Talk:Student loan default in the United States

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Untitled[edit]

This article was obviously written by someone who works for a bank or the Department of Education. It is extremely misleading. It does not say anything about an individual's rights. This entire entry is a disgrace. —Preceding unsigned comment added by 213.121.21.202 (talk) 17:31, 19 March 2011 (UTC) Agreed! — Preceding unsigned comment added by 128.111.82.188 (talk) 00:19, 25 September 2012 (UTC)[reply]

Request that links be added[edit]

I applaud this article and wish to suggest that a new section be added on how to stop collection agents from telephoning the borrower (very popular question)

This page http://en.wikipedia.org/wiki/Fair_Debt_Collection_Practices_Act specifies in the section of Prohibited Conduct how to stop collection agents from telephoning.

I also want to suggest the following links be added:

http://en.wikipedia.org/wiki/Bankruptcy_in_the_United_States

http://en.wikipedia.org/wiki/Collection_agency

http://en.wikipedia.org/wiki/Credit_counseling

http://en.wikipedia.org/wiki/Student_loan

http://groups.yahoo.com/group/studentloans/

http://en.wikipedia.org/wiki/Fair_Debt_Collection_Practices_Act

Many thanks again for a great article that is bound to be popular! Rumjal --rumjal 06:42, 3 January 2010 (UTC)

The rules set forth by the fair dept collections act only apply to third party debt collection agencies and not to the company, public or private, who intialy issued the loan. As such the company who originally issued the loan (ex. Key bank...) is not required to abide by the contact regulations set by the FDCPA while that account remains within thier institution. Pleiades147 (talk) 06:47, 26 January 2010 (UTC)[reply]

Problems with article[edit]

The article is clearly US-centric and needs significant changes to represent a worldwide view on student loan default.IBstupid (talk) 06:04, 22 April 2010 (UTC)[reply]

focuses to much on the us[edit]

i provides no inromation about other countries, i'm adding a usa centric tag at the top76.66.187.33 (talk) 02:16, 24 November 2010 (UTC)[reply]

Article needs broader focus[edit]

Currently the article is solely from the point of view of possible consequences for the individual borrower, and not even very good at that. As a reader, I am also interested in the broader social and financial causes and effects of student loan default in the U.S. Some ideas:

What percentage of student loans are in default or have been in default over time? (A chart would be nice.)
Total (or average per student) student loan debt in the U.S. outstanding over time. (Combined with above...)
Dramatically rising tuition over the past several years.
Dynamics of the whole thing: Federally subsidized lending and easy money lead to skyrocketing tuition, which together with unrealistic expectations on the part of borrowers leads to inability to pay back loans. (My own POV.) Studies to cite ???
Inability to discharge student loan debt through bankruptcy.
Who is investing / lending the money and not getting paid back?
How are these student loan debt instruments traded in the market? Do they have a rating?
Charities, such as "rollingjubilee.org". What effect, if any, do they have?

It's a big issue, especially in the U.S., and it deserves more of an article. 71.222.77.62 (talk) 08:37, 26 December 2014 (UTC)[reply]

Rehab[edit]

The section on Rehab switches to the second person. This should be changed. Also, the transfer to a (new) lender does not indicate the dangers that an article in Rolling Stone indicates are present: https://www.rollingstone.com/politics/features/taibbi-the-great-college-loan-swindle-w510880?wpmm=1&wpisrc=nl_todayworld . Kdammers (talk) 08:53, 7 November 2017 (UTC)[reply]

A Commons file used on this page has been nominated for deletion[edit]

The following Wikimedia Commons file used on this page has been nominated for deletion:

U.S. Student Loan Debt Distribution Q4 2012.png

Participate in the deletion discussion at the nomination page. —Community Tech bot (talk) 21:37, 17 May 2019 (UTC)[reply]