Creditors are busting my door down over delinquent student loans.

I owe six figures easy and everyone just says go online and you can find all kinds of help. It's not there. Anyone ever dig out of massive student debt? Are there lawyers or legitimate debt counselors (not people who make a fee off placing you in managed bankruptcy)?

• are these federal student loans? If so, yes, go online. Find your servicer and talk to them. You know, the company that is sending you bills. If they are private loans you are fucked.

• You should be thrown in jail, you're a deadbeat loser!

• is that for a 4-year degree? or for grad school? What did you study?

• As much as I wish it were not true, R 1 is right. Private student loans are the devil incarnate. You have no choice but to pay them back, on their terms, in an amount they deem acceptable, and it's extremely difficult to get any kind of deferment or forbearance and even then, Sallie Mae charges you $100 to do it and then only does it for a month. It sucks. God forbid you have a co-signer, they harass them also, my private student loans harass my brother in law at his job if I fall behind, and he was almost fired. I pay around $400 a month to keep the dogs at bay, and that's while dodging other student loans from my first degree. If you don't pay they will sue you and garnish your wage and a lot of employers hold that against you and threaten to fire you...

• Offer them free anal sex

  Loose%20anus%2C%20but%20debt%20free

• There are several good columns at the attached link about student loans. Note that there are employers or employment situations that may provide for partial forgiveness of your loans. You may want to look into that.

  http://www.latimes.com/business/la-columnist-lpulliam,0,3082728.columnist

• I took ten years to pay off my student loans. $30 a month, month after month, year after year. In those days, NSDL loans carried no interest. I don't see how college graduates do it these days. ---- My first job paid $7,000 per year, so that's some perspective.

• Was your door damage extensive? After they busted your door down, did they unlawfully enter your home? Did you call police? This sounds very serious OP.

• Don't be a jerk, r2! Anybody can get into debt easily, including you!

• I don't owe as much as OP but am barely staying afloat just paying a private loan's 11.75% interest. At this rate I'll probably die before I touch the principle. Has anybody had experience taking out a second private loan at lower interest to pay off a student loan?

• Student debt is not dischargeable in bankruptcy.

• Go back to school if you can. Register for just enough classes to allow you to get a student deferment. Loan discharge is next to impossible, unless you can claim a permanent and total disability. If you can hold out, eventually the student loan bubble will burst for enough people nationwide that the government will have to provide some kind of relief. Higher education in this country is a real mess and needs some serious restructuring. Sorry for your troubles, hang in there!

• I finally paid off my student loan this week which is great. I've been paying for it since 1999. I'm elated. But then I'll be filling for bankruptcy next week or the week after. No job and no more money coming in and for some complicated legal reasons, I can't find a job. Basically paying off my student loan made me bankrupt.

• College loans are sweet and easy for creditors because you are allowed to access social security numbers. Unless you're paid under the table there is no way you can avoid paying them, because they have access to your social security info, which tells them your current job. Other than the IRS and other govt agencies, creditors don't have that. You want to not pay back the loan? Then you're stuck going overseas to live, but you'll have to say goodbye to the USA forever.

• Isn't that from Godspell?

• R9, grow up and realize you're at the DL, you frau. R2 was simply doing the just that your frump sister at R1 failed to do. "Oh, I somehow ended up with six figures in student loan debt and now I'm stuck!" I know about debt and how young and older people both get there. I also blame schools and pseudo-schools and the loan industry for being the main culprits. But we all know how student loan money often is used and abused by "students," and you don't slip into six figures over night. And of course such a debt at a young age is both the product of naivete and a permanent noose around the neck. But your uselessness here, R9, stinks.

• R7 you old eldergay queen

• You idiots. All student loans were forgiven as a "gift" from Obama in the election.

  Willard%20Romey

• r10, the word is "principal". OP it would be interesting to hear how this happened. No one should go into that debt without a plan for getting out. I paid off $85k of debt in less than 10 years by living within my means and paying as much as I could as fast as I could -- yes, in this century.

• OP, look up 'Rolling Jubilee', it's a project from Occupy Wall Street where they are buying up debt on the cheap and erasing it. it was featured today on 'Democracy Now' and the guest also mentioned a handbook on how to resist debt.