The Department of Education has an ombudsman office to help borrowers and a number of helpful publications and other resources.  The Department also posts answers to frequently asked questions from consumer advocates. […]

It depends on whether you are “collection proof.” This means that your assets and income are small enough to be protected by federal and state law from seizure by creditors.

Yes, but only if the private lender has a cancellation program. Most do not, but some have announced full or partial cancellations due to death and disability.

Yes, but in most cases, there is a time limit on how long the negative information will appear. More info.

There is no specific federal law that requires private loan creditors to offer relief. If you are having trouble with a  private loan, you should request a copy of your […]

Most do not, but it depends on the lender.  Some private lenders also offer deferments on private student loans.

Except for PLUS loans, the government will not look at your credit in deciding whether you are eligible for a loan. Private loans are a different story—the interest rate you get will […]

With more than 850,000 private student loans currently in default and thousands of other borrowers struggling to make their payments, attorneys at the National Consumer Law Center (NCLC) are urging […]

We have testified and written about the urgent need to restore bankruptcy rights for student loan borrowers.  A robust debate on this topic is certainly welcome, but it is critical to get the facts straight.  […]