If you are like many Americans, you may be carrying a heavy student load debt. You may also be having trouble making your payments and having trouble figuring out your options for how to resolve your debt. A student loan lawyer is an attorney who specializes in the student loan system, and can help borrowers navigate the often complicated world of student loans. Whether you have federal student loans or private student loans, a student loan lawyer can advocate for you and make sure your best interests are advanced in order to successfully resolve your student loan issues.

Why Would You Need a Student Loan Lawyer?

Student loan lawyers can be helpful to anyone who is delinquent or in default on their student loans or is facing extreme difficulty in paying student loans. If you are currently struggling with a complex student loan situation, a student loan lawyer can help to untangle the web of collection agencies, legal actions, and threatening letters. While many people may be able to handle their student loan problems on their own, these matters can be complex and time consuming, and dealing with the bureaucracy of student loan companies can be incredibly frustrating. A student loan lawyer can simplify the process and help you move forward with a game plan to pay off your loans or otherwise deal with them in a way that better works for you.

How Does a Student Loan Lawyer Help?

A student loan lawyer can help you in a number of ways. First and foremost, a student loan lawyer will provide you with legal advice and guidance regarding your situation. You may not be aware of your legal rights and options for resolving your debts; an attorney who specializes in student loans can help you understand them and give you a better idea of how you can proceed. A lawyer can also represent you in communicating or negotiating with a lender, servicing company, debt collection agency, or other administrative body. If you meet the eligibility requirements, your student loan lawyer can also help guide you while applying for a discharge of your student loans.

The Impact of Financial Illiteracy on The Student Debt Crisis

If you are currently past due on your student loans and have been subjected to unfair or abusive conduct by debt collectors, your attorney can step in and protect you from these tactics — many of which may be illegal under your state’s laws. A lawyer can also handle credit disputes. For example, if you have proof that you paid on certain loans and those payments have not been posted to your account, a student loan lawyer can make that argument on your behalf to your student loan servicer. Finally, if you have any legal matters related to your student loans, such as a collections lawsuit, your student loan lawyer can defend you. He or she can also file a lawsuit against your college or university, or other lending institution if they violated the law in issuing the loans to you.