Private student loans and what do do after chapter 13 question?

[scirwode]

I files Chapter 13 right before the new bankruptcy laws passed in 2005. I knew that my student loans would not be discharged. My lawyer put them all in forbearance. I finished my ch 13 a month ago and have begin to consolidate them.

Last week I received a collections notice in the mail for a 17,000 bill. I was not aware that I even had private loans thru sallie mae, but apparently I do. These are already in collections.

Can these be consolidated also? Private loans are not discharable? I have called sallie mae and have been transferred 8 times......8! After they gave me a new number to call I decided to cool my jets before I call back.

Any help would be greatly appreciated. I have no idea what to do.

[blaeey]

I files Chapter 13 right before the new bankruptcy laws passed in 2005. I knew that my student loans would not be discharged. My lawyer put them all in forbearance. I finished my ch 13 a month ago and have begin to consolidate them.

Last week I received a collections notice in the mail for a 17,000 bill. I was not aware that I even had private loans thru sallie mae, but apparently I do. These are already in collections.

Can these be consolidated also? Private loans are not discharable? I have called sallie mae and have been transferred 8 times......8! After they gave me a new number to call I decided to cool my jets before I call back.

Any help would be greatly appreciated. I have no idea what to do.

[albanwr26]

The best thing to do is start paying for these loans. Your credit report is going to be a holy mess until all this is paid off.

[sampson]

Any loan can be consolidated it is basically like a refinance for lower rate monthly payment to group many loans together. Each semester you probably got a new loan like most do, they don't give you a lump sum up front for all years

pay, pay, pay and contact lenders they are only growing....