Services We Offer

Free evaluation

• A comprehensive evaluation of your status including advice and recommendations of the best remedies for you.

Skilled document preparation

• Included in your evaluation is a flat fee for us to prepare all of the documents needed to implement your plan.

Private ZOOM conferences

• A personal half hour conference is available for clients who need more personal service for $150.00. Send us an email and we will schedule a conference with a skilled attorney.

Payment Plans

• Direct Loan Alternative
• Extended Repayment
• Graduated Repayment
• Income Driven Repayment Options
• REPAYE – Revised pay as you earn
• PAYE – Pay as you earn
• IBR – Income based repayment
• ICR – Income Contingent repayment
• IDR – Income driven repayment
• Perkins Loan Repayment
• Standard Repayment

Postpone Repayment

• Deferment
• Forbearance
• Grace Periods

Repaying out of Default

• Consolidation to get out of Default
• Rehabilitation

Dealing with Servicers

• Keep careful notes on all telephone conversations
• Request copies of loan history
• Save all receipts
• Always verify your current contact information

Military Programs

• Deferment is available to active duty borrowers
• No Interest accrual while eligible military service members are on active duty
• Active duty student deferment

Bankruptcy

• Chapter 13
• Chapter 7

Federal Loan cancellation

• Cancellation
• School Related
• Disability and Death
• Job related
• Incarceration
• Perkins Loans

Collections

• Consequences of Default
• Collection Actions
• Credit scores
• Collection Fees

Private Loans

• Repayment
• Cancellation & Settlement
• Default and Collections