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Messages - KYLADY723

1
I have been out of school since 2006. I was in default, then consolidated in 2009. In default again in 2010.  :-[  My wages were garnished from 2010 - 2017. I went through the loan rehabilitation program in 2017, came out of default and began making payments. 

At the time I consolidated in 2017, I guess I was just overwhelmed by the amount of debt, the default and wage garnishment that I was just grateful to be out of default and able to repair my credit. I never really looked that closely at the details of all of my loans and disbursements.

I am now trying to apply for the PSLF program. While gathering my information, I began looking at all of the loans (pre-consolidation) that were disbursed while I was at school. They do not add up to the total principal I consolidated. Also, the total that is shown that I borrowed is $65,765 in unsubsidized loans and $28,485 in subsidized loans.  The maximum amount allowed to borrow for undergraduate degrees is $57,000. How was I  approved to borrow almost $93,000?  Nothing is adding up. As embarrassed as I am to admit (13 years after signing off on a loan consolidation) I think there was an mistake made somewhere. Is it even possible for someone to borrow that much for an undergraduate degree?