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Articles Posted in Student loans

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Scathing Audit of the Department of Education’s Oversight of its Servicers Show 61% Noncompliance

As a student loan attorney, I find this appalling.  What if someone hired me as their attorney and I failed to comply with the law 61% of the time?  I bet I’d be hearing from the Florida Bar pretty quickly and I’d probably lose my license to practice law. But…

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Little Known Process to Discharge of Federal Student Loans due to Disability

There is a separate process from the Social Security Administration’s process that is available through NelNet to discharge federal student loans (no matter who the servicer is).  It’s called a Total and Permanent Disability Application.  The good news is that it has been taking our firm only about two months…

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Ever Wonder Which States are most Impacted by Student Loan Debt? You Guessed it Florida is Right Smack in it. Good Thing I Don’t Practice in South Dakota, I’d be Bored.

This is a pretty cool map that shows the southeastern U.S. as ground zero for the student loan crisis.  Most all of Florida shows this to be a High, Very High or Extremely High debt level according to this map. I’m glad our bankruptcy court for the Middle District of…

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Why Not Ask a Student Loan Attorney What Can be Done to Reduce Student Loan Debt?

If someone were to ask me what could be done legislatively to help student loan borrowers manage or reduce their student loan debt, I’d suggest and have suggested: 1) simplification of the IDR programs- President Trump has included this in the two most recent budget proposals – one plan that…

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Who Thinks Student Loans are just a Millennial Problem? The new Student Loan Portal Starting October 1 in the Middle District Bankruptcy Court Recognizes the Student Loan Crisis for what it is – a Generational Problem!

Student debt is no longer just a young persons’ issue. As of December 2018, approximately 8.4 million Americans aged 50 and older owe $289.5 billion in student loans, approximately 20% of total student loan debt.  This represents a 512% increase from the $47.3 billion owed by that cohort in 2004,…

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New Program to Address Student Loans in Bankruptcy Specifically for Florida!

In an effort to ensure debtors receive a “fresh start” and not a “false start”, the Bankruptcy Court for the Middle District of Florida has implemented a Student Loan Management Program which utilizes a transparent portal to obtain relief from federal and private student loans.  The SLMP is an attempt…

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How Can a Student Loan Attorney Help — Afterall My Servicer’s Advice is Free, Right?!

While I don’t generally post our client reviews, there are times where I simply can’t help myself.  This one in particular shows the difference between having an advocate on your side versus getting your information from the student loan servicer — who by the way represents the creditor only.  They…

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