Department of Education websites. This scholarship honors the memory of Akash Kuruvilla. Debtors believe this debt is for student loans obtained by their granddaughter. Applicants must be at least 25 years of age and may have taken a break in their educations to seek employment, care for their children or because of financial burden. Applicants may not be post-doctoral students. Applicants must be attending a U. Ford Direct Loan Program.
Federal Direct Subsidized & Unsubsidized Loans for Students. Methodist University participates in the William D. Ford Federal Direct Student Loan Program (Federal Direct Loans) for the processing of the Federal Direct Subsidized and Unsubsidized loans. The Seattle Office of Housing, an executive office of the Mayor, builds strong healthy communities and increases opportunities for people of all income levels to live in our city. This section of FinAid provides information about secondary markets. Secondary markets ensure the liquidity of the Federal Family Education Loan Program (FFELP) by buying student loans from education lenders.
These colleges accounted for about 2. Overall, private college borrowers defaulted the least 7. Borrowers from 2-year and year programs performed the worst during repayment since Student loan debt has become synonymous with higher education - and rightfully so.
Interesting Finds For borrowers entering repayment in , the national average default rate on federal student loans was Private, 2-year college borrowers had the worst default rate at Public, year college borrowers defaulted at Private, year college borrowers had a default rate of For-Profit, year college borrowers defaulted at North Dakota student borrowers defaulted the least at 6.
Cohort Default Rates by State. I appeared in several times Court to obtain the loan repayments promised by my ex-wife. Before filing for this bankruptcy, I have not been in default. The loan statements are difficult to understand and I have probably over stated them on Schedule F. I ask the Court to include this amount in the discharge. Box Wilkes-Barre, Pennsylvania Kelly In re Kelly , B. Sallie Mae Servicing Corp. In re Faish, 72 F. New York Higher Educ.
In re Crawley , Bankr. Gleason cannot maintain, based on her current income and expenses, a minimal standard of living for herself and her dependents if she is forced to repay the Loans. Gleason suffers from physical ailments including recovering from open heart surgery and back ailments.
Gleason has various physical ailments which have required twelve 12 surgical operations as of the date of this bankruptcy filing. Gleason if she is forced to repay the Loans. Gleason received no educational benefit from the Loans which would increase her ability to repay the loans. Gleason have rendered Mrs. Gleason unable to repay the Loans. No amount of personal or financial sacrifice would enable Mrs.
Gleason to repay the Loans without subjecting her to severe medical hardships and a life below a minimal standard of living. This adversary proceeding relates to all amounts owing under any of said loans, regardless of the amounts stated as of February 27, According to documents supplied by Sallie Mae, Inc. Each of these loans is an educational benefit loan made, insured or guaranteed by a governmental unit, or made under any program funded in whole or in part by a governmental unit or nonprofit institution, within the meaning of 11 U.
In addition to the above and foregoing loans, Plaintiff is also a borrower obligated to Sallie Mae, Inc. On information and belief, one or more loans, and loans further redesignated as Loans , , and all under account number have been sold to the United States of America Department of Education, although said loans are being serviced by Sallie Mae, Inc.
Said loans constitute an educational benefit loan made, insured or guaranteed by a governmental unit, or made under any program funded in whole or in part by a governmental unit or nonprofit institution, within the meaning of 11 U.
He then continued his schooling for Health Care Administration seeking an associates degree — AS from said college. The education expense of pursuing said second degree was funded, in part, by the above-education loans. Subsequent to receiving the loans mentioned above, the Plaintiff suffered an onset of Chiari-Arnold Malformation, also known as Chiari I Malformation and, despite two surgeries, is still disabled and cannot find work.
Such Social Security Disability benefits constitute his sole source of income. The above-described medical conditions became fully disabling after graduating from Brown Mackie College first degree and while attending said college in pursuit of his second degree. The worsening medical condition led Plaintiff to undergo his first brain surgery, at which point he decided to discontinue any further education because of his disability.
Plaintiff has sought to reduce his expenditures, and has sought and obtained the assistance of relatives. He resides with his grandmother. His grandmother has supplied him with a subcompact motor vehicle to drive. His grandmother continues to support him for all needs not covered by his Social Security Disability payments. Because the medical conditions which have caused the disability are permanent, circumstances exist indicating that his state of affairs is likely to persist for a significant portion of the repayment period of the educational loans in question.
