Born in Houston, TX, James joined the United States Army in 1996 as a Calvary Scout. Later James went on to earn a Bachelor of arts and Science Degree from the University of Louisville in 2003. Currently, James is married with four children and employed in software sales. Tough economic times have made it hard to sell anything right now, and James is finding it almost impossible to pay his student loans. Worse still, James is unable to save for his own children’s future education. With your help, James can avoid going into default on his educational debt, while still accumulating interest, and even save up so that his children can have a future as well.