The National Consumer Law Center’s Student Loan Borrower Assistance Project is a resource for borrowers, their families, and advocates representing student loan borrowers.

Which steps can we help you with?

cancel loans

Cancel Student Loans

  • The most complete way to deal with debt
  • Limited government cancellations
  • How to apply for cancellations
Applying for Cancellations
cancel loans

Manage Repayment

  • Avoid default with flexible payment plans
  • Do you have low income and high debt?
  • Do you need a temporary break from payments?
Manage Repayment
cancel loans

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
Challenge Collection

Bankruptcy

Bankruptcy cancellation is difficult, but not impossible.

  • Can you prove undue hardship?
  • Is bankruptcy the best option for you?
Learn about bankruptcy

Consolidation

Government student loan consolidation is free.

  • Are you eligible to consolidate?
  • Is consolidation a good idea?
Consolidate your loans

Rehabilitation

Comparing rehabilitation and consolidation to get out of default.

  • Who is eligible for rehabilitation?
  • What happens after rehabilitation?

Rehabilitate your loans


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Please Note

Please understand that we do not provide legal advice about individual cases. This web site includes links to other resources for those who seek individualized legal advice or other help not offered here. This site is for people who already have student loans and want to know more about their options and rights.
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