I help student loan borrowers at all stages of the borrowing and repayment process. Whether you’re a student, parent, or cosigner, and whether you’re currently in repayment or running into trouble, I can help.
Before You Go (or Send Your Kids) to School
Be smart about how you finance your education. I help students and families understand their financial aid options and make smart choices about paying for school – without the pressure and bias of a student loan lender or financial aid officer.
Student Loan Management
Managing your student loans and understanding your repayment options can be confusing and overwhelming. I can help.
Based on your unique goals and circumstances, I find the best programs available to you and design a comprehensive student loan management plan. I can also help you complete program applications, submit required paperwork, and troubleshoot bureaucratic problems related to student loan servicing, which are unfortunately common.
We’ll review your income and spending. Then we’ll optimize your finances and budget around your student loans so you can live the life you want to live, even with your student debt.
When Things Go Wrong
Handling your student loan debt is scary if you’ve fallen behind on payments. The ominous phone calls and letters from lenders certainly don’t help. I’ll evaluate your legal options for getting back on track, and together we can work on a game plan. I can also help you complete forms and applications for programs that are designed for borrowers in distress, and directly represent you in communications with your loan holders. Loan servicers often provide incomplete or inaccurate information about your legal rights; I will make sure you get accurate, up-to-date information and advise you on the best course of action.
Default Resolution and Lawsuit Defense
If you’ve defaulted on your student loans, you know how terrifying it can be. Debt collection agencies are not exactly known for being pleasant.
With my help, we can figure out your legal options. I can directly represent you in communications with debt collection agencies so that you no longer have to deal with them, and I can protect you from harassing, abusive, and unfair conduct. Depending on your goals and circumstances, I can work out solutions to stop a wage garnishment or tax refund intercept, or negotiate a default resolution plan. If you are being sued by your student loan lender, I can defend you in court. No matter what the issue, I can be your guide, counsel, and advocate during the entire process.
Other Student Loan Issues
Not every borrower’s situation fits neatly into one of the above categories. Perhaps you have a dispute with your loan servicer about a misapplied payment, or you were denied access to an income-driven repayment program. You could be a parent or a cosigner, and you’re unsure of your rights and options. Maybe one of your loan holders is reporting inaccurate information about your student loan to credit bureaus, or you just want to sit down and talk about your unique student loan situation with an expert. Whatever your situation is, just send me an email or give me a call, and we’ll figure out if I can help.