Hello and thanks for viewing my question.
2 Years ago I started school at Everest College (worst mistake I made). I attended school for 1 year before realizing the mistake I had made in search for an education and better career.
I got stuck with $15,000 debt to Sallie Mae and Express Loan Servicing.
I was also on the phone with Express Loan Servicing and they put me into forbearance for one year...
Before I call Sallie Mae I wanted to ask you guys a question.
I owe $15,000 and from all the research I have done finding out that school loans will follow you to the grave literary and that I have to take care of them sooner or later.
Choosing later I realize that there will be a lot of interest accrued and therefore I have decided to do it sooner.
Is there any way to negotiate in bringing the loan down if I pay it all at once.
I tried asking the woman on the phone from Express Loan Servicing but she told me that whatever I owe I have to pay off all at once or via payments.
Do I need a lawyer to contact them, would they negotiate with the lawyer on my behalf?
What are my best options. I even thought about maxing out all my credit cards and paying off the student loans than declaring bankruptcy for those credit cards or trying to settle them.
I am just stuck here and need to make a decision soon about what I shall do.
Any help is really appreciated.
Thanks a bunch![]()

