i went to a really expensive shool. that was my first mistake seeing as how i obviously couldnt afford it and took out a ton of loans. my school cost $30,000 + a yr. not to mention that it's in NYC, the most expensive city ever. but i was young and stupid and could not see the negative possibilities. and, even though my parents did not pay any of my tuition or bills, the gov't, because of my age, considered thier income as mine and i got almost no financial aid. my parents, although i love them, did NOTHING to help me as far as school is concerned. i contacted and got into colleges on my own, got my own loans and have worked since i was 16. even while attending college i always had at least a p/t job for my own personal money. i have no one to thank, or to blame for my situation but myself. as to me being disabled, no i am not. but like i said, i had a few personal issues that impacted my life and schooling that happened one after the other. also, i changed my major in the begining of my 4th yr......which was another stupid thing but i did not enjoy my current major at that time and LOVED my p/t job at a daycare. then, after my b/f of a year died suddenly, i fell apart emotionally and didnt finish out my last semester. after that i needed a break for a bit. just last summer, after a year off, i was supposed to go back to school when i was fu%$ed over my my roommates who i should never have trusted. another stupid mistake, but i lived w/ a couple who had all the bills in their names. i just gave them a check for my share. well**************on june 24th, they told me we had to be out by the first of the month and were evicted. they had not payed the bills in MONTHS and never told me anything. i have proof i payed my share, so legally, it didnt matter. but w/ a week and no notice to save money or another option, i had to leave ny and move back home w/ my parents in upstate ny. and take a crappy job in a crappy town. that's why i cant afford $900 a month. and that is why i defaulted. i tried to hold citibank off w/ semi paymenst and whatever else i could do so that i could go back this coming semester and finish school but it wasnt enough. i even told them i would pay a fee to my school to register early to prove i was going back to school, but they said that didnt matter. they wouldn't give me an inschool deferment until the DAY classes started. believe me I TRIED EVERYTHING!!! also, like i said before too, i keep getting conflicting advice! some people tell me i should consolidate, and then other people say, don't do do it. what do i do?? but, i still dont blame anyone else and i dont want anybody's pity either. i know there's plenty of people in the world who are worse off. and i'd be willing to bet that there are plenty of people in similar situations as me too. that doesn't mean their jerks who don't deserve anything in life.
anyway, rmet4nzkx, if u happen to read this, i did not originally answer your question for two reasons. one, because someone else mentioned that it didn't matter, and two, because i thought it was just asked out of curiosity and not because it had any impact on my situation. my major is art education if it matters. which, by the way, is why i cannot get a job in my major. you can't teach w/o a degree. oh, and i would like to add that yes legal, i did check out the links u suggested and am looking into that already. however, as i stated, most of my loans are private. most consolidation place only do federal loans. i am trying to find one that does federal and private. i also TRIED the whole forebarance thing but citibank would not help me in anyway or make any type of arrangements on my private loans. they only consider federal loans. i still don't quite understand why, but feel free to contact citiassist and ask what the difference is between private and federal loans. the end result of this is i that i guess i won't be able to file bankruptcy. OH WELL!! it was just a consideration after it was suggested by my FATHER who is worried about my loans for me. but if i could i would. and i'm not ashamed to say that IF there was an easy way out, ie. bankruptcy, i would take it. SO SUE ME!!! i don't see why student loans are looked at any diff. than if i had racked up a bunch of credit card debts , car payments and mortgages after spending iresponsibly for years. but that's ok. those people are entitled to a clean slate? whatever. i will just be in debt for the rest of my life unless i win the lotto. i guess i better rush off to buy my mega millions ticket before tuesday nights drawing. wish me luck people!!!