Consumer complaint received 2018-11-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Credit Adjustments Inc (MN)

Well In XX/XX/XXXX my loans went into default I had a job but was at the time XXXX in and out of shelters and finally was accepted into permanent supportive housing. Unfortunately I only had a low paying part time job which i was barely able to make ends meet and I had done forebodance previously and was planning on trying to do that again then was laid off from my job late XXXX and on XX/XX/XXXX I sustained a XXXX XXXX XXXX from a XXXX XXXX which left me unable to work for around 5 months during those 5 months I was undergoing constant medical treatment and XXXX XXXX XXXX XXXX and was only receiving benefits from the county falling behind in all bills and facing eviction I just as of this month XX/XX/XXXX have just now caught up on my rent and am getting into a more stable situation I though back in XXXX or XXXX I had done some sort of corresponding about my student loans and should definitely have been getting assistance with handling my important financial matters seeing as I did not have the XXXX XXXX at that time and actually still suffer from XXXX XXXX XXXX XXXX XXXX as well as a number of XXXX XXXX XXXX from the incident however I did not seek assistance and thought i was handling everything just fine however i was not and am still trying to stabilize financially. I do now have full time and gainful employment and am in a position to begin making payments however my loans are already in collections and I know i made my loan servicer aware of my situation at the time but i do not recall being given any information on options as far as payment arrangements or deferment and I could be wrong i honestly do not have any clear memory of anything for about six months after my injury but I now feel like if my wages are going to be garnished at a time when I am finally beginning to become stable it will force me into homelessness   and probably back to being unemployed I am considering bankruptcy at this time however this action has already started to happen and I just can not afford to take any loss in my income like the paperwork is saying. I now its my own fault but I was only living on my food stamps and a tax refund for over five months and still was not able to manage I do live in section 8 housing but unfortunately the timing of my injury and changes being made to adjust my rent took nearly two months my landlord was working with me thank XXXX but I have no room for any more falling behind i will be forced back into homelessness is there not any options available for me at this point or perhaps do I need an advocate of some sort to assist me? I can make payments within reason but i do have rent bills and am a single mother and i receive no child support whatsoever and my rent was just increased this month my energy bill was over a thousand dollars which i have spent the last two months paying off and now this. I am not avoiding the situation I actually would like to get the situation to a manageable level if at all possible