Can your husband be responsibal for your dept?

If you have a defaulted Student Loan and file joint taxes with your spouse and the Taxes are on a offset list because of a defaulted Student Loan, the government will take the tax return from both of you. Here is the catch to this, to get some of the tax money back you can file for an injured spouse and receive some of the money back or to avoid this all together you can simply take your defaulted student loan out of default with an Income Contigent Consolidation offered by Direct Loans, what this allows you to do is get your Defaulted Student Loan out of Default in as little as 45 to 60 days and the payment is based on your income, they keep in consideration your expenses such as housing, utilities, food and child care expenses, how many children you have and base your payment on whats left over it figures to be about 4 to 5%. By doing this it will allow for all your rights and entitlements to be reinstated as far as forebearences, deferrments and financial aid if you want to go back to school. This shows on your credit report as a paid off loan and is replaced with an open account that is receiving payments. I was a collector for many years for The California Student Aid Commision as well as Higher Education lenders, I have taken my knowledge and expertise and implemented in my Comapny Circle City Credit Advocates based out of Indianapolis, IN. By taking your Student Loan out of default, not only are you avoiding tax offsets and possible Federal Wage garnishment but you are saving a ton of money on Interest, Collection Cost and penalties alone. There is other programs that are offered as well like The Federal Loan Rehabilitaion Program which is a nine month program but until you complete that program you are still elgible to have Tax Offsets. A Defaulted Student Loan acumilates interest at 12 to 14%. A Income Contigent Consolidation even you have an inability to pay at the current time only has an interest rate of 5%. I hope this satisfied your question. If you are in need of assistance you can visit http://CircleCityCredit.com or simply call 317-574-0567. Dan Smith