Student Loan Debt Relief

Helping you and your family deal with student loan debt
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Student Loan Debt Relief Attorney In Mandeville, Louisiana

Do You Struggle To Pay Your Student Loans?

When facing unmanageable student loan debt, you might not know what steps you can take to remedy the situation. At The De Leo Law Firm, LLC, we can help you create a strategic plan to ease the financial burden of your loans. We provide highly responsive and hands-on legal representation to people in the Mandeville area and throughout Louisiana who are struggling to repay their student loans. We are committed to giving each client the individualized attention they need to find lasting relief.

Contact The De Leo Law Firm, LLC to schedule a consultation with a lawyer today. 985-332-4355

Options For Discharging Student Debts During Bankruptcy

In most cases, student loans cannot be discharged in bankruptcy. However, there are certain situations where all or some of your loans can be discharged under Chapter 7 or Chapter 13. You must prove an undue hardship, but courts have discretion in determining whether a hardship exists. Some courts use the Brunner test, which takes poverty, the persistence of your debt and your good faith in trying to repay it into consideration. Other courts use the totality of circumstances test, which determines if paying your student loans is an undue hardship. The results of these tests may lead to your loans being dischargeable.


Your student loan debt may also be discharged in bankruptcy if:


  • You have become permanently disabled.
  • You were unable to complete your degree because your school closed.
  • The school falsified your ability to benefit from its program.
  • The school forged or altered your loan application without your knowledge.
  • You are the victim of identity theft.



To achieve a discharge of your student loan debt, we must file what is called an adversary proceeding in the Bankruptcy Court and prove to the judge that you are entitled to an undue hardship discharge. We can draw on a variety of strategies to achieve this result if this provides you the best chance for debt relief.

Skilled Advisers Assist With Monthly Payment Reductions

When you can’t pay the amount you owe according to your student loan repayment agreement, you’re in default. If your financial downturn isn’t a temporary one, and you can’t see any prospects for getting caught up on your payments, the sooner you seek out legal services, the better. We can work with you to get you into a more forgiving repayment program, such as PAYE, REPAYE, an income-based repayment plan, such as an IBR or IDR, or a consolidation plan. While bankruptcy is always a last resort – and difficult to obtain for student loans – we can help you explore all the possibilities to get you out of debt and into financial health. Don’t wait until your lenders garnish your wages or take your tax refunds. Get experienced legal help today!

Dedicated Counselors Advise On Loan Forgiveness Programs In Louisiana

In some specific circumstances, your student loan may be forgiven in Louisiana. If, after ten years, you are working for the government, a religious organization, a charity, or as a teacher or nurse, you may no longer have to repay your student loans. In some cases, your loans may be forgiven after 20 or 25 years, no matter where you are employed. Loan forgiveness depends on which repayment plan you are using. You might also be entitled to loan forgiveness if your school closed or misrepresented the benefits of receiving an education there, or you become disabled. We can explain whether you are eligible for loan forgiveness and help you pursue this option.

Trusted Attorney Advises On Postponement And Deferment Of Student Loans

Postponing or deferring a loan is not always a good option, as your loans continue to gain interest, and deferment only temporarily relieves the debt. However, your loans might be deferred if:


  • You are on active military duty or in the Peace Corps.
  • You cannot work due to injury and are receiving temporary total disability benefits.
  • You are enrolled in school or an approved graduate fellowship program.
  • You have become unemployed or suffered another economic hardship.


To learn more about your options for student loan debt relief, speak with our attorneys. We understand the stress you are dealing with, and we have both the knowledge and experience to help.

Contact a Louisiana debt relief law firm for help with student loan debt

If you are dealing with student loan debt, The De Leo Law Firm, LLC can help you pursue the relief you need. Call us at 985-332-4355 or contact us online to schedule a free consultation. From our Mandeville office, we represent clients throughout Louisiana.

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Discharge in bankruptcy may be granted if you file a separate action, known as an "adversary proceeding," asking that the bankruptcy court find that repaying the loan would impose undue hardship on you and your dependents.

Learn about what you must do to ask the court to discharge in bankruptcy your federal student loan.


https://studentaid.gov/manage-loans/forgiveness-cancellation/bankruptcy

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