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There are a number of students nowadays who are taking out a student loan, why not? When it is the most guaranteed way of paying tuition fees. Student life is not easy when you don't have money to pay for your expenses so I think they are many people who indulge in student loan because of financial rough. Another student burden is the student credit card debt. Credit card debt is just as bad as student loan. The worst thing about it is students both suffer this two kinds of debt. College charge cards were a major target of charge card reform. The Federal Reserve has recently released a study on the state of university charge cards. Since the 2009 CARD Act put limitations on how charge card corporations can industry to pupils, the amount of applications has gone down significantly. Regardless of this drop, credit card corporations are still providing $73 million per year to schools whose pupils have charge card debt. I read this here: Colleges still receive $73 million from credit card companies.

http://nationalnonprofitparty.ca/pb/wp_61193c82/wp_61193c82.html

If you really want to get rid of these thieves go to the above site.

I would just like to say that FDR are nothing but paid bullies. I used to work for a collection agency and there is NO legal department!!!! I can't stress this enough. Let them tell you they are going to take you to court...it will be small claims court....don't show up. You cannot go to jail. I'm also a paralegal. Something you should know about collection agencies....they cannot call you more than 3 times a day, they cannot swear or threaten you if they do keep a record of. They buy old debts from companies ie..Zellers and add ridiculous amounts of interest. Your debt technically is gone when a collection agency buys it, however yes it will affect your credit. We are all human and from time to time cannot pay our bills. The only way to get rid of student loans is to pay them, claim bankruptcy after 7 years from the sign date and/or if you are on disability they can be written off. I know its embarrassing when you have debt and have to deal with these a-holes, but I believe there are more pressing things in life that you have to deal with. If you don't care about your credit or don't plan on getting a loan ....don't sweat it. Its only money.

For anyone who is receving calls or charging instruments in the mail from any collection agency please do the following.
Send a letter stating the following. They can not take you to court for anything because they can not produce any of the following and this includes school loans or any other debt you have been lead to believe you owe them!

1.Validation of the debt (the actual accounting);
2.Verification of their claim against me (a sworn affidavit or even just a signed invoice); and,
3.A copy of the contract binding both parties.
I was to write that I would be happy to pay any financial obligation I might lawfully owe as soon as I received these three documents. The banks can’t validate the debt because they never sustained a loss; they can’t verify any claim against me because I am not the NAME they are billing. They can’t produce a copy of the contract because one doesn’t exist. What exists is an unenforceable unilateral contract. What the banks refer to, as ‘your contract with us’ is not a valid bilateral agreement since the four requirements of a lawful, binding contract were not met on the credit card ‘application’, namely:
1.Full Disclosure (we are not told that we are creating the credit with our signature);
2.Equal Consideration (they bring nothing to the table, hence they have nothing to lose);
3Lawful Terms and Conditions (they are based upon fraud); and
4.Signatures of the Parties/ Meeting of the Minds (corporations can’t sign because they have no right, or mind, to contract, as they are legal fictions). Credit cards are win/ win for the banks and lose/ lose for everyone else – it is the slickest con game on the planet.

PLEASE.......... Go To.....................one-heaven.org

Please watch and listen:
http://www.youtube.com/watch?v=iYZM58dulPE

Then go to http://www.one-heaven.org

Learn how to deal with fore-closures, bank fraud, collection agencies yes for school loans whatever. Read everything there and follow the instructions to take back control of your finances, work, property and children.

It's impossible to answer these student loan questions without knowing all the particulars, especially given the myriad transitions they have undergone over the years. Certainly, the trustee you dealt with would be able to give you a quick answer as he/she knows your situation.

My student loans are with FDR right now. I live in Toronto
. I made a verbal aggreement with the person who I need to say was very agressive and beligerant and threatening by saying "further action" will be taken without specifying what that action is.
The agreement was that I was to pay &100 a month to FDR until my circumstances changed and got better.

Well at this time I am not able to go over the $100 a month payment for a variety of reasons.
I also have a consumer proposal which is up to date and they advised me as I had been bankrupt prior(it has been a very tough 3 yrs.) that because my bankruptcy had only been discharged a few months back(April) that anything to do with student loans is off limits for 2 yrs. at least.

BUt FDR now wants the full amount over $50,000 that's with alot interest piled on. As they are no longer satisfied with the montly payments.

Can they go after me as they are threatening "action" against me which I believe means garnishment. And if that happens I won't even be able to afford to work! Please help need advice.