No, I'm not broke or anything. But it's been so long, by this point, I'm getting a little far too long in my life running away from this problem. Now it's time I faced it head on.
I'm sure you guys heard me complain about it in the past numerous times, but now, I need to know what to do, so I can get this fixed. I just need to know where to start. So, my situation is with Sally Mae. Apparently, when I went to college back in 09...I applied for them, but I got nothing back from them so I left it alone and just went to school. Thing was, even my financial aid for the government wasn't processed...since the school told me incorrect things and led me around in circles, ultimately nothing ever was done on their end. So because of that, I am in debt "legitimately" (I put it in quotes because ultimately it was their fault, but I went to the school, it wasn't approved, so I'm going to pay that off) $580, and I gotta find some way to get that paid off.
Thing was...after a while, Sally Mae began to call me telling me I owed them $25,000 in student loans. Loans I never even heard of, let alone got from them. Now...that was back when I was 19-21...and yeah, I was scared and constantly shrugged off the phone calls and stuff. I mean...shoulda seen my face when I heard that number. Never imagined that big of a number would even have anything to do with me. Anyways, I realize now that I'm 23...how I never had anything written from them. Only those phone calls. So at this point, I'm stuck. I don't know whether it's a scam, identity theft, or if I've been afraid of absolutely nothing all these years.
The other thing is...something's been affecting me about it. My credit score is pretty low, according to Credit Karma. But at this point I'm also feeling a tad unsure, but Mr. Money Guru on CNN Headline news, Clark Howard, did point that as a credible website. And my junk is DEEP in the reds.
I have absolutely no help from the family so this is something I'm esentially entirely on my own on, and I had no teaching or anything about how to handle a situation like this. So does anybody have any ideas on where I should start or what I should do? I'm ready to move up and move on with my life to actually get to DO something.
So, anybody have any ideas on what I should/can do?
6 years, 6 months ago
17 Jul 2012 02:17 CEST