keep me from getting my return? I was supposed to get back around $600 last year, and got a check for $2 from the gov't. NC State was taking back some of what I owe them. Now i'm doing turbotax after filing an extension and it's asking me if i paid back some student loan interest this year and i want to say fuck yeah, about $500 worth! would that be right? I called the collections agency and it's in default and I'm broke as shit right now, so I told them I'd call them when i got some more income.

little help. this is my second time ever filing, so any help is appreciated!!

7/27/2011 2:55:12 PM

if you have or can get a secu account, they do your taxes for you for free...better than H&R Block, etc.

7/27/2011 2:59:06 PM

defaulted student loan?

oh... that's just a term

it's still there, right?

[Edited on July 27, 2011 at 3:02 PM. Reason : .]

7/27/2011 3:02:10 PM

Well, I think the loan is technically in default if he stops paying it. But he can't get the loan forgiven through bankruptcy, so he'll have to eventually man up and pay it off. As far as I know, student loans are impossible to write off, and the creditors have a large number of protections.

7/27/2011 3:04:56 PM

poop.

and can't get a cu account cause i owe $118 on a credit card from '07

[Edited on July 27, 2011 at 3:16 PM. Reason : .]

[Edited on July 27, 2011 at 3:17 PM. Reason : .]

7/27/2011 3:12:39 PM

Quote :

"and can't get a cu account cause i owe $118 on a credit card from '07"

GET A FUCKING JOB

GET OFF YOUR ASS AND GET A FUCKING JOB.

$118 @ $7.25 is 16hours of work AT MINIMUM WAGE.

you can knock that 4 year old bill out in 2.1 days of working.

7/27/2011 3:27:44 PM

You need the form to tell you how much interest you paid on your student loans.

But the gubbment is gonna get your refund if this is a federal loan anyway.

7/27/2011 3:28:45 PM

Quote :

"if you have or can get a secu account, they do your taxes for you for free...better than H&R Block, etc."

no shit?

[Edited on July 27, 2011 at 3:29 PM. Reason : learn something new errrday]

7/27/2011 3:29:16 PM

do you not have $118 to your name? that is fucking obsurd. Sell something, offer to do work for freinds family and neighbors. You dont deserve a refund if you cant pay your debts, that is just stupid

7/27/2011 3:30:27 PM

You should be able to call the organization that is handling the loan (acs, aes, etica) and get a statement outlining how much went to principal and interest. If one place received $600 or more in interest payments from you last year then they were/are required to send to you a 1098e (I assume this to be true even if they get the irs to withhold it from a refund). If it's less than $600 it's your responsibility to find out.

[Edited on July 27, 2011 at 3:31 PM. Reason : []

7/27/2011 3:30:45 PM

^thanks


^^fu

7/27/2011 3:50:06 PM

you're a worthless piece of shit

7/27/2011 3:55:26 PM

horrorshow



Please list all the debt you owe ITT.

7/27/2011 3:57:45 PM

Quote :

"do you not have $118 to your name? that is fucking obsurd. Sell something, offer to do work for freinds family and neighbors. You dont deserve a refund if you cant pay your debts, that is just stupid"

Agreed. Not so much that you can't pay off $118, but that you've known about it for 4 fucking years and haven't paid it off.

7/27/2011 3:59:33 PM

so full of lolz

7/27/2011 4:03:13 PM

i owe ITT about 8K

and at this point, i don't intend to pay off the debt. if i had $118 extra right now, i'd either pay off my title loan or get some new pickups for my guitar.

[Edited on July 27, 2011 at 4:04 PM. Reason : .]

7/27/2011 4:03:21 PM

The bums will always loose

7/27/2011 4:10:25 PM

Quote :

"i don't intend to pay off the debt."

7/27/2011 4:13:13 PM

Trollin'? I can't stand this kind of attitude. My best friend is always complaining about having < $500 in his account but he somehow can buy weed three times a week, beer 3-4 times a week, and cigarettes every other day??

7/27/2011 4:14:27 PM

i hope this is a troll attempt too.

anyone who doesnt intend on paying off debts makes me

[Edited on July 27, 2011 at 4:17 PM. Reason : its one thing to have something happen and you can't but to just straight out say you wont? ]

7/27/2011 4:15:52 PM

Anyone smokin that much should be dealing

7/27/2011 4:15:53 PM

Unless I'm missing something, if you haven't paid any of your student loans, then you didn't pay any interest towards it. So you wont get any refund. I really doubt you paid $600 IN INTEREST on anything

I made similar mistakes as you when I was young, and believe me its a pain in the ass to unbury yourself from even minor shit when it starts to pile up. If you have any desire to rent a place or buy anything with credit in the next 7-10 years, you really need to get your shit in gear

7/27/2011 4:16:46 PM

^^ He is a medical marijuana user in Colorado.

7/27/2011 4:18:42 PM

Quote :

"horrorshow All American 666 Posts"

neat

7/27/2011 4:28:54 PM

Well, as I stated, you might be able to walk away from auto loans/house loans/personal loans, but you'll eventually have to pay your student loans one way or another.

7/27/2011 4:29:47 PM

Quote :

"Anyone smokin that much should be dealing "

dimebags and 40oz's don't really indicate wealth

7/27/2011 4:32:47 PM

Quote :

" anyone who doesnt intend on paying off debts makes me "

why, what the fuck do you care?

I mean, what the fuck do any of you care what this dude does?

If you have political problems with supporting people like him so be it.

Simply say I won't loan money to people like him... fine, but get all pissy about human nature, in general?

You people are just as miserable and offensive as he.

