Thanks once again Soaplady. It is just good to have something from that time frame. I might need that document someday. I am just afraid to call the IDAPP (guarenter) to see what is going on, how much I owe, stop the CA's (if any?). At least I have letters, reciepts, etc.

Soaplady, here is an honest question. If you took out a Federal Loan (which is now a Subsidized Stafford Loan) at a bank in 1985 for $2,200 and went into default the next year, and since then have been paying on it off and on for 23 years (due to some extreme hard times), have proof of the same...what would you do?

I am just so confused and really, really worried that I cannot afford this. I understand that I owe this money and probally alot, and I want to do the right thing, it is just that I do not know what. If only I can get into some type of payment plan that I can afford.

Please help, agian,
Luke

__________________
"It only takes a second to do something that you will regret for the rest of your life."

All the Best,
Luke

Just an Update and requesting a response to the above post.

Wishing you all a Happy Holidays,
Luke

__________________
"It only takes a second to do something that you will regret for the rest of your life."

All the Best,
Luke

Luke, I cannot tell you what to do. You have to call and find out what they can offer you based on what you owe.Putting it off is not going to help....it is only costing you more.

I thank you Soaplady, but that is just it, I do not know who to call to get this started.

Thank you and Happy Holidays,
luke

__________________
"It only takes a second to do something that you will regret for the rest of your life."

All the Best,
Luke

1-800-4FEDAID .... they will tell you who to call.

Thank you SoapLady, your the best.

I wish you and yours a Happy and Safe New Year.

__________________
"It only takes a second to do something that you will regret for the rest of your life."

All the Best,
Luke

filed ABT form to disqualify my loan, because I never recieved my certificate from a trade school, I recieved two loans for twenty five hundred dollars a total of five thousand. I was never tested with a ABT test, did not have a high school diploma, or received one before graduation, I completed all course, but did not receive the degree of applied science, due to the schools non compliance of obtaining my GED- I have been denied from the us dept of education because they claim my disburstment dates fall before January 1 1986, can I hire a lawyer for a lawsuit against the goverment ed.

Did Ed do anything wrong? Or was it the school? Ed has no liablity in this case...they were just the lender.

Even though I was making monthly pmts they sold my school loans to diffent collection agentcis who inturn increased it by an additional 10 thousand dollars, all that I pd into it was all for nothing, can I file this on chapter 7 its now w/Account Control Technology Inc.

No...your loan was NOT sold to different collection agencies...your guarantor PLACED it with agencies. You were charged 24% in collection costs ONCE per federal law plus your interest is still accruing.

No you cannot file bankruptcy on student loans.