Student loan debt is problematic.
Are you overwhelmed by student loan debt? Our experienced attorneys at Walden Legal Solutions are here to provide the guidance and support you need to manage and resolve your student loan issues.
Across the nation borrowers owe $1.76 trillion in federal and private student loan debt as of September 2022.
If student loans are part of your struggle, it’s time to learn about solutions.
What is a Student Loan Attorney?
In general, this is a Lawyer who assists clients with their student loan matters. Student Loan Law is not a topic specifically taught at law schools. So, for an attorney to know and understand student loan law and to be able to apply it correctly they complete advanced training and practice material to properly assist you with student loans.
Why Seek Legal Assistance for Student Loans?
Navigating student loan debt can be complex and stressful. Legal assistance can help you:
- Understand Your Options: Explore repayment plans, loan forgiveness programs, and consolidation options.
- Negotiate with Lenders: Work with lenders to modify loan terms and reduce payments.
- Avoid Default: Take proactive steps to prevent loan default and its consequences.
Our Approach to Student Loan Solutions
At Walden Legal Solutions, we offer personalized assistance tailored to your unique financial situation. Our services include:
- Comprehensive Assessment: Evaluate your loan portfolio and financial status.
- Strategic Planning: Develop a customized plan to manage and reduce your debt.
- Ongoing Support: Provide continuous guidance and support throughout the process.
Why Choose Walden Legal Solutions?
Our team is dedicated to helping you achieve financial stability and peace of mind. With our expertise in student loan law, we ensure you receive the best possible outcome.
How can a Student Loan Lawyer Help Me?
Student Loan Law is a complex area and requires extensive knowledge of possible solutions for different situations. Unfortunately, lenders are not typically helpful in providing you with necessary information. There are many options and opportunities currently available that no one is talking about! We are here to offer student debt advice, so you can finally get relief.
After your assessment of federal student loan information, we can provide direction if—
- You qualify for forgiveness under any special programs due to your situation or education, such as Public Service Loan Forgiveness (PSLF), Teacher Loan Forgiveness, Perkins and Stafford Loan Cancellation or other Administrative Debt Cancellation and Discharge:
- Disability
- Teacher
- Nurse / Doctor
- Lawyer
- Military / Veteran
- Closed schools discharge
- Consolidated loans would provide a recount for number of years of payment or a ‘Fresh Start’:
- You may be able to take YEARS off of the life of your loan right now through consolidation opportunities
- New ‘Fresh Start’ opportunities are coming – restore your credit!
- You need to move your loans out of default and form an affordable plan payment:
- An average of 7.1% of all loans are in default at any given time.
- Defaults can happen multiple times with federal loans.
- Your wages may be garnished, tax refund intercepted or social security offset.
- Modifying your loan to a lower monthly payment would move you forward:
- Federal considerations; Income based repayment (IBR), Income contingent repayment (ICR), Pay As You Earn (PAYE), Revised Pay as You Earn (REPAYE)
- Public considerations; Interest only, Fixed, Full Deferment
- Bankruptcy would discharge your student loans AND other debts you are struggling with:
- Student loans are discharged through an adversary proceeding in bankruptcy. The Department of Justice (DOJ) issued guidance in November, 2022, outlining new procedures to assist borrowers in obtaining a reduction and discharge of student loan debt.
You are a Kansas City Student Loan Attorney, can you still help me – I’m not in KC?
Yes! Our office is in Lenexa, KS, and we are licensed in KS and MO. However —
- We help borrowers across the nation deal with modifications, repayments and forgiveness programs with their federal student loans!
- In addition, locally, we represent borrowers in bankruptcy adversary proceedings in Kansas and the Western District of Missouri to discharge their federal and private student loan debt.
Bottom line, take time to know what solutions are available for you situation.