HELP!!! about 40k in joint student loans with ex wife. (split in ‘05). She split the country, can’t find her. I’m paying about 36 k on her behalf… ALMOST done with my portion. Through ed-financial south (I think). Just called NSLDS and they said they can’t fin ANYTHING under my ss#. Furthermore, this guy thinks that because their is nothing listed under my ss #, that she’s completely liable. What if I were to just stop paying?

Interesting thing: I’ve been paying religiously since 2007 w/out help from ex wife; all the while fearing my credit would take a hit. I would love to show these cretans where to take their student loans that they gave to my ex.

What is the law that governs this?

A couple of thoughts:  Pull a copy of your credit report for free at annualcreditreport.com and look through everything there to try to find anything about the loan.  Ask the lender you’ve been paying IN WRITING for a copy of the Promissory Note.  See if you signed it.  Try to retrieve a federal student aid PIN https://pin.ed.gov/PINWebApp/pinindex.jsp and log in to NSLDS to ensure that the info you got on the phone is right.

I checked online with my pin… shows nothing. Up until I purchased my house (about two and a half years ago), the credit report DID pull on the loans. I’ll call EdSouth and ask for a copy of the promissory note. What if they can not produce one? Thanks so much for your replies!

As Heather has already said, spousal consolidation loans were a disaster from the word go which is why they no longer exist.  Among the sucky things is no matter what you want to do both sides must agree (such as a General Forbearance) and to place a deferment both parties must qualify (even if they are different deferments such as one unemployment and one economic hardship)

In order to qualify for PSLF, you must have Direct Loans.  But since these loans were long since abolished before the Direct Loan program came about, there is no such thing as a Direct Loan Spousal Consolidation.  Because they are not Direct Loans, they do not qualify.  Of course any other loans that are eligible can be included so if this consolidation is not all your loans, not all hope is lost.

That is the why as far as the what, what Heather said to do is the proper step, only Congress can make changes so best luck to all.  But it is that one caviet of it must be a Direct Loan that causes the issue.

itsamymichelle…I feel for you. I am in the same boat, except I’m currently able to make the payments. It’s horrible, though…his education will be FREE! Get this…because my ex is the primary loan holder on the account, he receives the 1098-INT statement that’s in his name, listing payments that I MADE and should at least get to claim on my taxes.  It’s criminal…absolutely criminal.

Dear Readers,  It’s 2016 and this thread has been on going for a while without any closure.  I’m seeking direction on how we can separate my wife’s Student loan from her ex-husbands student loan which they had consolidated and then divorced.  As many of these post have read, it is a road block with no consideration to reality.  Do we all take a stand and stop payments until an action is taken?  As for my wife story and I’ll make this as short as possible.  She has a consolidated student loan with ex,  she is responsible for about 60%  but the loan is in his name and Moheala doesn’t recognize her on the loan until they pull up the loan number.  Her credit report shows this debt with no monthly payment due, and I’m unsure if she had signed the promissory note but I know she has signed deferment payments.  As of today we are locked into working with her ex and his wife every tax filing year which our finance is non of there business, and they like to threaten us with not filing his paperwork with Mohela every year since he had a portion of his loan forgiven.  Something has to be done with being able to separate these loans.

Is anyone still dealing with this issue that has found a solution? I have an ex that has student loans consolidated with mine. I would not qualify with her. She is not my SPOUSE anymore. My credit was impacted greatly before I applied for deferment. It will be again when that runs out this fall.

I would love it if someone could point me in the right direction to who to communicate with (My congressman), what to say and what resources are out there for my situation. I think it is more common than would be assumed.

Has anyone been able to qualify for PSLF on a FFEL consolidated loan with an ex-spouse?

Thanks

I’m in the same boat looking for answers.
I share $67k in Navient student loans with my ex-wife. My decreed portion is around $35k. Since our FFEL consolidation in 2001, I have paid it for 12-13 years. It has been on deferment the rest of the time. I applied for PSLF through Navient. I will not qualify with her income. She is not my SPOUSE anymore. My credit was impacted greatly before I applied for deferment. It will be again when that runs out this fall. Can I qualify for a IBR or PSLF program separate from her?

This is unbelievable.  I too am trying to find a way to legally split my spousal consolidation loan.  My remaining balance is around $20,000 which I can pay off, but he still owes close to $85,000 which he can’t get another loan of any sort to pay off.  My name is the primary on the loan, so even if I pay my portion off, I’m still on the hook for his.  Please tell me someone has found some way to split these loans.  I can’t believe they can legally do this!

Dealing with documents can actually be a challenge, and because of my work, I have to manage paperwork pretty often. Thankfully, I managed to discover great software by the link, and it actually saves a lot of time for me, but I can’t even imagine what it’s like to deal with such credit reports and loans.

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