I want to do the following on my student loans!   Here are my thoughts on how the bank committed fraud and broken the agreement with me the student.    Need to have the original, wet-ink note I signed for review because : The bank may have changed the note to make it marketable from a securitization standpoint, thereby raising the issue of whether such changes have made the note invalid and unenforceable The assignments of the note I signed may not have occurred, or may have occurred through an illegal, forged or fraudulent way ; Also to see if the loan agreement owe me the student the duty of negotiating a loan modification agreement in good faith. Failure to negotiate in good faith would be a defense, arguably, to the note ; Failure to negotiate in good faith would be an defence.    The ban k may b e charging illegal, usurious interest on the loans in spite of various rulings which permit banks to charge usury ; I have had made various payments to other banks that that have not been reflected.   The ban k may have written  off the loan with the IRS ( evidence by a form  XXXX  ; ) I need a lawyer ask for the required docs and get a case against my loan note holder.   A lawyer could spend a few hours looking into ( and perhaps resolving some  of ) the  various issues I have outline.     Need him/her prepare and file a complaint but at all times you must make sure that any lawsuit is meritorious ( meaning, that you have a basis, which means that I was defrauded into signing the student loans for a course of study which the school knew statistically would not result in sufficient income for you to be able to service the loan ).     Bottom line Took out  XXXX  of loans 20 years ago and now owe  XXXX . Now repayment {$890.00} a month for 40 years.  XXXX  totally to pay off a student loan. That should be an felony . Plus they wi ll doc my Social Security too. This has gone too far!   There is a reason why student loans is more than a  XXXX  dollars business outstanding student loans.   Was denied financial aid in  XXXX  from  XXXX   XXXX  College and was told to resubmit paper work and fill out that I lived on a house boat, open  a PO box , handed a r ental contract and how to fill out student loans to qualify. The college must be getting kickbacks from the lenders and government. This is 100 % fraud. All I need is just have to have a court order to find it!   If any of the above request can not be meet, it would be a breach of contract. Right?   Take a look at this graph and tell me why its a  XXXX  dollar business. Because our corrupt government made it impossible to get out of a student loans and wants a national full of debt slaves.   I thinks the loan holder and college will settle out of court instead of opening a can of worms and with a risk of being a found guilty of fraud. If being presented with these issues and I think they would settle out of court.   A lawsuit, based on fraud, could also be commenced at the same time against the college and guarantor institution, both of which must have known about the fraud based upon the statistics the college had to prepare to publish. Even though th ey may not now  own the notes, their presence in the law suit might be helpful to encourage overall settlement of the lawsuit and to help us establish though discovery that the present owner of the notes is not the holder in due course and is subject to our defense of fraud.   Student loans are very similar to home mortgages. Both involve a purchaser acquiring massive, life time debt secured by real estate and a higher education and are both underwater for millions of Americans, with the value of the property and education worthless than the amount owed to the banks.   I the student should not only be unafraid of being sued on student loans, I want to start a lawsuit myself against the lender and college.   Bring suit, then settle in suit! Short & sweet and simple.