Graduated 3 years ago meme degree

>graduated 3 years ago meme degree
>went unemployed for a year
>found a waiter job that paid phone, insurance, etc
>restaurant closed and unemployed again
>unemployed for another 6 months
>for the last 12 months work a retail job
>my check gets raped with taxes so still low income
>just got a letter in the mail the school is suing me for loans
>the letter itself just says "IF YOU DISAGREE WITH PLAINTIFF CLAIM..."
>too poor to afford an attorney

So what if I agree with the claims, I just don't have the money to pay it now?

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What'd you get a degree

in

sport management

i had like 20 interviews but nothing ever led to anything. and i did 2 internships during college and stuff.

in my retail job i got promoted to full time after 6 months, and got a 4% raise during my annual review 2 weeks ago. i was hoping by like January I would get promoted to manager, cause my bosses love me. i work 40 hours a week without fail. called out once this past year. help every department.

i knew these loans would catch up with me, i was just hoping to get a decent income to pay them off.

You know you can postponed the loans over great many years (with interests added ofc).
...As long as you actually remember to log in and fix it in time.
Ofc i'm comparing this to the norwegian system.
And you probably live in a bamboo hut that is elevated over a stream of free flowing sewage. (for all i know).
You should look into this.

I'm in much the same position OP. I've been putting this shit off too long. I fucked up and got taken off IBR in the beginning of 2017, and just got so stressed out that I never reapplied and just didn't pay. They defaulted my in March and have been sending collection notices.

I know I can rehabilitate my loans, but I just... I don't know why I can't fucking just make myself handle this shit. It's not like it's hard. When I was on IBR my payments were zero. I figure I have less than six months until they file a collections action.

I just need to rehabilitation and, fuck, I could even clean up my credit.

You might be able to settle the lawsuit and enter rehabilitation if you're talking about federal loans. If it's private loans, I don't know. You might want to look into bankruptcy.

Either way, go find a legal aid lawyer. If you're that poor, you qualify for legal aid.

Thanks m8.

This shit stresses me out too and I have no one to blame but myself for being a retard in college, and an incompetent adult.

This past tax season my refund of 3K was withheld and went directly towards paying back loans.

Luckily all my loans are federal loans. Just this is the first time it was a legal action and not “please pay”. Like they’re threatening to garnish my wages and freeze my bank account, in which case I would truly be fucked. I just signed up for Uber, like I’m panicking on all fronts.

Wait you got a degree in sports management? Wtf were you thinking?

If OP is getting taken to court then it's too late for that. Here in burgerland we have federal loans and private loans. Federal loans are pretty forgiving. Private loans, you're pretty much screwed unless you can avoid them until the statute of limitations is up.

Wait, what? You got a subpoena for Federal loans? I didn't even know they did that. I went almost ten years and never went to court.