What Happens if You Default on a Student Loan

One of the biggest questions I receive as a debt relief attorney, is what happens if you default on a student loan?   First, it depends if you have private student loans or federal student loans.  But the bottom line is, you definitely do have options to get student loans out of default, as you can …

California Federal Student Loan Debt Lawyer That Offers Free Consultation

If you are looking for a federal student loan debt lawyer in California and have questions about student loan forgiveness, make sure you find one who offers a free consultation. Never pay someone upfront for advice on getting help with federal student loan debt.  Beware of those making money off the student loan debt crisis. An …

Can I Really Represent Myself Instead of Hiring a Student Loan Lawyer?

Anyone can learn the law and defend themselves in a civil case (excluding some small claims courts), so the answer is yes.  And anyone can negotiate a debt settlement, as long as you educate yourself thoroughly.  Keep in mind that the plaintiff’s attorneys have vast resources at their fingertips and are ready to use them …

8 Tips For Dealing With Student Loan Debt After Graduation

Graduation is upon us!  Many new college graduates will be confused about what to do if they are graduating with student loan debt. According to higher education and student loan expert Mark Kantrowitz, among the 70% of students who will graduate with student loans, the average amount of student loan debt for a 2016 graduate …

Loan Rehab Program For Federal Student Loans

You never expected to end up in over your head when you applied for federal student loans, but circumstances have a way of working out differently – and now you’re in default on payments. Fortunately, you have options such as student loan forgiveness to move out of default, get back on track with monthly payments …

Income Based Repayment Plans For Federal Student Loans

Whether you’re a recent graduate or have been out of school for awhile, you might have concerns about repayment on student loans you borrowed from the federal government. For some, the job market may be more challenging than you expected; for others, you might be experiencing personal troubles or financial hardship. Regardless of your circumstances, …

The difference between private and federal student loans

Whether you’re in high school and considering college or want to go back to school for additional training, you might need to look into borrowing funds to pay expenses. Tuition, boarding and the cost of living can be high, which is why many people think about private and federal student loans in San Diego. There …

Can I settle private student loan debt?

There are many personal and professional reasons you might be in trouble with your private student loan debt, from illness to job loss to unexpected expenses. But you’re not alone if you’re having problems making regular, timely payments. If you’re considering whether to negotiate or settle private student loan debt in San Diego, it’s important …

Options If I Default on Both My Federal and Private Student Loans

La Jolla, CA – March 2, 2015 Q: What are my debt relief options if I am delinquent on both my federal student loans and my private student loans? A: Falling behind on your student loan payments is a problem far too common. I speak with people on a frequent basis facing delinquency in payment …

Top 3 Strategies for Defaulted Student Loans

Failure to repay a loan according to the terms agreed to in the promissory note will lead to default. For most federal student loans, you will default if you have not made a payment in more than 270 days. The national federal student loans default rate sits at 13.7%. Defaulting on your federal student loans can …