Hello,

I was born and grew up in the United States and ALL of my debt is in the United States. I have credit card debt which is not too bad, only $2500 but the majority of my problems is my student loans. They are absolutely ruining me. I was thinking the other day that I went to College so that I could have a better job and a better life yet because I went to College, my life is in complete ruins.

I have two Federal loans and two private loans. When I graduated College, i was offered a job immediately in Ireland which I accepted. I made decent money my first year and was able to keep up with my massive student loan payments (they are over $500 a month combined) Two years ago however, the economy really dipped and hours were cut back. I was unable to make my payments. So I went through the deferment and forbearance processes with my different loans. My federal loans are still in Deferment now but I have used up all of my Forbearance with my biggest Private Student Loan. I called them and told them that I could not afford the payment. They lowered my payments by $50. Thanks guys. I told them couldn't afford the payments. They operator told me on the phone verbally, Then pay what you can. So I did, but that still lead to problems. I started out paying them $150 a month which I didn't think was unreasonable. Again, I put both federal loans in deferment, and I just paid my other private loan as it is only $35 a month. Then last year, the economy got really bad and I was bringing home less money. I called my credit card company and told them that I would be unable to make my payments, they told me the same thing, pay what you can. I also started paying my Private Student Loan $100 a month instead of $150 because that was all I could afford.

Last month, I got notice that my Private Student Loan has become default even though I have been paying them every month like they told me to do. I called them and tried to work out a Payment plan to get things back on track but I just can't afford the payment plans they want. They say $100 a month just isn't good enough.

I thought things were Ok, then they went into default, this makes me worry about my Credit Cards doing the same. I am drowning in debt, I honestly have more debt now than I can pay. On top of that my Apartment is $300 a month plus other utilities. I honestly and truly went 1 full week without eating because I couldn't afford food because of these bills. I am been working a second job just to try to make it. I have not pleasure in my life at the moment. I can't date, because I can't afford to go out and do anything. My whole life at the moment is Work and Home.

I don't live in America anymore so there is only so much the loan companies could do to me. But that still doesn't mean I want all of this to happen. I have a bank account in America, all of my bills are paid online and must be paid from a US bank so if this company freezes my bank account, they will not get much money as I only transfer money to that account to pay bills. But if they were to freeze that account, then I wouldn't be able to pay any one anything. I am absolutely terrified right now. I am continuing to pay $100 a month on my Big private loan, the $35 on the small private loan, and about $90 a month between my three credit cards. I just can't do any better than that.

What should I do? What can I do? Any advice would be greatly appreciated.



I have continued to this to the present. Whe