7/27/2011 4:34:46 PM

no, you!

7/27/2011 4:36:04 PM

you can smoke and drink on a budget you just have to buy cartons and 24-packs

7/27/2011 4:37:52 PM

^ Agreed, but dont complain to me about not being able to pay the rent when you somehow managed to budget for booze/weed/cigs.

7/27/2011 4:39:23 PM

Quote :

"why, what the fuck do you care? I mean, what the fuck do any of you care what this dude does? If you have political problems with supporting people like him so be it. Simply say I won't loan money to people like him... fine, but get all pissy about human nature, in general? You people are just as miserable and offensive as he."

woah woah nelly
chill the fuck out dude.


what.the.fuck?

1. i did not get pissy.
where did you get that?



[Edited on July 27, 2011 at 4:41 PM. Reason : youve been riding my ass lately. have i done something to you?]

7/27/2011 4:40:30 PM

Quote :

"why, what the fuck do you care? I mean, what the fuck do any of you care what this dude does?"

because enough people doing this turns our country into a pile of shit?

7/27/2011 4:41:40 PM

Everyone's getting mad?

7/27/2011 4:42:41 PM

because people love to look down on others and when you point out that that's a really miserable way to be

they get mad

7/27/2011 4:44:00 PM

i have no idea what i did.

7/27/2011 4:44:06 PM

this isn't about you

jeez

7/27/2011 4:45:08 PM

I, personally, am looking down on him from my Ivory tower. I may even spat if he comes within range.

7/27/2011 4:45:34 PM

Dude should rent some furniture

7/27/2011 4:46:44 PM

you quoted me to even begin this whole whatever.

therefore you are talking (and looking down i will add) on me.

i feel like this very much involves me.

Quote :

"because people love to look down on others and when you point out that that's a really miserable way to be"

you actually make a very good point, but if you have some sort of reference, standard, you hold your self to and if someone else chooses to be below that standard (not because of external influences but because he or she chooses to), i think it's really hard not to pass jusgement.

but yeah, i can see what you are saying.



[Edited on July 27, 2011 at 4:49 PM. Reason : i can't type]

7/27/2011 4:48:25 PM

I mean, honestly, when he was like "or get some new pickups for my guitar."

I was like... roll on brother, fuck the man.

...

he knows he's being miserable and he'll have to straighten up at some point.

but fucking tell me that getting a new pickup isn't some good prioritization

7/27/2011 4:49:44 PM

Quote :

"why, what the fuck do you care? I mean, what the fuck do any of you care what this dude does? If you have political problems with supporting people like him so be it. Simply say I won't loan money to people like him... fine, but get all pissy about human nature, in general?"

People like him don't say "Can I borrow $200? I am not planning on paying you back."

7/27/2011 4:50:54 PM

Neither a borrower nor a lender be;
For loan oft loses both itself and friend,
And borrowing dulls the edge of husbandry.
This above all: to thine own self be true,
And it must follow, as the night the day,
Thou canst not then be false to any man.

...

yeah, there are two parts to that equation there

7/27/2011 4:52:36 PM

Iop1

7/27/2011 4:56:20 PM

ok im lost now
(i am NOT being mean or anything so dont think im trying to troll or whatever)

so we shouldn't lend or borrow money, therefore by getting (and spending) credit i shouldn't be obliged to pay it back b/c a bank was stupid enough to give me one?

thats what im gathering from hamlet (is that right, to thyne own self be true i remembered )

my mind is wide open.
and maybe im reading it wrong.
im not here to just disagree with you.


[Edited on July 27, 2011 at 5:04 PM. Reason : i'm gonna back out though.... my brain is already full i'll check back later. ]

7/27/2011 5:01:34 PM

i work with financial aid on a daily basis...

once you default on your loan the govt can A) garnish wages/returns B) keep you from getting/retaining professional certifications/licensure. C) require you to pay debt in full D) file a lawsuit that can prevent you from purchasing assets.

The government always will get this money back, regardless of if you intend to pay them or not. not paying it is one of the stupidest things you can do, because its also going to remain a negative hit on your credit score/report for 7 years from the day you get it settled.

your best bet would be to call your lender and get set up on a payment plan. they'll start you on one for sometimes as low as $20/month.

[Edited on July 27, 2011 at 8:49 PM. Reason : ..]

7/27/2011 8:47:42 PM

Wow, yea, they're usually lenient as hell, too. At one point I told student loans there was no way I could make the payments in full for the time being and they were fine with half until my finances improved.

7/27/2011 9:05:30 PM

^But he can't buy half a pickup now can he? Shit.

7/27/2011 9:15:00 PM

lmao

I'll sell him the complete piece of shit car I was barely getting around in at that time

[Edited on July 27, 2011 at 9:16 PM. Reason : ]

7/27/2011 9:15:27 PM

someone didn't RTFT ITT

7/28/2011 11:34:18 AM

Quote :

"i work with financial aid on a daily basis... once you default on your loan the govt can A) garnish wages/returns B) keep you from getting/retaining professional certifications/licensure. C) require you to pay debt in full D) file a lawsuit that can prevent you from purchasing assets. The government always will get this money back, regardless of if you intend to pay them or not. not paying it is one of the stupidest things you can do, because its also going to remain a negative hit on your credit score/report for 7 years from the day you get it settled. your best bet would be to call your lender and get set up on a payment plan. they'll start you on one for sometimes as low as $20/month. "

I dont think his brain is capable of understanding the consequences of not paying debt. If he did, he would have paid by now. Dude doesn't care.

7/28/2011 11:57:35 AM