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Student Loan Burden

Organized by: Paul Adams

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I graduated in 1996 from Ohio University with a BSEd in Elementary Education. For several years I worked as a substitute teacher and my student loans were deferred. I worked for a few years at some rural schools and consolidation of schools put me out of a job when new buildings were built. I was back in substitute teaching which barely met my bills. I went through a divorce in 2001 and relied on subbing to meet my everyday bills and life needs. I am a father of 6 kids - 5 of which are grown. Praise God. My new wife and I relied on my substitute teaching for several years. As no permanent positions became available, we decided to go in to foster care and eventually became residential house parents. I have been unable to receive tax refunds due to my loans being in default for several years. I would love to be able to pay this debt in full, so I could get it out of our way to eventually improve our credit rating to buy a home for us and our 11 yr old son. My wife and I are in our 50's and have not been able to save for retirement. I doubt there will ever be retirement. My wife had been ill and we also secured medical bills that are difficult to pay. I do not wish to file bankruptcy and have contacted an attorney for debt restructuring, which does not deal with student loans. I do not owe a great deal in student loans, but it is enough to cause problems for us financially. If anyone could help out it would be greatly appreciated by my family and myself. God Bless you and thank you for your time.


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Paul Adams

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