Solving Your Student Loan Problems

People should not need a Student Loan Lawyer.

But many do.

STUDENT LOANS ARE TOO COMPLICATED.

Most people do not understand their student loan situation, let alone the solutions.

Often people cannot correctly describe to me whether they have federal or private or both loan types. And they are confused as to whether they are dealing with the Department of Education, a Servicer or a Collector or a Collection law firm or why they get contacted by different companies about their loans.

You may feel overwhelmed, frustrated and helpless about your student loans. You may want someone to make sense of your loans and your options. Sometimes there are limited solutions, but usually I can do a great deal to help a client. The first challenge is to gather the information I need to fully explain your student loans and student loan solutions to you. Then YOU pick a plan of action. Sometimes student loans solutions may include filing a bankruptcy, but usually that is not necessary.

However, I also do chapter 7 & chapter 13 BANKRUPTCIES for individuals, couples, and small business people with and without student loans. I do file bankruptcy adversaries to discharge student loans in the rare cases where a client meets the criteria. I have helped hundreds of people get a fresh financial start.

Federal Student Loan Services

I help people solve problems with any of the over 20 types of federal student loans ever offered, especially DIRECT, FFEL(Federal Family Education Loan) [whether owned by the Department of Education or not] or PERKINS loans. Whether you need to pick the best repayment plan, get out of default, stop a wage garnishment or tax offset, make sure you get forgiveness being offered, understand why your balance has ballooned, or something else, I have the experience to educate you on your options and find the best solution for your situation.

Some clients have emergencies while others just want to better understand how to manage their loans. We are seeing significant student loan changes under the Biden administration. I can help you figure out what the changes mean for you and how to identify and pick the best options. I can help you with a current problem or help you be ready to take advantage of any new options in 2022-23. I will help you when you need help but also tell you about free federal student loan tools.

See all Federal loan services »

 Private Student Loan Services

Private student loans come with their own set of issues from unreasonable payment plans to litigation to co-signer blues. I can educate you on your options, defend you if you are about to be or are being sued, and can help explain your options if you have co-signer problems or are a co-signer with problems.

Very often people lose track of their private student loans until they are overwhelmed with collection activity or are served with a lawsuit. And OLD private student loans show up long after people think they are no longer collectible. Sometimes borrowers face judgments without even knowing they were sued! While private student loans often have fewer solutions than federal student loans, I can assist with finding the the best available option to whichever private student loan problems you face.

See all Private student loan services »

Mixed Federal & Private Student Loan Services

Many people have a mixture of federal and private student loans. but often people do not know that or cannot tell me much about their loans. So often my first job is t0 research what loans people have and educate them about their loans. The problems, options and solutions are very different between federal and private student loans. Part of the problem is that some companies like Navient both own and service private loans and service some federal loans.

I tell people how to access and use tools like the federal database on studentaid.gov showing all their federal loans and grants; I look at credit reports to sort out what loans they have and what they can do with them. The problems and solutions vary by loan type. So I explain a person’s loans, and help them solve problems and develop a plan to manage their loans. Usually if there are two types of loans, the task is to set up a dual track of actions to solve the issues - one track to manage your federal loans and one track to manage your private loans.

See Mixed Federal and Private Loan Services >>

Chapter 7 & 13 Bankruptcy

Bankruptcy Adversaries

Since 2005, I have filed chapter 7 or chapter 13 bankruptcy for over a thousand people in Colorado. But bankruptcy is not always the solution to a student loan problem. If you are facing financial difficulties with or without student loans, please contact me to see if a chapter 7 or chapter 13 will help you. Most clients find bankruptcy can solve many financial issues. I often hear people say they wish the had considered it earlier.

But be assured that in the rare case where a bankruptcy adversary to discharge your student loans might help YOU, I have the experience to help. I have done more bankruptcy adversaries for debtors than almost anyone in Colorado so I know which types of cases will succeed.

See information about filing bankruptcy »

My Practice

In 2006, I started focusing on student loan cases. I met a single mother with a severely disabled child and $250,000 in mixed student loan debt she could not keep up with. She had already filed bankruptcy so we filed a bankruptcy adversary to get her federal student loans discharged. Since 1998, the Bankruptcy Court in Colorado has only granted or approved settlements resulting in about 30 student loan discharges. Despite opposition from the US. Department of Education and Sallie Mae, I won a full discharge for my client. By my winning this case at trial, other lawyers started referring student loan cases to me. Since then I have helped thousands of people with student loan cases of every type possible.