texas attorney who specializes in student loand

What can a student loan attorney do for You?

When you need help to make sure that your child receives an appropriate education, contacting an education law attorney near you is the first step. Use the list of education law professionals that we've compiled to hire a local education law lawyer to …

What is student loan law?

Here is the main reason you need a student loan lawyer to fight for you and protect you against student loan lenders, such as Navient, Discover, National Collegiate Trust, etc. — there is A LOT of money exchanging hands in the student lending market. Whenever there is a lot of money exchanging hands in an industry, people tend to get greedy and break the rules.

Can I defer private student loans to find a job?

Learn about common student loan assistance scams and how to avoid them. Paying off student loan debt can be overwhelming and daunting. Scammers prey on this, baiting consumers with fraudulent offers to defer, lower, consolidate or eliminate debt. Through so-called student loan assistance programs, they offer unnecessary services and unhelpful one-size-fits-all solutions.

What is the student loan law workshop?

Aug 26, 2014 · Then, schedule a 30-minute Student Loan Analysis via phone or virtual meeting for just $200. By the end of the Analysis, you’ll have a clear idea of what you can do to better handle your situation. Our goal is to demystify student loans – what can and cannot happen, what options you have, and how to deal with your loans to put you back in ...

Does Texas have student loan forgiveness?

The Texas Access to Justice Student Loan Repayment Assistance Program. This student loan forgiveness program in Texas is funded by the State Bar of Texas. Attorneys who work with low-income citizens as part of a legal aid program can apply.Nov 1, 2021

Can I sue for my student loans?

Lawsuits are not very common in federal student loan collection, but they can happen! It is less common for the government to sue to collect on student loans because it has so many tools to use outside of court. Still, it is an additional collection power and the government does use it sometimes.

What is the statute of limitations on private student loans in Texas?

4 yearsPrivate Student Loan Statute Of Limitations TimelinesStateStatute of LimitationsTexas4 yearsUtah6 yearsVermont6 yearsVirginia5 years47 more rows•Feb 7, 2022

Is there a class action lawsuit for student loan forgiveness?

The lawsuit claimed that Navient engaged in unfair and deceptive practices by steering student loan borrowers into forbearances and away from critical federal student loan relief programs, like income-driven repayment plans and Public Service Loan Forgiveness (PSLF).Jan 13, 2022

Do I qualify for the Navient lawsuit?

Here are the eligibility criteria: You must have borrowed a private student loan from Navient or its predecessor, Sallie Mae, between 2002 and 2014 while attending certain for-profit schools like the Art Institute, ITT Technical Institute, and others. You can see a full list of schools at navientagsettlement.com.Feb 14, 2022

How do I respond to a student loan lawsuit?

Here's what you need to do if you're being sued for your student loans:Get background information.Speak with a student loan lawyer.Answer the lawsuit.Head to court.Jun 30, 2021

Can a private student loan be discharged?

Private student loans can be discharged without proving undue hardship if: a nonprofit did not back the loan. the loan exceeded your cost of attendance (i.e., education expenses set by your school's financial aid office) the loan was not a conditional grant of money like an ROTC scholarship.Nov 20, 2021

Will they forgive private student loans?

Federal student loans are hard to get forgiven, but at least some programs for loan forgiveness, like the Public Service Loan Forgiveness program, do exist — even if it's hard to qualify for them. For borrowers with private student loans, though, it's somewhere between difficult and impossible to get loans forgiven.Mar 3, 2022

Do student loans go away after 7 years?

Do student loans go away after 7 years? Student loans don't go away after seven years. There is no program for loan forgiveness or cancellation after seven years. But if you recently checked your credit report and are wondering, "why did my student loans disappear?" The answer is that you have defaulted student loans.Jan 13, 2022

Is Texas part of the Navient settlement?

Texas is not part of the settlement but an attorney hopes that Attorney General Ken Paxton follows suit. HOUSTON, Texas (KTRK) -- One of the largest student loan servicers agreed to cancel $1.85 billion dollars in student loan debt for 66,000 borrowers.Jan 15, 2022

How can I get rid of student loans without paying?

There's no simple way to get rid of student loans without paying. ... If you're having difficulty making payments, your best option is to contact your private loan holder about renegotiating your payment or taking a short-term payment pause.More items...

