I have exhausted my student loans from Sallie Mae. What do I do?

You haven't talked about aid like Pell Grants via fafsa.ed.gov. Also, if you have maxed out per Sallie Mae, are you a 5-year student, or did you change your major a bunch of times, or fail a bunch of classes? To finish your degree, attend 1 class at a time at the closest, cheapest college to you. That's what a lot of us have to do.

You may qualify for certain types of private student loans. You'd need to talk to your bank or credit union. Private student loans tend to have pretty harsh terms, and it sounds like you're already in a lot of debt, so you want to do this with caution.

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That really sucks - not only because you can't afford to finish your education, but also because you are going to be into Sallie Mae for a long time even if you can.

If you've got parents who are willing to do it, you can take out 'plus loans' to cover the additional tuition, or talk to your school and see if there are any other options.

Sallie Mae is a crooked-azz p.o.s. company - a predatory lender AND unscrupulous collection agent. If you let them dictate the terms of your repayment, you could easily die owing considerably more than you ever took out in the first place - even if you are making payments the whole time.

I don't suggest anyone do business with them - but a lot of people never set out to do so in the first place, but have their loans bought by Sallie Mae (my wife is a good example - I had to damn near drag someone from Sallie Mae out in front of their corporate offices and shoot them in the back of the head execution style to get their attention).

Strangely enough - I was able to work out reasonable payment arrangements for my loans, despite making more money - and having a more stable career. It was like dealing with two completely different companies. They were bound and determined to rape my wife, and I put a full stop to that sh**.

Ironically, she had taken out all of her loans while still working on her undergraduate degree - before getting an assistanceship to pay for her graduate degree (she taught freshman courses, had her tuition payed, and received a small stipend).

Now - the reality is that it is necessary to bust your azz in school, and apply for every scholarship, grant, etc. possible before even considering taking out a penny in student loans - work a job, work two jobs, save up, and if (and only if) you have exhausted all other possibilities - take out loans.

BUT!!!

Only for the amount of tuition - do not use student loan money to buy books, food, clothes, pay rent, or ANYTHING other than tuition. I can't stress this enough.

A lot of people are fully responsible for the situations they have found themselves in - blowing through every cent of their loans, not taking serious classes (or taking the classes seriously), but there are a huge number who want to handle their accounts, and are unable to do so because of blatant incompetence, ignorance, and sheer spite that I have seen displayed by Sallie Mae.

F**k them - seriously.

You could get your act together and actually graduate. OR you could stop taking out more money than you need and using it as income. Just sayin...