Let’s talk.
About stress, about finances, about student loan debt that causes added worry, fear and pressure. A type of issue that can lead to anxiety disorders and depression.
You went to school with goals, dreams and a plan for your future. Instead student loan debt is dragging you down and preventing you from being able to have the life that you had expected. Not only is it taking a mental toll, the loans are keeping you from being able to buy your first home (move out of your parent’s home?), start a family, buy a better car, or adjust to inflation and daily cost of living.
Student loan borrowers in the United States owe a collective $1.76 trillion in federal and private student loan debt as of September 2022, according to the most recent quarterly tally by the Federal Reserve.
The age and gender of the borrower may vary. The amount of debt and degree pursued may differ. The type of loans and repayment plans may cover a wide range. However, one thing that TOO many borrowers will have in common, is the experience of default.
In fact, one out of every ten Americans has defaulted on a student loan, and 5% of all student loan debt is in default.
- An average of 7.1% of student loans are in default at any given time.
- 11% of new graduates default in the first 12 months of repayment.
- $124.4 billion in student debt is in defaulted student loans.
- Over a million student loans enter default each year.
- Student loan default affects 9 million borrowers and their families.
While defaulting on student loans can have long-term or even seemingly irreparable consequences, we can help. We understand student loan debt is a crisis in our society. As tuition skyrockets, the debt and stress grow and mental health continues to suffer —
How can a Student Loan Lawyer Help?
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- Lower your monthly payments
- Determine if your loan may be discharged in bankruptcy
- Evaluate and implement federal loan consolidation strategies
- Identify repayment options for which you can qualify
- Assess forgiveness programs based upon your career
- Recognize circumstances in which you are eligible for partial or complete forgiveness
- Stop lawsuits, garnishments and loss of benefits
- … and more!
Are you ready to see how you can take advantage of the opportunities currently available to student loan borrowers, just like you?
Move Beyond Student Loan Debt
Through Our Straightforward Process:
Step 1: Assessment ($165)
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- Create New Account through our secure online Student Loan Intake portal.
- Complete the ‘Analysis’ set of questions so we know more about your situation. This will cover information about your family, employment, income and collection activity.
- For federal loans, you’ll upload your NSLDS from studentaid.gov* (step-by-step guide)
- Pay your $165.00 Assessment fee.
- No Report or Assessment will be completed until the fee has been paid.
- We will review all of the the information you provide.
- To instruct and guide you, you will receive a detailed written Student Loan Assessment Report:
- regarding your options and plan;
- summarizing your current loan status;
- payment options and estimated amounts;
- letting you know if our office is able to help you with additional options;
- and potential next steps.
- If we can’t help, you’ll know up front. No additional cost. No obligation. No judgment.
If we can assist you —
Step 2: Schedule 30-minute Phone / Email Follow-up
- If we can help you, you may schedule a 30-minute in-depth phone analysis of your student loan situation or request further information and follow-up through email.
- During the follow-up, we will outline the solutions to your student loan problem provided in your Student Loan Assessment Report and discuss a plan of action;
- Discuss any issues or concerns you may be having;
- Answer your questions.
*
-During the Student Loan Intake, you’ll be asked to provide some personal information through our secure online portal. We gather this information so we can more accurately assess your options and prepare the assessment you have requested. We NEVER share or sell your information.
– During the Assessment we will be looking at information regarding federal student loans. You are required to provide information from studentaid.gov. It takes 3 days to gain access to your information if you have never done this before. You will need this to complete the assessment form and upload the requested document PRIOR to a paid Analysis being scheduled.
– We are only able to assist fully on private student loans in KS and MO. If you are being sued outside our jurisdiction on a private student loan, we are happy to provide you with a referral.