Stupid student loan collection tricks - now what do I do?

[nwbroke]

I was here several months ago complaining about a student loan garnishment that rendered me unable to get out of my exorbitant $650/mo rent (for a room in a house with ten people!) - because I couldn't save up any money and therefore had no "move-in" money for a cheaper room elsewhere.

 

Now the house has been sold and I have to move in two weeks. (It's really weird...like a reverse roach motel...people are moving out but not replaced).

 

However, since I haven't been able to save up any money, I have absolutely no idea how I will be able to move in anywhere except maybe a fleabag flophouse with exorbitant weekly rates.

 

Why does the student loan collection system have NO provision for this sort of situation?

 

And what the heck am I supposed to do now?

[Saria]

What actions have you taken on the student loans since the last time you were here? Did you try any of the many suggestions you were given then?

[Pisces1975]

You can request a hearing. If there is financial hardship, they can lower or stop garnishing your wages.

[nwbroke]

What actions have you taken on the student loans since the last time you were here? Did you try any of the many suggestions you were given then?

 

 

It doesn't matter now what I did or did not do; my problem is now urgent. One of the owners died and the other became temporarily disabled, and I was trying to stay out of everyone's hair.

[nwbroke]

You can request a hearing. If there is financial hardship, they can lower or stop garnishing your wages.

 

 

Lynn can, if she deigns to do so, give a definitive answer, but I don't think you can request a hearing at this point. A hearing was an option at the time the garnishment was started, but not now.

[LynnInMN]

You can request a hearing. If there is financial hardship, they can lower or stop garnishing your wages.

 

 

Lynn can, if she deigns to do so, give a definitive answer, but I don't think you can request a hearing at this point. A hearing was an option at the time the garnishment was started, but not now.

 

 

They might give him a hearing at this point but as a single person it will be hard to justify reducing a garnishment. $650 seems kind of high for rent for a room. The OP should have picked up a part time job or something by now.

[nwbroke]

You can request a hearing. If there is financial hardship, they can lower or stop garnishing your wages.

 

 

Lynn can, if she deigns to do so, give a definitive answer, but I don't think you can request a hearing at this point. A hearing was an option at the time the garnishment was started, but not now.

 

 

They might give him a hearing at this point but as a single person it will be hard to justify reducing a garnishment. $650 seems kind of high for rent for a room. The OP should have picked up a part time job or something by now.

 

 

And exactly where would I, as an older person with neither marketable skills nor career-related experience, get a part-time job in an area with thousands of overeducated underemployed baristas half my age and 10.8 percent unemployment? Young college graduates have been moving into this area - not out - and I cannot successfully compete with them in either the job market or the housing market.

 

Of course, going back to school to acquire marketable skills is financially out of the question, so I don't see how that is going to happen.

 

None of this addresses the question WHAT CAN I DO NOW? I have to move in two weeks and my only option might be an overpriced fleabag flophouse.

[ttfiveohranger]

Are you in Michigan? If not it could be worse... If you are in Michigan I might be able to rent you a room in a "somewhat" messy house for cheap, but I'm not sure about that, as I wouldn't want to live with anyone I didn't get to know first. If you put your zip code up.. someone might know of some low income housing or help you locate something???