $60,000, were exempt.  I have had to file forebearances many times, once while working on my masters and being hassled as to whether I was actually in school or not, and most often only to be questioned endlessly or required to send volumes of paper.  I even tried to have another financial institution take over management of this debt for me but for an unknown reason they could not touch it.  Sadly, I'll never pay it off in my lifetime.  

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Richard


I need some legal help here.  I Started school in Aug 00, don't you know I took loans out through sallie mae.  My mom said that they were in her name, being 19 I beleived her.  In around oct of 04 I went to work for a sheriff's dept, I was made aware that the loans in fact were in my name. 

Fast forward to now.  I have been paying collection companies monthly since then to get it into defferment.  I joined the military with hopes that they would cover it.  Now I am finding that its almost impossible.  I gave sallie mae a document to have the defualted loan put into deferment so the military could pay it off.  After this my loan has bounced around from company to company with the reason for the moves being "internal problems".  Now that my command is coming down on me I am loosing hope. Every time I get ready to get them out of default Sallie Mae has the loans returned to them and then gives them out to some one else.  Then I have to start all over again trying to fix it.

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Red II

My oldest daughter is 22 years old and (against my wishes, knowing we couldn't handle it) my wife decided to take out about $38,000 in student loans thru Sallie Mae on our daughter's behalf nearly 4 years ago believing that it was "unfair" for her to be in debt right out of college (even though 99% of the kids out there are and this is just a fact of life). Our daughter graduates next year. I do not have my name on the Sallie Mae loan nor did I have any dealings with any of it. My wife was gainfully employed as am I. She made great money and I make a respectable amount of money.

I deployed to Iraq and while deployed, my wife lost her job of more than 20 years (company closed). Since I returned 7 weeks ago, my phone has been ringing off the hook from Sallie Mae. This was my first indication that the loan was in default. My wife has another job but it pays much less than 50% of what her previous income was and she had quit paying on the loan. She has also filed bankruptcy (I did not). Of course this doesn't make the Sallie Mae loan go away.

Anyways, they were calling and I was answering and they were wanting their money or they threatened me that they would take the "next step". I told them to do whatever it is that they needed to do as that was their only option and that she didn't have the money. They got somewhat rude with me when I explained the situation, advised me that her bankruptcy didn't negate the Sallie Mae loan, which I advised them that I already knew and they would take action against me as well. I explained to them that they could not threaten me in this manner as I am not on the loan. They informed me that under the laws of our state, they could do just that. I told them that they were wrong as Kansas is not one of the 13 states that considers these loans as "community property", that they were barking up the wrong tree and ended the call. They continued calling every day, 4-9 times per day and I just quit answering the phone. I started thinking about this conversation and it started me to thinking that they really had no legal right to discuss my wife's loan or it being in default with me as the account is not in my name whatsoever.

Today the phone rang and I knew it was them so I answered as I wanted to make this clear to them. The man asked for my wife and I told him that she wasn't there and asked if I could help him. He stated he was from Sallie Mae. I asked him what he wanted and he advised me that the loan was in default. I advised him of the situation and he said "We want our money". I told him to pursue their next course of action as we didn't have the money and that this now made the second time that they had discussed a delinquent account with someone other than the account holder, which they shouldn't be doing. He said "We'll come after you sir and the law allows us to do that." I explained to this young man that they had no legal authority by which to do that according to the State of Kansas and he interrupted yelling at me "WE WANT OUR MONEY BITCH!" Well, I don't have to tell you how the rest of the conversation went but it was to the effect of much foul language on my part and other stuff that I can't go into on this forum. When I was done with my rage, the guy from Sallie Mae had already hung up.

I was amazed at the lack of professionalism on the part of these people. I can't stop what has happened, nor can I change what is going to happen. But I don't deserve to be threatened as I had no part in any of this activity. They are, in my opinion, blood sucking parasites who hide behind a telephone.

I understand that they want their money. I understand that they should go after my wife for her non payment, which directly affects our income and inability to pay our other bills, but don't call me and threaten me when I have no part in this. I'm already dealing with enough BS from the financial strain that has and will continue to occur as a result of these kinds of decisions and I don't need some unprofessional lackey hiding behind a telephone talking a talk that he can't back up and threatening me.

Just a rant, but these "people" are driving me over the edge. Stay away from Sallie Mae.

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Leland

I received two student loans in the early 1980's for a total of $5500. After graduating in 1982 I was unable to find work and defaulted immediately. In the early 1990's, after being harassed at my work for months on end, I agreed to consolidate the two loans into one and issue a series of predated checks to a collection service to stop the harassement, increase in interest, and restore my credit (or so I was promised). Hard times fell and I defaulted again. Since that time I have consolidated the loans twice more and defaulted twice more. The upshot of all this is that my wages have been garnished for approximately 4 years and I have paid over $12,000 toward the loans (I suspect the figure is higher but this is what the DOE says I have paid since 2003) and I still owe $20,000!! To sum it up: I have paid over $12,000 on a $5500 loan and still owe $20,000. Somebody HELP me stop the madness!!!!

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Cari

I left school in 1995 to take care of my two daughters. I can't remember the exact amout I even borrowed, somewhere around $12,000 maybe. A couple years later I was convinced by Sallie Mae (I think) to consolidate with my boyfriend to save money. We were married for a short time, then divorced.

I am now the mother of six children and a great new husband and a debt of over $42,000. My ex-husband refusses to pay! "Direct Loans" says there's nothing they can do, my name is on the loan first. I signed up for the income contingent plan, but I don't even pay half the interest it collects for the month! My husband thinks we'll never be able to buy a house or another car we so desperately need. I've even called to get my payment postponed for the month but the tell me without my ex-husband's permission they can't do it. He refusses to help! Someone please help me!!!!

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Scott

Well it all started about 25 years ago when I lost my wallet. Someone got the great idea to use my name and ssn to obtain a student loan.( I hope he spent the money on something good! ) Well in May of 2002 I get this letter from the Dept. of Ed. stating that I owed them over 7000.00 dollars on a student loan. When I called them about it they called me everything but a liar . I explained to the person on the phone that I have never had a student loan. Then this person says YOU CAN GET A DISCHARGE IF IT IS NOT YOUR SIGNATURE ON THE NOTE . So I ask for the forms needed to complete this task. Take it at mind this loan is over 16 years old now. So when I get the forms and fill them out , I come to this little section that asks for a document that bears my signiture from that time period. YEAH RIGHT! Who saves cancelled checks, old loan papers, tax forms, drivers licenses, ect. for 16 plus years ? Well I don't. So I send in the form with a letter stating that it is impossible to come up with a document that old. Along with a statement from my ex-wife stating that this was not my signiture and that I never attended this school. THEY DID EVERYTHING BUT CALL ME A LIAR again. Well I fought this thing for several years and they decided to slap me with a tax offset. Then after 2 more years they go after my wages. So I make a deal to start paying on the loan so my wages wont be touched. Well now I am out of default and I find out that even if I had applied for a loan back in 1986 , I probably would not have gotten one. You see I am A high school drop out . The highest grade that I completed was the 10th. And to top it all off the loan was for a computer course through AMERICAN MOTORCYCLE SCHOOLS. I DON'T CARE ABOUT COMPUTERS!! This one belongs to my children. So now I am hoping I can get a discharge on that fact.


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