this post was submitted on 01 Oct 2024
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askchapo
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My private loans didn't sue me quick enough where I made it thru the statute of limitations in my state. Meaning if I never contact them, acknowledging the debt by inquiring, it can't be verified and it's done. The government loans tho, I'm boned
Yeah the Federal shit doesn't ever go away, they've become notorious for being one of the few (only?) types of debt that generally can't be cancelled in a bankruptcy. I don't know if you're already aware of them, but try to get one of the income-based repayment plans for the Federal loans. I've been in the 'below average' and 'below poverty' brackets of income for years and have been on $0/month repayments the whole time.
joe biden changed the bankruptcy laws to exclude student loans.