I've read that some people have included their student loans in their means tests, while others have not. For those of you who did and were successful, where did you put the student loans on your means test? Some of you said you did include them. Where on the test did you do that? Also, what state are you in? THANKS!
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As you simplify your life, the laws of the universe will be simpler; solitude will not be solitude, poverty will not be poverty, nor weakness weakness. ~Henry David Thoreau -
Here is a nice read for you.
What state are you in?
http://www.************************/...means-testing/ -
I'm in California. I'll read these both right now....thanks!--------------------------------------------
As you simplify your life, the laws of the universe will be simpler; solitude will not be solitude, poverty will not be poverty, nor weakness weakness. ~Henry David ThoreauComment
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The first one was promising, but the second one, not so much. Because of our student loan debt, we are over the max for a ch 13. We really are in a bind if the court does not allow the student loan payments for special circumstances. Ugh!--------------------------------------------
As you simplify your life, the laws of the universe will be simpler; solitude will not be solitude, poverty will not be poverty, nor weakness weakness. ~Henry David ThoreauComment
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They rarely deny forbearance payments...Originally posted by Wantmypeace View PostRetained 3/09 * Filed 6/2/09 *341 Meeting 7/23/09 *Report of No Distribution Filed 7/24/09 *Closed and Discharged 10/13/09*
***I do not provide legal advice. All I am doing is sharing my thoughts and opinions. You probably shouldn't even read my posts.***Comment
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What do you mean by "forbearance payments." You mean the SL companies rarely deny a forbearance or the BK Trustees rarely deny SL payments in the means test?--------------------------------------------
As you simplify your life, the laws of the universe will be simpler; solitude will not be solitude, poverty will not be poverty, nor weakness weakness. ~Henry David ThoreauComment
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The student loan companies rarely deny a forbearance request by an individual. Like, you call and say "I can only pay $30 a month...", they usually say "okay".Originally posted by Wantmypeace View PostRetained 3/09 * Filed 6/2/09 *341 Meeting 7/23/09 *Report of No Distribution Filed 7/24/09 *Closed and Discharged 10/13/09*
***I do not provide legal advice. All I am doing is sharing my thoughts and opinions. You probably shouldn't even read my posts.***Comment
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Oh, yah, I get it. We're thinking seriously about not doing bk and just trying to pay them off one by one. It's all very overwhelming...--------------------------------------------
As you simplify your life, the laws of the universe will be simpler; solitude will not be solitude, poverty will not be poverty, nor weakness weakness. ~Henry David ThoreauComment
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All of the SL companies I have loans with right now are denying my forbearance requests. And have been for over a year. And I am in school as well. They said I have maxed out my deferrent and forberance time and are not offering any more. A year of going back and forth, and nothing....
I did include my SLs on my means test, but at the end as a special circumstance. We'll see. My 341 is 6/22. I am in Central CA court.Teacher MommaComment
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Teacher, if you could some how refinance those loans with Sallie Mae, the forebarance period on those loans will start over again. I had almost exhausted mine at one time then refinanced it and then it started over again at 60 months.
Not sure if that helps or if you are able to, but just wanted to throw it out there for you.BK Ch 7 Discharged 09/2009 | Anything I say can and should be used as friendly advice and sharing of experiences with an unbiased viewpoint.
Scores: EQ 745 EX 704 TU 710 as of 08/15/2012Comment
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I am also in Central California (Fresno), so I will be waiting to hear what happens with your meeting. If it works for you, I may give it a try myself. Are you filing on your own or with a lawyer? Thank you so much for sharing that....it gives me a little hope!--------------------------------------------
As you simplify your life, the laws of the universe will be simpler; solitude will not be solitude, poverty will not be poverty, nor weakness weakness. ~Henry David ThoreauComment
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