The National Consumer Law Center’s Student Loan Borrower Assistance Project is a resource for borrowers, their families, and advocates representing student loan borrowers.
COVID-19 Advisory! On Friday, March 27th, Congress passed the ‘‘CARES Act,’’ emergency legislation intended to meet urgent public health and economic needs in the face of the coronavirus crisis. Please visit our blog for the most up to date information on what this will mean for student loan borrowers.
Which steps can we help you with?
Cancel Student Loans
- The most complete way to deal with debt
- Limited government cancellations
- How to apply for cancellations
Manage Repayment
- Avoid default with flexible payment plans
- Do you have low income and high debt?
- Do you need a temporary break from payments?
Challenge Collection
- Don’t give up if your loans are in default
- Fight back against debt collectors
- Defend yourself in an administrative hearing or in court
Bankruptcy
Bankruptcy cancellation is difficult, but not impossible.
- Can you prove undue hardship?
- Is bankruptcy the best option for you?
Consolidation
Government student loan consolidation is free.
- Are you eligible to consolidate?
- Is consolidation a good idea?
Rehabilitation
Comparing rehabilitation and consolidation to get out of default.
- Who is eligible for rehabilitation?
- What happens after rehabilitation?
Cast Your Vote
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