There is over 1.2 trillion dollars of student debt in America today. Over 8 million Americans are in default of their student loans. Student loan debt is one of the largest growing and most troubling problems facing our country today. Even those who are not in default, are typically struggling to keep up with their monthly payments. Our firm is one of the rare professional organizations that are uniquely qualified to handle every type of student loan issue. Whether you are being sued by a private lender, or are in default of your federal loans and being garnished, or you just want to explore your options and know if you are in the best repayment plan, we offer a free consultation to discuss your particular situation and provide you with all of the options that are available to you. We do not charge a fee unless we can help you implement an option that best suits your needs. If you are in default, you are the individual that are in most need of our firm’s services. The interests and penalties will accrue on your loans very rapidly and your wages and tax refunds will be garnished. There are several options to get you out of default and into a repayment plan that is affordable for you. The individuals that stand to most benefit from a sit down with one of our attorneys, are those who work for non-profit or government agencies, such as non-profit hospitals, public schools, and municipalities. There is a government program where these individuals may qualify to have the balance of their student loans forgiven after ten years of repayment. Most individuals who work in these sectors have no idea this program exists and may not be repaying into the right plan, or need to consolidate their loans in to the right loan program, in order to immediately start this ten year clock. The best thing about this strategy is that your monthly payment may even be lowered in the process. Even if you do not work in the non-profit or government sector, you may qualify to lower your student loan payments. There are pros and cons to each repayment plan that your attorney will fully inform you about and help you decide which plan is best for you.