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The Water Cooler
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student loan issues and lawyer question recommendation
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<blockquote data-quote="NightShade" data-source="post: 2272301" data-attributes="member: 29706"><p>You can also apply for a forbearance, it can get the payments put on hold for a bit till you get some stuff sorted out. I would apply for it right away and then try and get some other programs going to reduce the payments. Generally the forbearance is for up to six months, interest is added during that time but when you have a rough spot to get through it can be very helpful.</p><p></p><p>Also if something happens to your wife and she applies and is approved for Social Security you can apply to have the loans forgiven. They also can only garnish her pay unless you co-signed the loans and though it is tough you can get your half of the tax refund back from them as your money is not a part of figuring the loan. If they do take the tax return you will have to take all your paperwork and file a bunch of stuff to show what would have been from her income and yours.</p></blockquote><p></p>
[QUOTE="NightShade, post: 2272301, member: 29706"] You can also apply for a forbearance, it can get the payments put on hold for a bit till you get some stuff sorted out. I would apply for it right away and then try and get some other programs going to reduce the payments. Generally the forbearance is for up to six months, interest is added during that time but when you have a rough spot to get through it can be very helpful. Also if something happens to your wife and she applies and is approved for Social Security you can apply to have the loans forgiven. They also can only garnish her pay unless you co-signed the loans and though it is tough you can get your half of the tax refund back from them as your money is not a part of figuring the loan. If they do take the tax return you will have to take all your paperwork and file a bunch of stuff to show what would have been from her income and yours. [/QUOTE]
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