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Ask Colleen Grady Your Own Question
Colleen Grady
Colleen Grady, Attorney and Councelor at Law
Category: Education Law
Satisfied Customers: 555
Experience:  Assistant Principal, 17 years in the field of Education
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Is someone available to talk

Customer Question

Is someone available to talk
Submitted: 1 year ago.
Category: Education Law
Expert:  Colleen Grady replied 1 year ago.

What is it you need help with?

Customer: replied 1 year ago.
I went into the student loan rehabilitation program about 5 years ago. My mom had gotten sick and I could not afford to make the payments during the program. My mom has since passed and I still have to work this out. When I called them, they said the only option is a lump sum payment now which is 38,000
Expert:  Colleen Grady replied 1 year ago.

There has to be more options. Let me look into this. Give me a short time to get you some information. Who told you this? What agency did you speak with?

Customer: replied 1 year ago.
The Dept of Ed!
Expert:  Colleen Grady replied 1 year ago.

Do you mean the Federal Loan Servicing Center?

Customer: replied 1 year ago.
Expert:  Colleen Grady replied 1 year ago.

Are you in default with a private lender or the government?

Customer: replied 1 year ago.
I am in default with the government
Customer: replied 1 year ago.
It was eddebt.com
Expert:  Colleen Grady replied 1 year ago.

What state are you in?

Customer: replied 1 year ago.
Are you still here
Customer: replied 1 year ago.
Florida
Expert:  Colleen Grady replied 1 year ago.

Yes. What state are you in?

Expert:  Colleen Grady replied 1 year ago.

eddebt.com is not the Federal Government. Do you know the name of the bank that you are in default with?

Customer: replied 1 year ago.
all my loans were with sallie mae
Expert:  Colleen Grady replied 1 year ago.

sallie mae is a private holder. Give me a few minutes. I am looking for some options in Florida for you.

Customer: replied 1 year ago.
When I called about my student loan they referred me to the myeddebt.ed.gov
Customer: replied 1 year ago.
Ok thanks
Expert:  Colleen Grady replied 1 year ago.

Did you originally default on your loans and then go into Rehabilitation?

Customer: replied 1 year ago.
are you still here
Customer: replied 1 year ago.
Customer: replied 1 year ago.
hello?
Customer: replied 1 year ago.
are you still here?
Customer: replied 1 year ago.
Hello??
Expert:  Colleen Grady replied 1 year ago.

I'm here. I am researching options for you.

Customer: replied 1 year ago.
ok
Expert:  Colleen Grady replied 1 year ago.

You may have to try to settle the loan telling Sallie Mae you cannot pay the lump sum. You have to indicate you are willing to make income based payments.

Customer: replied 1 year ago.
Customer: replied 1 year ago.
ok that's it?
Expert:  Colleen Grady replied 1 year ago.

When you speak with Sallie Mae talk about your willingness to pay. Don't complain about the debt and say that you are no willing to pay.

You can also call the Florida Department of Education, Office of Federal Family Loan Program to see if they can help in any way. Here is the contact information

1-***-***-****
Toll-Free

(###) ###-####
Local Metro Area
Tallahassee, Fl

Email to:
[email protected]

Expert:  Colleen Grady replied 1 year ago.

Tell Sallie Mae you don't have the lump sum but are very willing to pay based on an income based plan.

Expert:  Colleen Grady replied 1 year ago.

Please let me know if you have more questions. If you are satisfied with my assistance, please rate me.

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