Student Loans

Live confident.

We have all been told there is a student loan crisis.
We have all been told there are ways to get student loan help.

For most of us, the truth is accessing the information, understanding it, and physically experiencing relief in our lives is not actually happening.

Which equals another truth: repaying student loans is more confusing than ever.

We are a law firm that solves this student loan problem by ending the confusion. We give our clients confidence that they are receiving the right Dallas student loans help based upon the right information tailored for their specific situation.

Ready to Live Confidently?

Schedule your RISK FREE attorney consultation today.

Student Loan Services

  1. Personal Finance We help clients manage their student loan payment by:
    • Reviewing student loans for lower payment options
    • Advise on best payment options for married persons
    • Review eligibility for Public Service Loan Forgiveness
    • Explain IRS consequences
    • Review for consolidation options or refinance options
    • Represent you in debt negotiations or application process
  2. Hardships and Default Management Things happen; we can turn it around:
    • Review situation to assess if legal rights are available or being violated.
    • Stop wage garnishments
    • Stop tax refund seizures
    • Resolve and cure defaults
    • Stop abusive creditor calls
    • Negotiate settlements
  3. Litigation & Lawsuit Defense
    • Prosecute breach of contract claims and consumer protection claims
    • Negotiate settlements with student loan lenders
    • Prevent wage garnishments or asset seizures
    • Defend student loan default lawsuits
    • Apply for fraud-based student loan discharges
    • Apply for disability-based student loan discharges
    • Apply for hardship-based student loan discharges
  4. Servicing Issues When you don’t understand what’s been happening to your loan:
    • Reviewing student loans for correct posting of payments
    • Investigate & validate disputed debts
    • Dispute erroneous credit reporting
    • Representation in payment disputes
    • Consumer protection representation when loan servicers provide false or misleading information
  1. What to Expect in Your Attorney Consultation
    • Our goal is for you to leave your consultation with a clear understanding of the strategy we will use to deal with your student loan issues and instill confidence in you that you have made the right decision.
    • We want to understand your story, so you can expect that we will listen attentively.
    • We all have situations in our lives we are not proud of; you will not be judged
    • Our attorneys’ fees are fair and we allow payment plans.
    • The Consultation Fee explained:

Top 10 Questions

  1. My school closed while I was enrolled and now I can’t graduate. What happens to my federal student loans?

    My school closed while I was enrolled and now I can’t graduate. What happens to my federal student loans?

    If you have federal student loans and are currently enrolled or recently left a college or university that has closed, you may be able to discharge (cancel) your loans.

  2. What happens to my federal student loans if I die or become disabled?

    What happens to my federal student loans if I die or become disabled?

    Federal student loans do not transfer to another person if you die. Your relatives can notify the loan servicer, and the loans will be canceled. In the case of total and permanent disability, you may apply for a loan discharge (cancel).

  3. I think I am eligible for fraud-based discharge.

    I think I am eligible for fraud-based discharge.

    If you are a victim of fraud you may apply for student loan forgiveness based upon a borrower defense. This is a fact-based application where the borrower must provide documentation proving enrollment, information about your program of study, emails with school officials, promotional materials from the school showing you were materially misinformed. If you believe you qualify you should bring your documentation and meet with an attorney.

  4. I think I am eligible for disability-based discharge.

    I think I am eligible for disability-based discharge.

    You may apply for a totally and permanently disabled discharge (cancel) of your student loans. There are three ways to prove you’re totally and permanently disabled. If you are a veteran and have received a determination from the U.S. Department of Veterans Affairs that you have a service-connected disability that is 100% disabling then you may qualify. Second, if you have a determination from the Social Security Administration that your next review will be within 5 to 7 years then you may qualify. Third, you can submit a certification from a doctor of medicine or osteopathy that you are totally and permanently disabled.

  5. What is Public Service Loan Forgiveness?

    What is Public Service Loan Forgiveness?

    You must work full-time for a qualifying public service employer and enroll in a qualifying repayment plan to be eligible for Public Service Loan Forgiveness. If you meet those requirements, after 120 qualifying monthly payments the remaining balance of your federal Direct Loans are forgiven.

  6. I was told that Parent Plus Loans do not qualify for Income Driven Repayment Plans.

    I was told that Parent Plus Loans do not qualify for Income Driven Repayment Plans.

    Parent Plus Loans individually do not qualify for any Income Driven Repayment Plans; however, Parent Plus loans can be consolidated with other loans and qualify for an Income Contingent Repayment Plan. You should consult with us prior to making any decisions to ensure you are choosing the best strategy.

  7. If I co-sign for my grandchild’s student loan, can the lender garnish my Social Security check if my grandchild can’t or won’t repay the loan?

    If I co-sign for my grandchild’s student loan, can the lender garnish my Social Security check if my grandchild can’t or won’t repay the loan?

    Federal student loans do not require a co-signor. A parent or legal guardian can borrow a Direct Plus loan to help a student pay for college, generally Plus loans are not extended to grandparents, so in the event of a defaulted federal student loan, a grandparent’s social security check is more than likely protected. You may have co-signed for a private student loan. Private companies that offer private student loans are not allowed to garnish social security checks of co-signors if the borrower can’t or won’t repay the loan; but the lender can still sue the co-signor in court to collect upon the debt.

  8. What happens if I default on a private student loan?

    What happens if I default on a private student loan?

    Private lenders may attempt to collect on your debt directly, or they may hire collection agencies to collect on the debt. Lenders may sue you in court and report the default to credit reporting agencies.

  9. If I co-signed for a student loan and it has gone into default, what happens?

    If I co-signed for a student loan and it has gone into default, what happens?

    If you co-signed for a student loan you are legally obligated to repay the debt. The lender may pursue you for collection of the debt.

  10. What happens if I default on a federal student loan?

    What happens if I default on a federal student loan?

    If your loan holder is unable to obtain payment from you for 270 days, they will take steps to place the loan in default and attempt to collect on the loan. The lender may accelerate a defaulted loan and demand the entire balance be paid in one single payment. If you federal loan goes into default you are at risk of your wages being garnished, losing your tax refund, and having credit reporting agencies notified.

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