The National Consumer Law Center’s Student Loan Borrower Assistance Project is a resource for borrowers, their families, and advocates representing student loan borrowers.
PLEASE NOTE.....
On August 24, 2022, President Biden announced widespread student debt cancellation of up to $20,000 for eligible borrowers. For information about the new one-time student loan cancellation, visit our page here. The application for this one-time debt cancellation is available on the Department of Education’s website here. Thank you for your patience as we update our website about these major changes.In the meantime, you can visit studentaid.gov for information about managing your federal student loans from the U.S. Department of Education, including information about the payment pause and debt cancellation.
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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