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Student Loan Debts

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Are You Struggling With Student Loan Debt?

Congress passed the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, which has made it hard to discharge federal and private student loan debt through bankruptcy. It’s possible to get student loan debt discharged, but the borrower must be able to prove the loan causes undue hardship for them and their family. Filing for bankruptcy may be the right solution for you, but it’s important to know that student loans are not handled in the same way as most credit card debts, medical bill debts, and other debts.

There are many specifics to consider when attempting to wipe out student loan debt through Chapter 7 or Chapter 13 bankruptcy. At Brenner Spiller & Archer, LLP, we have more than 35 years of experience helping people just like you overcome debt through bankruptcy. We know the options available for dealing with student loan debt and will help you choose the best one for your situation based on your loan type and your financial situation.

4 Ways To Discharge Student Loan Debt Without Filing For Bankruptcy

Bankruptcy is not the only solution to help resolve your debt problems. Alternatives solutions that can solve student loan debt problems include:

1) Postponing payments through deferment or forbearance programs

2) Eliminating the loan altogether through loan cancellation

3) Entering into an income-sensitive or income-contingent repayment plan

4) Consolidating many loans into one loan

Schedule A Free Consultation With a Skilled Camden County Student Loan Debt Relief Attorney

At Brenner Spiller & Archer, LLP, we provide friendly, caring and affordable legal services. We serve clients throughout central and south Jersey with offices in Collingswood, Mount Holly, Vineland, and Freehold.  If you need a bankruptcy attorney, call 856.963.5000 today to schedule your free consultation.

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