My question involves collection proceedings in the State of: Connecticut
Hi everyone. I have a question or two about my student loan debts. Throughout the course of my undergrad studies I took out collectively 45000 in stafford loans. I also took out a Perkins Loan and Felp Loan. the felp loan has been paid off almost accidentally from my grandmother's estate when she died. But the Stafford and Perkins loans are still there. Since my graduation I have--well financially I have had some ups and downs--complete with job lay offs and escalating rents.
Despite asking for and filing out the necessary forms----Sallie Mae and the Connecticut Student Loan foundation would not approve my requests for forbearance/deferment. And I did show them more than enough proof explaining financial hardships.
Long story short CSLF has garnished my wages. In the meantime---i have been laid off twice from different jobs since the garnishment..
And despite fantastic recommendations from former employers etc and the like I have not been able to secure full time employment since my most recent lay off.
I have been in interviews where prospective employers have brought up the wage garnishment without my telling them about it. Then low and behold I do not get the job. of course this is 'never the reason'
but deep down I am starting to believe it is.
I do not have the money to pay these loans. and i may not have the money for quite some time.
I am surviving on odd jobs such as dog walking and child care and a room i 'rent' in exchange for housekeeping. My life has been on hold because of these debts for years.
I have had to put off getting married, having children etc.
People have told me I can petition the court to request from a judge the loan debt be set aside. Bankruptcy would not be necessary and I could just do this. Is this true and if so--how so?
Thanks for listening.