The Defendants in this case have chosen to capitalize accruing interest, i. As a result, the principal amounts owed under each loan have increased and will continue to increase. Plaintiff has no residual capacity to engage in compensated labor, and must rely on Social Security Disability payments as his sole source of support.
To except the education loan debts described in this Complaint from discharge would impose an undue hardship on the Debtor. Pursuant to 11 U. Section a 8 , an educational loan made, insured, or guaranteed by a governmental unit, or made under any program funded in whole or in part by a governmental unit or nonprofit institution is nondischargeable, unless the debtor is able to show that the payment of the loan would cause an undue hardship.
Specifically, the Plaintiff a cannot maintain, based on current income and expenses, a minimal standard of living for herself and her dependents if forced to repay the loans; 2 that additional circumstances exist indicating that this state of affairs will likely to persist for a significant portion of the repayment period of the student loans; and 3 that the Plaintiff has made good faith efforts to attempt to repay the loans.
Furthermore, most of the student loans held by Sallie Mae are private loans, and as to such loans, the Bruner test does not apply, and further, Plaintiff need not show undue hardship to obtain discharge of these private loans, if such loans are not qualified.
Debtor cannot maintain, based upon his current income and expenses, a minimal standard of living for himself and his dependents if forced to repay the Student Loans. Debtor is permanently disabled and his lack of income or resources with which to pay the Student Loans is likely to persist for a significant portion of the repayment period of the Student Loans so any payments could only be made at great hardship to Debtor and his dependants.
Federal Loan Servicing c. Uni ted Student Aid Funds, Inc. In Spring Debtor submitted an application for a disability discharge to each of the then holderso f the Federally Guaranteed Student Loans. Debtor has not received a discharge letter from Education despite numerous phone calls to Nelnet which gave assurances that such a letter was soon forthcoming and Debtor is unable to access his Nelnet account online to see the status of any letter despite numerous phone calls to Nelnet technical help line to solve the problem of lack of access.
Despite repeated efforts and making offers that would have put Debtor in a very difficult financial situation, Debtor was unable to get Sallie Mae to agree to a settlement or payment plan with respect to the Sallie Mae Private Loans. Debtor is 56 years old and has spent most of his professional life as a transactional attorney, which allowed him to limit his physical activity and avoid pain.
Debtor had lower back surgery in which reduced the pain for several years but the problems returned and became worse by Debtor retired from fulltime law practice in June and earned a modest amount of income on a part time basis from advising businesses on how to finance their activities, advising sellers of real estate how to find like kind exchange properties and from a limited amount of transactional legal work.
Debtor was advised by the Mayo Clinic that his spine had not formed properly and that without a series of complicated and risky surgeries he would remain in pain and would lose use of his legs and arms and would become incontinent.
When Debtor awoke from the December 30, surgery, he was unable to move either arm and he had little strength or balance in his legs. Debtor had been advised that such deficiencies were a known risk of this particular surgery but had elected to have the surgery and take the risk.
Debtor had a second cervical surgery five days later January 4, to adjust some aspects of the first surgery. Since the Disabling Event, Debtor has spent most of each day doing physical therapy, exercising, walking and resting to encourage the disturbed nerves to recover. Debtor is only able to walk short distances without a cane and has limited strength and endurance in his legs.
In December, , Debtor was examined at the Mayo Clinic and advised that he is unlikely to see much additional improvement in his condition but that he should continue with the prescribed therapy, exercise, walking and rest in order to obtain as much improvement as possible. In the next few years Debtor will need an additional surgery on his middle back to complete the restructuring of his spine. In addition to his spinal problems, Debtor was born with a bi-cuspid aortic valve which has lead to significant inefficiencies in blood circulation and the development of an aneurysm in his aortic artery.
To correct his heart condition, Debtor has been advised by the Mayo Clinic that he will require open-heart surgery in the next years. As a consequence of his arm and leg deficiencies, his near constant back pain and his heart condition, Debtor is rarely able to spend more than a few hours in any given day attending to business affairs and what time he does spend is broken up with frequent rest periods. Since the Disabling Event, Debtor has tried to work within the limits of his health constraints and come up with some way to earn money in a regular and reasonably predictable manner but has been unsuccessful, earning a very limited amount from just one isolated project.
Debtor has not had any health insurance since December, , but will qualify for medicare in June, Sallie Mae, Account no. This account was opened in Debtor Henry Velez believes this debt is for student loans obtained by his granddaughter. However, the debtor disputes this debt as he did not sign the promissory note nor any documents related to the student loan.
