SloanHelper

It all depends on when the loan was rehabbed the first time. If it has been before 08/2008 or after 08/2008. Before can rehab again, after cannot.

@cosmos human. It is based on your agi from your 1040. Yea all forms of monetary gain, even ask, is income

Yes... It is true Here is the best way of you have reserves. Go to Walmart buy a pre paid debit card and then give them the credit card info, then there is no attachment to your bank account. Also you can just go online and pay at www.myeddebt.com Make sure u are on program if u pay online, so as your payments are applied to program fr you rather than a blind payment. Don't pay the down payment *hint* *hint*

Yes, you are still getting out of default, it is essentially the same programs, just a few different twists, do not worry

A lot of private lenders are still backed by the DOE, I would double check 1-800-433-3243, student loan tracking number.

Thank for reminding of the Fico Forum, I could not remember some of the forums I was trying to help on. I believe you missed the part of me getting someone's loans discharged through disability for $200,000. Does that sound like a collection agency to you? The dept of Ed has not hired anyone in more than a year? I have been working for them for year and a half now, that is neither here nor there. I would love to know where you are getting your facts about not hiring someone for a year, I hate to use text talk, but that one made me LOL a little bit. Supervisory Education Program Specialist, GS-1720-15 (DEU) Vacancy Ann.#: OESE-2012-0021Who May Apply: PublicPay Plan: GS-1720-15/15Appointment Term: PermanentJob Status: Full-TimeOpening Date: 07/20/2012Salary: From 123,758.00 to 155,500.00 USD per year Program Support Assistant (OA), GS-0303-07 (ALL SOURCES) Vacancy Ann.#: FSA-2012-0146Who May Apply: PublicPay Plan: GS-0303-07/07Appointment Term: PermanentJob Status: Full-TimeOpening Date: 07/24/2012Salary: From 41,390.00 to 53,811.00 USD per yearStatistician (Education), GS-1530-13 (DEU) Vacancy Ann.#: IES-2012-0034Who May Apply: PublicPay Plan: GS-1530-13/13Appointment Term: PermanentJob Status: Full-TimeOpening Date: 07/27/2012Salary: From 89,033.00 to 115,742.00 USD per yearDirector, Human Capital and Client Services Vacancy Ann.#: SES-OM-2012-0008Who May Apply: PublicPay Plan: ES-0201-00/00Appointment Term: PermanentJob Status: Full-TimeOpening Date: 07/19/2012Salary: From 119,554.00 to 179,700.00 USD per yea Associate Research Scientist/Specialist, AD-1730-00 Vacancy Ann.#: IES-2012-0002Who May Apply: PublicPay Plan: AD-1730-00/00Appointment Term: PermanentJob Status: Full-TimeOpening Date: 12/23/2011Salary: From 60,000.00 to 95,000.00 USD per year Research Scientist/Specialist, AD-1730-00 Vacancy Ann.#: IES-2012-0004Who May Apply: PublicPay Plan: AD-1730-00/00Appointment Term: PermanentJob Status: Full-TimeOpening Date: 01/04/2012Salary: From 85,000.00 to 130,000.00 USD per year Just a few of the openings listed on the DOE website...... Why don't I give out my work # so everyone on this site can call me?? Well here is the answer, I know my job (probably a bit better then you do ), so I know which department I am in etc etc and what I can or canot do, so why would I want a bunch of people calling me that I would then have to inform them that they need to contact their CA, or that I need to transfer them? Why don't you let the big girls and boys talk and you run along with your whimsical fairytale!!! Yeah Fed employees cant let ANYONE know who they work for. That is why the NSA has their parking lots underground and no one has ever seen an FBI agent with their jacket on. Stop watching Mr. and Mrs. Smith and like I said before I am here for people that actually have a questions and want legitimate help. Guess what they do not have to follow my advice or believe me....So I will say it again, if you are wanting to debate the DOE and their policies or have negative things to say, it is probably better for everyone and their time if you kindly just keep those thoughts inside your own head. But to answer your original question, I am not a FED employee or a collector, I am Count Chocula, by day and a Ghost Buster by night.

Sometimes I really loose hope that I am even helping..... All payments, regardless if you're setting up with a collection agency, are processed by the United States Department of Education. The United States Government!!!! This is what baffles me, people expect the Government to give them money to go to school, then when it is time to repay or they do not live up to their obligation they all of a sudden become weary of the process and do not trust the government???? This I will never personally understand. The collection agency's are in contract with the DOE, they are heavily regulated and watched. It is perfectly fine to give your bank info to them, because the DOE will not and cannot "wipe out" your bank account or take a payment that you do not authorize. Yes you can request a letter, but at that point you are just buying/wasting time. P.S. Your down payment,monthly payment ratio could be different

For a loan discharge under disability you must be 100% disabled, never able to work again. You must have your physician sign off on that paperwork. If any paperwork is not filled out or filled out incorrectly then it will be denied. If someone goes back to school after the loans are discharged they wil be reinstated. If someone goes back to work after the loans are discharged they wil be reinstated. The dissabiltiy has to have come into play after recieving the loan, in other words it cannot be a pre-exisitng condition. I personally have helped a man discharge $200,000 worth of student loans. Best advice is properly fill out paperwork, if you have questions call and ask, make sure the paperowkr is back in a timely fashion, stay in CONSTANT CONTACT, and answer your phone or call back if you recieve one. They must know dates pof paperowkr and Dr appointments etc. It is the most touchy way of dealing with a loan for obviouis reasons, the money is being discharged. Beyond that it takes time and patients. It is a realtively easy processs as long as you take it step by step correctly, and follow directions. If you try to avoid it or act as if it is not really a big deal with dates and deadlines then you will most likely be dissapointed at the outcome.

The program may or may not be offered to people at this point. The program is called the R&A program (Reasonable and affordable). In some cases people will need to show proof of certain bills and in somecases they will not. Almost like luck of the draw. I will have no problem explaining this program once it has been rolled out 100% too all agencies and is in effect for every person. I do not want to explain the program though and get peoples hopes up who will not qualfiy or do not have the program offered yet. If you would like to know if you qualify or if you can be offered the program yet, you can email me at sloanhelper@gmail.com

WOW... how would that work and how long would they have to wait? What type of program is that called? As of this point in all the contracts , if someone rehabed their loans after 08/14/2008 they are not allowed to rehab their loan again....obviously prior to that date if they rehabed and fell back into default they are able to rehab again.

Pick me pick me I know the answer!!!!! First it is probably different loans... Second, no statue of limitations, but after 7 years it goes off the credit report unless new activity has occurred then that wil awake your sleeping giant...but it has to be taken care at some point.

I got a little confused there.. What is your dispute? Is it the CA on your credit or the iter agency's?

Generally consolidation companies make their money by raising your interest rates, however right now, you are sometimes able to secure a lower interest rate. If you are wanting it to bump up your credit score, then I do not see the value in consolidating for you. A consolidation could also bar you from certain programs and financial hardships later on if you ever needed them.

Yeah, you are doing an R&A program.....or the lady you spoke with was new and messed up...but i am pretty sure it is the first one

Student loan tracking number 1-800-433-3243