1. I was not aware when my loan payments were to begin.

  2. I was not happy with the classes, so I dropped out and don't think I should have to pay.

  3. I got behind in making payments and was afraid to seek help.

  4. I was embarrassed to bring attention to my situation; therefore, I didn't ask for help.

  5. My loan was purchased, so I thought that meant it was paid off.

  6. I don't have a loan. That PLUS loan is my child's responsibility, not mine.

  7. It's a government loan; no one pays those.

  8. I ran out of coupons and didn't get a new coupon book.

  9. What can they do to me? Repossess my education?

  10. I have 10 other debts; my student loan is number nine on my list.

Source: USA Group

Contrary to rumor, however, there is no escaping student loan repayment�even bankruptcy doesn�t wipe out an outstanding student loan. So explore all your payment options, and contact your credit union with any questions or concerns.

©1999 Credit Union National Association Inc.