Debtors are not the student loan recipient. Sallie Mae Account no. Debtors believe this debt is for student loans obtained by their granddaughter. However, the debtors dispute this debt as they did not sign the promissory note nor any documents related to the student loan. USA Funds, Account no. Debtors believe this debt is for student loans obtained by their son.
These loans were incurred to pay expenses for persons other than the Debtors. The Debtors did not receive the benefit of these student loans. The Debtors are alleged to be solely co-signers on these debts. The Debtors are not the Student Loan recipients. These Student Loan debts are not qualified educational loans under IRS Code d 1 because the debt expenses were not incurred by the Debtors. Velez, the only breadwinner, is retired and receives limited income.
The debtors cannot maintain, based on their current income and expenses, a minimal standard of living for Debtors, nor their dependents, if forced to repay the loan. Although Debtors do not believe they are liable for these debts, Debtors have made a good faith effort to make payments on the loans because the recipients of the loans are their son and granddaughter.
Does one need to be attorney — I thought this is public info.. Any helpful links or suggestions would be appreciated. All these stories, not surprising, but still depressing to read through—that some people could do everything right and then because of a tragic medical condition brought down to public help and bankruptcy.
Hopefully the bankruptcy helped alleviate many of their burdens. I know not everyone is religious, but God bless. Michael and Susan Dell Foundation P. Box Austin, TX Applicants must be one of the following: Students must be U. Applicants must complete online application including essay portions. Applicants must be a high school freshman, sophomore, junior or senior or a current or entering college or graduate school student of any level.
Home schooled students are also eligible. There is no age limit. Students must also be a U. Applicants must be high school seniors or current college students and submit an essay on the provided topic related to computers.
Essays are judged on academic merit 50 percent and originality and creativity 50 percent. Photos are not required but recommended. No application is required. Applicants should send their contact information and essays to information directron. Applicants must be legal residents of the United States, currently enrolled in a two or four-year college or university and be high school graduates.
Applicants must write a haiku poem on "what the word 'metamorphosis' means to you". Students must submit a photo based on the theme given. Applicants must be high school seniors and U. Students must have a grade point average of 2. Applicants must provide completed application and essay. Applicants must be high school students in grades Applicants may work individually or as a team of up to four members to create a children's book that discusses the topics of tolerance and diversity.
Entries must be submitted by email or regular mail and must include a cover letter with name and contact information of author s , name of school and teacher and a brief biographical note. Students should be pursuing a degree in public health, communications, social work, education, liberal arts or related field and have a minimum GPA of 2.
Applicants must provide proof of community service activities such as but not limited to activism, outreach or peer counseling in tobacco prevention or control. Financial need is considered. Selection is based on academic accomplishments as well as involvement in school and community activities and an essay.
Applicants must be at least 25 years of age and may have taken a break in their educations to seek employment, care for their children or because of financial burden.
Students must have confirmation of acceptance to college or university for pursuit of Bachelor's Degree and must demonstrate mastery of written communication skills. Applicants must be full-time college students at the sophomore level or higher, including graduate students, at an accredited school. They must have a GPA of at least 3. The application deadline is April 15 for undergraduates and August 15 for graduates.
Applicants must be a U. Students must also be enrolled in or accepted to a college, university or trade school as an undergraduate or graduate level student within the U. The contest is held twice a year.
Children of victims must enroll in a postsecondary program by age 24 and must continue studies uninterrupted after their 24th birthday to continue to receive assistance. Financial need is required. An application form, copy of most recent tax return, transcript and copy of school billing statement are required. Applicants must be members of the MyFamilyTravels. They must be in grades 8 through 12 and must be attending a U. They must submit an essay about a significant travel experience that occurred within the past three years and that happened when the applicant was between the ages of 12 and Selection is based on originality, quality of storytelling and grammar.
An essay submission form and essay are required. Applicants must be a Canadian or American citizen or hold a valid student visa. Students must be currently enrolled in a Canadian or American university and must have a cumulative GPA of 3.
Applicants must submit a to 1,word essay about a travel-related experience or topic. Applicants must be United States citizens 13 years of age or older who are currently enrolled as undergraduate college students.
Selection is based upon the overall strength of the essay and application. Applicants must be in grades Students will work in teams of two to four and choose a work of literature that emphasizes the struggles and achievements of a person seeking to become an entrepreneur.
The book will then be compared to real-life entrepreneurs. This scholarship helps success-driven students. Entry form and original piece of artwork.
