ASA Toolbox

Repayment tools and calculators to help with your student loan repayment.

Consolidation Woes: Dear Betsy: In 1996 my wife and I consolidated our loans together, hers being ⅔ of the amount, mine being ⅓. We divorced a year later with a divorce decree stating that each of us is responsible for half the loan.; Read More
Postponing Repayment: Dear Betsy: I am no longer working, and my loan payments are behind. Do I need to apply for forbearance or a deferment, and where do I find these forms?; Read More
Rehabilitation Success Story: Hi Betsy: I am writing this to say thank you! I contacted you over a year ago regarding my delinquent student loan and you gave me the courage…; Read More

A Balancing Act: When a 40-something-year-old woman working as an administrative assistant decided to pursue her dream of law school, she turned to student loans to help foot the bill. Unfortunately things didn’t go as planned and she was unable to pass the bar exam to practice law as a profession—but she still had those hefty student loan bills.; Read More
Sometimes Student Loan Repayment Solutions Aren’t Flashy: When a 50-something student loan borrower lost her hearing and defaulted on her obligation, there weren’t many options left to her loan collector. The borrower sought complete loan forgiveness but it was out of the question, as federal regulations mandate that the borrower be totally and permanently disabled.; Read More
Extreme Life Circumstances Demand Extreme Solutions: Forty years ago, a U.S. Armed Forces veteran survived a life-threatening car accident that caused permanent mental, physical, and emotional disability. Three years after the accident, the borrower attempted to get his life back on track.; Read More