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 legal rights regarding their financial aid and student loan options so they can make smart choices about paying for school – without the pressure and bias of a student loan lender or college representative.
After Graduation
Student Loan Rights and Legal Options
Managing your student loans and understanding your repayment options can be confusing and overwhelming, especially when you’re getting unclear or conflicting information from your loan servicer. I can help.
Based on your unique goals and circumstances, I can analyze the available programs for you, and design a comprehensive action plan. I can also help you complete program applications, submit required paperwork, answer legal questions, and troubleshoot bureaucratic problems related to student loan servicing.
Dispute Assistance
If your loan holder or servicer made a mistake, I may be able to help get you a resolution. Depending on your circumstances, I can help you draft and file formal disputes with the relevant authorities, and represent you in communications and negotiations to get you the outcome you’re looking for.
When Things Go Wrong
Delinquency Management
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. I can also 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 the specifics of your situation, I can work out solutions to stop a wage garnishment or tax refund intercept, or help get you out of default through statutory programs. If you are being sued by your student loan lender, I can defend you in court. I can be your guide, your counsel, and your advocate.
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 and get some legal advice. Whatever your situation is, just send me an email or give me a call, and we’ll figure out if I can help.