Skip to main content
This Board Has Moved

This board has been migrated to our new platform! Check out the new home page at or click below to go directly to the new Board on the new site.

Go to the New Site
Message Font: Serif | Sans-Serif
No. of Recommendations: 3
Okay, I'm taking a big breath and just putting it out there mystudentloanshavebeeninrepaymentsincedecemberandihaven'tmadeapayment! I can say it slower my student loans have been in repayment since december and i haven't made a payment.

The question is how do I now deal with this, I don't have the money to give them every month and I am afraid, plain and simple that I have ruined it for myself and now I can't get any deferments or whatever great deals are going on. My biggest problem is that I also need to go back to school to get a teaching certificate. I can get a job without one (hopefully) but I can only do that for so long, plus I'd make a lot less money. And in order to go back to school, I need more loans.

So what to do, my hubby also hasn't been paying his back (in repayment since January). These are direct loans from the government. We have been paying back perkins loans (to our respective schools) and private loans (Citibank), but we simply can't afford to pay out much more.

So I'm looking for advice, someone who has possibly been though this before, someone to kick me in the seat of my pants and get me going through this rough time. Encouragement that if I pick up the phone, everything will be okay.

Thanks everyone!
Print the post  


When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.