Handles Student Loans? (most Do Not.)
Q: HELP! The mean, nasty Dept. of Education is threatening to garnish my wages to the tune of $350+ a month. With my other student loans and CC debt, that will leave me unable to pay rent + bills. Does anyone know of a debt consolidation/credit counseling service that handles student loans? (Most do not.) I'm looking for someone who will sort out my finances and negotiate reasonable payments with my creditors.
A: Of course not....you can't "borrow" your way out of debt. It is time to put that nose to the grindstone and work and pay off your financial obligations. You signed an agreement with the Department of Education to pay them back and they want THEIR money. It is your obligation to pay them and no one can do that but you. Get yourself a second job...deliver newspapers, deliver pizza, have a garage sale, cut up your credit cards, make a budget and live by it.... Live on less than you make by lowering your inflated standards. These are the things that responsible adults do.