Any chance of moving to another district or state or maybe a private school? There are teacher shortages in many areas of the country. Special Ed teachers are needed just about everywhere. I’m sorry your first year of teaching was so horrific. What did you do before you decided to go into education and why did you decide to go into special education?

If you were able to go back into teaching, special education is a critical shortage area and as a special ed teacher you should be able to get loan forgiveness for at least a part of your loan–as long as you are teaching.

Other than that, you will pay it off month by month beginning 6 months after you graduate. Your lender will work with you if you have difficulty making the payments. You will also be able to deduct the interest on the loans from your federal income taxes. Check with your tax advisor for full details.

Good luck. The situation is not as grim as it looks right now. Take it a day at a time and consider all your options carefully. I went back to school to get my credentials in my 40s and I am still paying off my loans.

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The federal government offers a loan forgiveness program for teachers that teach in a designated Title I school district. Fo to http://studentaid.ed.gov/PORTALSWebApp/students/english/teachercancel.jsp?tab=repaying for information.

Any option of moving to a different city or state? Sometimes not an option based on family circumstances, but special education teachers are in high demand across the country.

Your next job interview negotiate them paying the loan off for you. In other words ask them to pay it off over a five year or some concievable time frame for the amount of money you owe. Even going so far as to comitting to signing a contract to work there three or four years after it is paid off. As a SpEd teacher you will soon see you are in demand. And your bargaining power is strong enough. Good luck with it…

Los Angeles here. You got into a sucky situation. Is there a possibility you could get hired at a different school, where the principal isn’t such a git?

…and yes, sorry, all LAUSD schools are overcrowded.

Private school, community college, another school system may be alternatives. Maybe even becoming a educational advocate- or consultant – your experience with the ineffective aide could count toward being really good at that job.

I have heard that people with education degrees can get their loans forgiven or deferred if they teach under special circumstances, eg; in appalachia or in low income schools. I know it may suck in some places but if you won’t have to worry about your loans anymore, you might want to look into doing that.

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convert to a conventional loan to pay the student loan and file bankruptcy

Never mind…you already ruled out my option!