Guarantor 6-Month Rule: Section 17 Notice Explained
By Hamid Ali, Founder of DebtShift · Updated October 16, 2026 · United Kingdom Your daughter left that student house eighteen months ago, someone else took her room, and now a letter is chasing you for rent. Short answer: The 6-month rule is real, but it is narrower than the internet makes it sound. Section […]
Student Loan Delinquency and Renting: What Landlords See
By Hamid Ali, Founder of DebtShift · Updated October 16, 2026 · United States Your income covers the rent, your bank balance is fine, and the line on your credit report that makes the property manager pause is a student loan. Related: student loan debt in the US. Short answer: Late student loans are showing […]
Guarantor Liability If the Tenant Dies (UK, 2026)
By Hamid Ali, Founder of DebtShift · Updated October 16, 2026 · United Kingdom You signed as guarantor for your child’s student house, and no one told you what happens to that signature if the tenant dies. Short answer: For guarantor agreements signed on or after 1 May 2026, a guarantor is not responsible for […]
Is Old Graduate Overdraft Debt Statute Barred? (UK)
By Hamid Ali, Founder of DebtShift · Updated October 16, 2026 · United Kingdom A letter turns up about an overdraft you stopped using years ago, and the balance is bigger than you remember. Before you reply to it, read this, because a careless reply can undo years of time passing. Short answer: In England […]
Can Your Student Loan Be Included in a DRO or IVA?
By Hamid Ali, Founder of DebtShift · Updated October 16, 2026 · United Kingdom Your student loan is the biggest number on the page, and every debt-relief guide you read seems to skip it. Short answer: No. A student loan cannot be written off through a DRO, an IVA or bankruptcy, according to GOV.UK, Shelter […]
Student Debt Guide: Loans, Budgeting and Credit
By Hamid Ali, Founder of DebtShift · Updated October 16, 2026 · United Kingdom and United States Student finance explains the loan in detail and says almost nothing about everything the loan does not pay for. Questions people ask Is this guide for the UK or the US? Both, in separate sections. The UK section […]
Student Loan Repayment Options US: IBR, RAP and PSLF (2026)
By Hamid Ali, Founder of DebtShift · Updated October 14, 2026 · United States A letter from your loan servicer says your repayment plan is over and you have 90 days to choose a new one. Short answer: If you were on SAVE, it ended after a court ruling on March 10, 2026, and you […]
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