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Student Loan Relief

waiting to graduate

You may have just graduated. You may have been out of school for some time.

If you are struggling to make your student loan payments or wondering how you will when your automatic deferment runs out, we can help.


Student loans are not discharged in Bankruptcy unless you can meet a very difficult standard.

There are non-bankruptcy solutions to dealing with your student loans.

The type of student loan you have can be confusing.  The first thing to know is loans are referred to as Federal or Private loans.  Included in the “Private Student Loan” are both State Loans and Private Student Loans.

If you are a paying your student loans, behind on your student loans, in default on your student loans or still in a deferment or forbearance on your student loans there are options you should consider.  Your options will depend on the type of loan, your profession and your employer.

To get a complete list of your Federal Student loans login to the FederalStudentAid website. Once you have logged in you will need to download the summary of your loans and the details of each individual loan. 

If you have a loan that is not listed, then it could be a State Loan, or Non-State Private loan. Another possibility is that you have a spousal consolidation loan.  At one time the Department of Education allowed married couples to consolidate their student loans.

Here are instructions and an example of what the summary page and an individual loan pages look like. Instructions and Examples.

If your wages are being garnished for a student loan, if you are facing a garnishment, social security offset or tax refund offset contact us for a Student Loan Analysis. The cost of a Student Loan Analysis is $150 for a 30 minutes.  After we analyze your loans, you will be able to choose the best way to handle your student loans.

Contact my office to schedule a Student Loan Analysis.

Call to schedule a Student Loan Analysis!