Get Out of Debt Guy

I Was a National Guard Nurse With Loads of Student Loans

Posted January 9, 2015

Dear Steve,

I am a nurse who graduated in 1997. I went into default and had my wages garnished for nearly two years. I was in the Florida Army National Guard and one of the benefits was student loan repayment of $20,000. I took out a grand total of $30,000 thinking I would only have to pay back $10,000 since the Guard would pay the other $20,000. The Guard never paid on my loans, I filled out paper work as I was required but of course I no longer have that paperwork.

After being in default, garnishment and rehab I finally was able to consolidate my loans-over $60,000 worth. I feel as though I was robbed. Since I went into default I do not qualify for any help from the state, I am a critical care nurse who works in a critical needs hospital. I considered doing the loan forgiveness but my payments would be over $700.00 and paid off in 10 years, which I cannot afford. I want to continue on with my education but cannot afford, I pay $475/month. Thank you for any help, I feel so frustrated!!

What can I do to get the Guard to pay $20,000 to me that is owed? Also, shouldn't they pay more since they never paid on them and I know owe double what I borrowed due to them not fulfilling their contract?


…Click here to read my answer.

Steve Rhode
WRAL Get Out of Debt Guy

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About this Blog:

Steve Rhode has had careers in opthalmology, real estate and as the head of a nonprofit debt counseling firm. On his blog, he offers hard-won, free advice about getting out of debt, consolidation and making the right choices as you manage your money.