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STUDENT LOAN MODIFICATIONS

STUDENT LOAN DEBT HAS BECOME A SERIOUS ISSUE FOR MILLIONS OF AMERICANS. IF YOUR DEBT SITUATION HAS REACHED A CRITICAL LEVEL YOU MAY WANT TO CONSIDER SEEKING A STUDENT LOAN LAWYER.

What is a student loan lawyer?

A student loan lawyer is an attorney with advanced knowledge of student loan law, which includes the law for federal student loans, private student loans, and, occasionally, bankruptcy.

They are uniquely situated to give legal advice on complex student loan problems. They understand how the student loan process works, what rights borrowers have and can provide sound legal options to move forward.

What is the difference between student loan lawyers and student loan debt relief agencies

Many companies out there claim that they can help you with your student loans. In return for a fee, they promise to consolidate your loans or reduce your payments.

These student loan debt relief companies are often expensive. Many of the services they offer — such as reducing your monthly payment by signing up for an income-driven repayment plan — are things you can do for yourself for free.

Student loan lawyers are quite different from student loan debt relief agencies. While student loan attorneys will charge you a fee for their service, they provide essential assistance rather than doing what you could easily do yourself.

How can a student loan lawyer help you?

Our student loan lawyers can analyze your loans and provide you with the knowledge and tools to understand and take control of your student loan debt. We can even help you recertify your loans on an annual basis and make sure you are in the correct forgiveness program. In addition, our lawyers can:

  • Stop collection activity: federal law allows the federal government to send wage garnishment orders and take your tax refund and Social Security Benefits without a court order. The COVID-19/Coronavirus forbearance has temporarily suspended collection activities through September 2021.
  • Ensure the eligibility for loan forgiveness programs: thousands of public service workers (teachers, corrections officers, etc.) were denied student loan forgiveness because they didn’t meet the technical criteria of the Public Service Loan Forgiveness Program (PSLF). A student loan lawyer can review your loans and develop a strategy to maximize your eligibility for loan forgiveness.
  • Lower monthly payments: forbearance and deferment are temporary. At some point, they’ll end and you’ll need help getting an affordable repayment plan.

Why retain a student loan lawyer?

Your loan servicer works for the United States Department of Education.  They do NOT work for you. Their sole job is to collect the money that is owed on the student loans.

Many consumers incorrectly believe putting your student loans into deferment or forbearance is a good idea however that is really one of the worst things you can do if you owe student loan debt. The interest will keep accruing on these loans and you will just be getting deeper into debt.

While filing bankruptcy will delay the collection of the student loan debt it will still not stop the interest from accruing.

There are many great income-based repayment plans coupled with the loan forgiveness available for many consumers. Depending upon the size of your family, your adjusted gross income, and the amount and type of your student loan debt, your payment could be zero dollars per month!

How can you afford a student loan lawyer?

Our firm provides financing options on our attorney fees for services that work with most any budget.

Most times, a lawyer is cheaper than the alternative, such as a wage garnishment.  In the long run, using an attorney is cheaper that the consolidation companies while offering more secure and far better options.

In the end it is key to do a cost-benefit analysis: How much are you paying in fees, interest and other costs in your current situation? What will you pay for a student loan lawyer who can help you get out of that situation?

Take Control Of Your Student Loan Debt

Schedule a Free Consultation with an Expert Georgia Student Loan Attorney

Schedule a FREE Student Loan Consultation

Our firm offers video consultation from the convenience of your home or in-person appointments in one of our 10 office locations.

We invite you to contact us either online or by phone at 404-919-7296 to schedule a free confidential consultation to review your personal financial situation and what options we can provide to protect you from creditors. For additional information about bankruptcy please also check out our YouTube Channel which has up to date vlogs on issues related to personal bankruptcy.

© 2020 Saedi Law Group LLC. All Rights Reserved. LEGAL DISCLAIMER: We are a debt relief agency. We help people obtain relief from their creditors by filing for bankruptcy. Nothing posted on this website shall constitute legal advice. If you need legal advice please contact our office to schedule an appointment. No attorney client relationship exists until we have a written contract.