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What do I do now?!?!?!
October 1, 2018
2:23 pm
Rachel Y

My ex-husband and I consolidated our loans back in 1999. Not my choice, but I went along with it stupidly. We divorced in 2008, with the agreement that we would each put some towards the student loan total. Well, in 2012 he is able to have his part of the loans discharged due to medical disability. I get a letter from our loan company (GSMR), saying I only owed $25,000 as a result of everything. I called, confirmed this with numerous people. In October I had to file Chapter 13, and during that time the majority of that $25,000 was paid off, and I was left with the understanding I only owed about $3000ish afterwards (June 2018). Imagine my shock when I am told that I owe $81,000ish. Due to moving and getting married, I can’t find my copy of the letter, and absolutely nobody at GSMR is helping me. I keep getting a myriad of responses, and told that well some of the loans from my ex were subsidized, some were’t, blah blah blah.
What can I do? I have looked for that letter, called GSMR MANY times, and this is NOT helping my anxiety or depression.

October 1, 2018
2:34 pm
Forum Posts: 351
Member Since:
May 3, 2014
sp_UserOfflineSmall Offline


This sounds like a major issue.

Given that your lender says you owe $78,000 more than what you believe you owe (if i’m understanding your post correctly), I think it is probably time to take this issue as seriously as possible.

My first thought is that you should probably find a local attorney who specializes in work with the Fair Debt Collection Practices Act, often called the FDCPA. A local attorney with experience representing debtors could be an excellent investment on your part. At the very least, you could make an appointment for an initial consultation and the decide if this is the approach you want to take or not.

I’m personally of the opinion that the vast majority of student loan questions and issues are DIY. This site was created to help in those situations. Based upon your description, this probably isn’t a DIY situation.

Best wishes, and if you think of it, please come back to keep us posted on how things go,


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