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I filed for chap 13, 2 years ago and still am paying it. However since my real estate tax has gone up, and insurance, my huge payment I make to the trustee will be what my new mortgage will be. I still have 2 more years left to pay, so it can possibly go up more.

During my Ch13 I got divorced and have joint custody of my son. As of right now my student loans from about 5 years ago are around 40,000. I was punching these numbers in on various websites, and found out that even if some how I could get an excellent intrest rate (which I doubt after ch13) I am looking at a payment of atleast 350.00+ a month.

I know that my loans are still in default status now, but if my utility bills stay the same, that would leave me with less then 40.00 a week for gas, groceries, emergencies, kid stuff.

I e-mailed my ch 13 lawyer and called him but have not heard back. Anyone that has any exp. with this please answer.

We will be happy to hear your thoughts on How can you qualify for a hardship to get student loans discharged?

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