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Sunny Day · 09-04-2012, 01:11 AM

People come up with crap, you work hard, you WILL succeed. That's BS, I've known too many that tried and never got there. Don't feel bad.

1st off, was your school a public school or a private school? Despite all the congressmen they have bribed, there's a growing roar over private schools and they don't care if anybody learns anything as long as they get their money.
Did Sallie Mae pay the school directly or did you get a check and spend some on pizza & beer? Time to be honest, I'm trying to help.

In the meantime.
On your computer create a file called SALLIEMAE and create subfolders 2012, 2013, 2014 and it may go that long, 2015.
Anytime you get a document scan it and call it something like "2012 08 01 SM Letter to take everything I own".
Every time you write Sallie Mae a letter, put a copy in this folder such as "2012 09 02 What assets? I'm busted."
I helps if you you a use a program like Open Office so everything can be converted to PDF files. When you go to court, PDF files work best, either on CD or flash drives.
Next in the SM folder, created a document file called Sallie Mae Journal. Every time they send you a letter or you send them one, document it. Like this.. "2012 08 01 Letter to take everything I own" letter says this will take everything I own including the shirt off my back.
Next
NEVER, NEVER, NEVER, NEVER,NEVER,NEVER, talk to anyone one the phone. They may claim the conversations are being recorded, but they always seem to be lost on court date. If you do talk to them on the phone write down date, exact time, the conversation and their name. Most of the time they will refuse to give you their full name or phone extension.

#2 Write the school and ask for a complete record of all charges and if they went to Sallie Mae or you paid for them.
#3 Write Sallie Mae and ask for a complete statement of what they claim you owe.
Go over both. The school probably billed you for fake pencils or some nonsense. SM probably padded your loan with accounting fees or some such.

#4 after you get them to back off the BS fees then tell them you are broke, "I can get my parents to give me $X" or "I can make $X for Z months."
Make them the lowest offer. They might take it or give you a crappy deal. At this point, it's a poker game and the first to blink loses. Hopefully you also get a sympathetic judge.

09-04-2012, 01:11 AM
Sunny Day Confirmed User Industry Role: Join Date: Dec 2010 Posts: 1,406	MOre insite People come up with crap, you work hard, you WILL succeed. That's BS, I've known too many that tried and never got there. Don't feel bad. 1st off, was your school a public school or a private school? Despite all the congressmen they have bribed, there's a growing roar over private schools and they don't care if anybody learns anything as long as they get their money. Did Sallie Mae pay the school directly or did you get a check and spend some on pizza & beer? Time to be honest, I'm trying to help. In the meantime. On your computer create a file called SALLIEMAE and create subfolders 2012, 2013, 2014 and it may go that long, 2015. Anytime you get a document scan it and call it something like "2012 08 01 SM Letter to take everything I own". Every time you write Sallie Mae a letter, put a copy in this folder such as "2012 09 02 What assets? I'm busted." I helps if you you a use a program like Open Office so everything can be converted to PDF files. When you go to court, PDF files work best, either on CD or flash drives. Next in the SM folder, created a document file called Sallie Mae Journal. Every time they send you a letter or you send them one, document it. Like this.. "2012 08 01 Letter to take everything I own" letter says this will take everything I own including the shirt off my back. Next NEVER, NEVER, NEVER, NEVER,NEVER,NEVER, talk to anyone one the phone. They may claim the conversations are being recorded, but they always seem to be lost on court date. If you do talk to them on the phone write down date, exact time, the conversation and their name. Most of the time they will refuse to give you their full name or phone extension. #2 Write the school and ask for a complete record of all charges and if they went to Sallie Mae or you paid for them. #3 Write Sallie Mae and ask for a complete statement of what they claim you owe. Go over both. The school probably billed you for fake pencils or some nonsense. SM probably padded your loan with accounting fees or some such. #4 after you get them to back off the BS fees then tell them you are broke, "I can get my parents to give me $X" or "I can make $X for Z months." Make them the lowest offer. They might take it or give you a crappy deal. At this point, it's a poker game and the first to blink loses. Hopefully you also get a sympathetic judge.