Applications must be submitted online. An entry form and original piece of artwork are required. They must create a second public service announcement while enrolled answering the question, "What does freedom of speech mean to me? Selection is based upon quality of submission. Applicants must be high school seniors, undergraduate students or graduate students who are enrolled at or planning to enroll at an accredited U.
They must have a GPA of 2. They must submit an essay discussing how the book "From Failure to Promise: An Uncommon Path to Professoriate" has impacted their pursuit of success. Selection is based on essay originality, presentation and quality of research.
An application form, transcript and essay are required. From Failure to Promise S. Applicants must be graduating college seniors, graduate students, young professionals and artists.
Funds are generally used to support students in university teaching, advanced research, graduate study or teaching in elementary and secondary schools. Applicants must be citizens of the U. Students will need to submit a word bio explaining declared major, future plans and why this scholarship interests you. Applicants will also need to submit a to word essay on improving the lives of seniors in assisted living facilities.
Applications consist of the biographical essay, the essay and a scholarship award agreement, which can be found on the website. All materials must be emailed. Applicants must be high school seniors and pursue a bachelor's degree at an accredited U. Students must demonstrate strong academic performance 3.
Funds may be used for student tuition and room and board. The competition will close earlier than the deadline once 25, applications are received.
Applicants must be in grades 1 through 12 and submit an original artwork depicting any North American game bird or animal that may be legally hunted or trapped. NRA membership is not required. Art is divided into categories based on grade level and is judged on effort, creativity, anatomical accuracy and composition. Application information is available online. A statement of authenticity signed by a parent, guardian or teacher must be submitted along with the artwork. Applicants must be attending any college or university worldwide.
Selection is based on the word essay. Student's school must post information about the scholarship on the public website in order for the student to be eligible to apply. This scholarship helps students reflect on their place in the world through writing and then have a chance to experience it first-hand.
The award is a paid educational trip to Europe. Applicants must be current college or graduate students who have been accepted into a study abroad program for the coming academic year. Selection is based on application creativity and display of analytical thinking. Applicants must be accepted into a volunteer abroad program. Students must be full-time enrolled college students or alumni. If an alumni receives the award, the funds will be given to the college. Applicants will need to complete a survey and submit a word essay on one of the topics found within the survey.
Applicants must have a GPA of 2. Students must complete the online application and essay on the topic of federal income tax code. Applicants must attend an accredited American college, university or trade school. An essay of words on the entrepreneurial-related topic provided is required.
Applicants must be graduating high school seniors accepted into a college or university or current college or university students. Students must complete essay with application. Applicants must be enrolled in an accredited institution if higher learning and must be years of age. Awards are given twice a year. Applications are submitted via e-mail.
An application form, essay and proof of enrollment are required. Applicants must be a high school senior, undergraduate or graduate student in Canada, the U. Applicants must write a to word blog on a wedding topic. This scholarship helps students who are committed to pursuing a bachelor's degree and have demonstrated integrity, financial need, academic achievement and community involvement.
Horatio Alger Association Attn.: Applicants must be graduate students who are in any field and at any stage before completion of the Ph.
The fellowships can be used for study in the U. Applicants must also be enrolled as full-time students at an accredited degree-granting institution. Students must be alumni of IHS programs and events. Applicants must be entering their final year of college or university with a grade point average of 3. Students must provide completed application, essay and three recommendations. Applicants should include all related hydraulics work history and experience. Special consideration given to women and U.
Applicants must be current high school seniors or enrolled or accepted as full-time students in an accredited technical school, community college, trade school, four-year accredited college or university or an apprentice program. An essay of to 1, words on the topic provided is required. Philadelphia Street Ontario, CA Applicants must be graduating seniors or current college students who will be enrolled in a college or university in the following semester.
Students must demonstrate dedication to impacting their community. Applicants must complete an essay. Applicants must be graduating seniors in high school or currently enrolled in a college or university.
Students must be fluent in English. Applicants must register for an account on Everipedia and create a page dedicated to a female journalist. Applicants must plan to graduate from a U. Applicants must also demonstrate significant unmet financial need. However, the majority of recipients will be eligible to receive a Pell grant. Applicants must be currently enrolled as a full-time student in an undergraduate, graduate or law school program at an accredited college or university.
Students must have a minimum grade point average of 2. Applicants must submit essay along with transcripts. JacksonWhite Attorneys at Law 40 N. Center Street Mesa, AZ Applicants must be undergraduate students entering their senior year or Ph. Applicants may not be post-doctoral students. Special consideration is given to doctoral students in the humanities.
