Complaint Review: Sallie Mae - Wilkes-Barre Pennsylvania

An inane response indeed. No career is "useless" as long as it provides honest employment and honest means to earn money. It seems in "Dani" 's view, the only useful careers run to those where a lot of money is made...hmmm...drug dealers, mafiosos and criminals of other stripes, "celebrities", trust fund babies, etc. I find it sad that professions like teaching, law enforcement, social work, emergency medical, firefighting, and others are considered to be useless by a larger and larger number of people. I suppose when something happens where one of these professionals would normally assist, they'd would rather handle the situtation on their own. These jobs may not be done for the money, but that doesn't mean they deserve to earn less. The same people who whine about where their "hard-earned tax money" do are often the same who are the first to avail themselves of those services -or- don't want to pay for them in the first place! So if there are children to be taught or kept safe from abuse, the mentally and physically disabled to be placed, criminals to be apprehended, medical emergencies that require responses, and fires that need to be put out...I suppose "Dani" has something better in place to handle them. Speaking of Sallie Mae, I have had my share of difficulties in dealing with this "lender"...terrible customer service, rude reps, lack of communication especially on time-sensitive issues such as forebearances and changes in payment structure, I could go on. Their practices parallel those of any sub-prime loan provider because they know that if they ruin your credit by one little word, it will be a hassle to restore your good name and that most people won't want to be bothered. They also bank on people's ignorance about credit, lending, and their rights in those situations. The m.o. is to make the borrower feel that there is no other solution than to do what he is told. It is predatory and misleading, but that's how it seems to work. I have a link to a blog post about one person's Sallie Mae nightmare; it reminds me that I am glad I refuse direct debit: http://womanofthelaw.blogspot.com/2007/08/sallie-mae-is-nightmare.html

Sir or Madam, in Clive, IA: Have you thought outside your little world? It sounds like you have a great disrespect for social workers and teachers. What about police, firefighters, paramedics? They earn about the same wages, however, THEY rarely have student loan issues because their positions don't require university educations. Who do you think the police, firefighters and paramedics CALL when they happen upon a case of child neglect or abuse? Who do you think they call when an entire family has lost their home due to a fire, flood or other disaster? Who do you think they call when they happen upon an sick elderly person with no family or means? The answer is "A SOCIAL WORKER". Now unless you intend to take in the abused and neglected children, the homeless and the elderly left on their own... Shut up! And no... I am not a social worker, teacher, officer, firefighter or paramedic. And I am employed.

"My degree in social work results in low-paying jobs that I can survive on. I have NEVER made enough money to make the mininum payment Sallie Mae required." You ripped off the federal government. You borrowed money for a degree that generally pays low wages. There are plenty of materials and resources to tell you that before you apply for loans for a useless career. No one goes into social working or teaching for the money. They have to really love it. You should have done your research before you spent MY heard earned tax dollars on YOUR worthless career. It's dead beats like you who make it very hard for people like me to make a good living and get a good education. You are a coward loser who just took the easy way out because it got a little hard.

"My degree in social work results in low-paying jobs that I can survive on. I have NEVER made enough money to make the mininum payment Sallie Mae required." You ripped off the federal government. You borrowed money for a degree that generally pays low wages. There are plenty of materials and resources to tell you that before you apply for loans for a useless career. No one goes into social working or teaching for the money. They have to really love it. You should have done your research before you spent MY heard earned tax dollars on YOUR worthless career. It's dead beats like you who make it very hard for people like me to make a good living and get a good education. You are a coward loser who just took the easy way out because it got a little hard.

"My degree in social work results in low-paying jobs that I can survive on. I have NEVER made enough money to make the mininum payment Sallie Mae required." You ripped off the federal government. You borrowed money for a degree that generally pays low wages. There are plenty of materials and resources to tell you that before you apply for loans for a useless career. No one goes into social working or teaching for the money. They have to really love it. You should have done your research before you spent MY heard earned tax dollars on YOUR worthless career. It's dead beats like you who make it very hard for people like me to make a good living and get a good education. You are a coward loser who just took the easy way out because it got a little hard.

"My degree in social work results in low-paying jobs that I can survive on. I have NEVER made enough money to make the mininum payment Sallie Mae required." You ripped off the federal government. You borrowed money for a degree that generally pays low wages. There are plenty of materials and resources to tell you that before you apply for loans for a useless career. No one goes into social working or teaching for the money. They have to really love it. You should have done your research before you spent MY heard earned tax dollars on YOUR worthless career. It's dead beats like you who make it very hard for people like me to make a good living and get a good education. You are a coward loser who just took the easy way out because it got a little hard.

On July 7th, 2008, the bankruptcy judge in my case placed a default judgement AGAINST Sallie Mae, stating my student loan was "not excepted from the bankruptcy discharge". This means the student loans WAS included in the bankruptcy discharge, and that it is no more. Your student loan can be discharged in a bankruptcy IF you can demonstrate that repayment of the loan will cause undue hardship. This is not easy and it was impossible for me to find a lawyer who would help with the case for free, so I had to do it myself. It took a year. The National Consumer Law Association has good resources on this subject, as well as lots of other information dealing with debts and collectors.

As far as I can recall, all federally funded student loans are not eligible for discharge through bankruptcy.

As far as I can recall, all federally funded student loans are not eligible for discharge through bankruptcy.