If your state tax refund is being garnished, there’s a chance that the debt has been reduced to a judgment already. If so, that would make it harder to incorporate the debt into any kind of consolidation program.
While making those payments, I don't have to worry about being in debt with the school and can return.
You said in an earlier post that you have poor credit. Getting a debt consolidation loan sounds like it may be problematic.
THANK YOU.
It’s pretty much in their handbook or whatever. It was so bizarre to most even at the university that one of the professors at the school, acted as an educated relative when I met with them to try to get some understanding to why I was still on out-of-state tuition. I didn’t move to NC with college on my mind at all. I went there for a fresh start from Buffalo NY. Nothing nice there. I moved to NC, got a job and was just living. Wasn’t until months later, actually maybe a year that I enrolled into college, just knowing I was better than a 9-5. In NC, you’re considered a resident after one full year, proof being your NC state ID or license.
Thank You for those options. I think it’s just a bill owed to the school and that’s why I thought I could get a loan to have it paid off and I make monthly payments. You’re saying I need to find out who the collection company s and see if I can work something out with them? Given that the school has put it into collections, how would I go about re-enrolling with them? Or is that even possible? I call to ask them, just wanted to know if anybody had an answer… Seeing if it’s even worth it to call, you know?
And no, I wasn’t sued by the school.
http://ncresidency.uncc.edu/faqs
You enrolled in a NC college as an OUT OF STATE student. If you were a resident…you should,have made this case PRIOR to enrolling. My guess…your instate status was denied…because you were already IN undergrad school as am OOS student. It most definitely looked like you were establishing residency for college only.
But whatever…
At this point…you need to pay the bills. And move on.
Re post # 21 – How old were you when you started school? In many states if yo do not meet the state/ school criteria for being classified an instate student at first, you will continue to be classified as OOS if you are continuously enrolled.
That is separate from the debt issue, but could be useful information for going forward.
Here is a government website that helps people understand debt and how to deal with it: https://www.usa.gov/debt. Please read it.