The award is open to international students living in the U. Box San Dimas, CA Students must be graduating high school seniors accepted to an institution of higher learning or current students at an accredited U. Applicants must submit essay. Strong preference is given to students with financial need, and preference is given to applicants studying in a non-English speaking country and to applicants who are majoring in engineering, math or science.
An application form, an acceptance letter to a study abroad program, a financial needs verification form and an essay are required. Applicants must be a high school or college student within the U.
Students must be a citizen of, permanent resident of or hold a valid student visa in the U. Applicants will have designed and innovative project that makes the difference in the lives of others.
The project can include a website, series of blogs, an app, fundraising event, etc. An essay describing the goal of the project and providing supporting documentation is required. Students must complete application and submit a PSA video. Law Office of Matthew L. Applicant must be a U. A short second video response to the prompt found on the application is required.
Applications are not judged on the quality of the video but on the actual response to the prompt. Applications are available online and must include a short video response, transcript, proof of citizenship, documentation of college acceptance and the name and address of the college that the student will attend. Applicants must submit either a word essay or a three-minute video describing the impact of losing a parent at a young age.
The grand prize winner of the video contest is selected by an online public vote. Applicants must be between the ages of 16 and 24 and be U. Students will need to submit a short film of 2 minutes or less that shows or explains their life's passion. The film can be a short film, animation or simple personal testimonial. Selection is based on the ideas represented and not the expertise in creating a film.
Applicants must write an attention grabbing cover letter for their dream job at their dream company. Students must be currently enrolled full-time college or university students or scheduled to be enrolled full-time in a college or university for the semester they would receive the scholarship. Applicants must be at least 18 years of age and should be legal residents of the United States. Applicants must be a high school student graduating this calendar year who has been accepted into a college or university in the United States or be a currently enrolled college student, not having reached their senior year.
Students must submit essay along with application. Applicants do not need to be Hispanic or Latino to apply. Applicants must have applied to or be enrolled in a college, university or graduate school and be U. Students must also have a minimum 3. Eligible candidates cannot be related to scholarship committee members, the Council President or contributors to the Council funds. Applicants must be graduating seniors enrolling in an accredited U. Students must have a minimum grade point average of 3.
Applicants must write an essay and provide transcripts and proof of enrollment. Applicants must be nominated by a recognized leader in their communities or professional fields. They must be between 28 and 40 years of age and demonstrate achievement within their profession, civic involvement and leadership. They must be U. European applicants will visit the United States for their fellowship opportunities.
Candidates should have little or no previous experience traveling through Europe. Fellows visit five or six cities and meet with policy makers, business professionals and other community leaders. Students may apply in one of eight regions in the U. Winners are selected based on quality of writing, number of blog views and number of retweets with a blog link.
Special consideration is given to applicants majoring in English. Applicants must be graduating high school seniors. Those who have earned college credits may apply as long as they have not yet graduated high school. Applicants may not be children of Mediacom employees and must live in areas serviced by Mediacom.
An application form, essay, transcript and two reference forms are required. Applicants do not need to be members of Mensa but must be residents of a participating American Mensa Local Group's area. They must be enrolled in a degree program at an accredited U.
They must write an essay explaining career, academic or vocational goals. Applications are available online in September. Please do NOT write to the organization to request an application. An application form and essay are required. Applicants must be at least 16 years old and currently attend an accredited high school or college. Students must also be high school seniors or college undergraduate students with a minimum GPA of 3. An essay on the provided topic is required.
Applicants must have demonstrated academic excellence in the face of economic obstacles. Students of all races and ethnicities are encouraged to apply.
Many past award recipients have been among the first generation in their families to attend college. Applications are available on the QuestBridge website in August of each year. Applicants must be enrolled full-time in high school, progressing normally toward completion and planning to enter college no later than the fall following completion of high school, be U.
Participation in the program is based on performance on the exam. Applicants must be high school students under the age of 20 who are U. Students first give an oration within their state and winners compete at the national level. The oration must be related to the Constitution of the United States focusing on the duties and obligations citizens have to the government. It must be in English and be between eight and ten minutes. There is also an assigned topic which is posted on the website, and it should be between three and five minutes.
Applications are available from your local American Legion post or state headquarters. Deadlines for local competitions are set by the local Posts. Americanism and Children and Youth Division P. Box Indianapolis, IN Students must be graduating high school seniors enrolling in an accredited college or university or current undergraduate college or university students.