How do I fight student loan debt?

Qualify For A Federal Student Loan Forgiveness Program. ... Find State Assistance For Your Student Loans. ... Find Out If Your Employer Offers Tuition Reimbursement. ... Consolidate Your Federal Student Loans. ... Find A Repayment Plan That Matches Your Ability To Pay. ... Setup An Income-Based Repayment Plan With Loan Forgiveness.More items...•Oct 23, 2021

Find A Trusted Education Lawyer

Education lawyers represent parents and their children in cases involving students' access to public school education, rights of special needs students under the Individuals with Disabilities Education Act (IDEA), discrimination in education, and more.

What Can Special Education Lawyers Do?

Within the field of education law, there is a subset of special education attorneys who are primarily focused on fighting for special needs children and those with learning disabilities. These attorneys can:

Education Lawyers Help With All Types Of Education Law Issues

In addition to offering legal advice about special education and general education law-related topics, education law attorneys answer detailed questions such as:

How Do I Choose An Education Attorney?

Consider the following when speaking with any of the education attorneys listed in this lawyer directory:

What are the two main types of student loans?

There are two main categories of student loans: federal and private. Federal student loans, such as Stafford Loans are backed by the federal government and are highly regulated. We do not work with federal student loans. On the contrary, private student loans may be issued by well known banks, like Citigroup or Chase Bank.

Can you file for bankruptcy with a student loan?

In most situations, neither federal student loans nor private student loans are eligible to be discharged in bankruptcy. However, in some cases, you can have a federal student loan discharged if you experienced serious problems with your school, worked in public service, or have a severe disability.

Can student loans be forgiven?

If a company promises you that they can eliminate or reduce your student loan debt, use caution. Student loan debt generally cannot be eliminated or forgiven, aside from special exceptions – including death, permanent disability, identity theft, and federal loan forgiveness plans and income-based repayment plans that can take many years and are available only through the Department of Education. You do not need to hire someone to take advantage of these programs – you can set them up yourself for free through the Department of Education.

Is it a scam to consolidate student loans?

If a company charges you money upfront to consolidate your federal student loans, it is a scam. These companies will take your money under the guise of a processing fee without ever consolidating your loan.

Is student loan debt a scam?

Paying off student loan debt can be overwhelming and daunting. Scammers prey on this , baiting consumers with fraudulent offers to defer, lower, consolidate or eliminate debt. Through so-called student loan assistance programs, they offer unnecessary services and unhelpful one-size-fits-all solutions. They charge high fees, often for things that federal government programs offer for free. These scams could cost you thousands of dollars and drive you further into debt.

How long can you default on a student loan?

Defaulting on student loans, whether federal or private, can have huge repercussions on your loans. Once one payment on a federal loan is late for more than 270 days, your loan balance is subject to a 24.5% addition to the balance of the loan and you can default multiple times.

What is considered an eligible student?

Eligible Student: An additional requirement for a qualified educational loan is that the private student loan borrower is an eligible student during the period of the loan. Some factors of an eligible student include being a US citizen or eligible non-citizen and enrollment in an eligible degree.

What is income driven repayment plan?

The income-driven repayment plans offered by the federal government allow individuals to base their monthly payments on their income. Another benefit of these federal income-driven repayment plans is that there is the opportunity to discharge the remaining balance on your loan once the required years are met.

Can student loans be discharged?

The truth is student debt can be discharged in several ways and there are many programs out there to help with student debt. The problem is there is not a lot of information available to student loan holders and there are very little professionals out there that understand the many options available.

Edna Carroll Straus

Here’s what I found in your area:#N#https://www.hg.org/law-firms/debt-relief/usa-california/upland.html

Richard Scott Lysle

Go to the website of the National Association of Consumer Advocates and check out the attorneys listed there. The NACA is a membership organization dedicated to helping consumers. Beware of companies which try to consolidate your loans or put you on a payment program.

Lisa Jane Espada

Be very cautious (suspicious) about any company that you find on the internet that promises to help you resolve defaulted student loans. Many such companies are scams which take your money but do nothing to help with the underlying problem.

James Charles Shields

Contact the Student loan company directly and see if they have any hardship programs or see if you qualify for an income based payment plan. Collection agency will do what is in their best interest, not yours. Find an attorney that has experience in student loan workouts.