Frequently Asked Questions.

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There are two types of student loans, federal and private. Federal loans are backed by the federal government and lenders aren’t willing to negotiate balance reduction on these types of student loans. They have many remedies to collect from you including garnishment and keeping your federal tax returns. They are not dischargeable in bankruptcy.

Private student loans are different. They are made by banks and are subject to negotiation and balance relief. We believe that they are willing to take less than what they claim is owed because a fast nickel beats a slow dime. Like federal loans, they are typically not dischargeable in bankruptcy.

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