Private student loans

Private student loans don't come with the federal repayment programs that federal loans have, which can make them harder to manage.

Free consultation. No obligation to enroll.

Signs it may be time to look at options

Federal loans have different programs. Check the Federal Student Aid website to see which loans you have.

Some private lenders offer temporary hardship options.

May lower your rate if your credit and income qualify.

Some private student loans may be eligible for broader debt relief discussions. Eligibility varies.

Federal student loans are generally not eligible for the programs we discuss. Visit studentaid.gov for federal options.

Your credit may be affected
Debt relief programs can have a negative effect on your credit, especially if accounts become delinquent during the program.
Creditors don't have to negotiate
Creditors are not required to participate or to accept a reduced amount. Some may not.
Collection activity may continue
Creditors and collectors may keep contacting you, and interest, late fees and penalties may continue to accrue.
Lawsuits are possible
A creditor may sue to collect a debt, which can lead to judgments, garnishment or other remedies allowed by law.
Results aren't guaranteed
Not every debt is resolved, and no specific savings, settlement or timeline can be promised.
Taxes may apply
Forgiven debt may be considered taxable income. Consult a tax professional about your situation.
Stopping payments has consequences
Stopping payments to creditors can lead to late fees, collections and credit damage. Understand this fully before deciding.

Start with a free conversation. We'll learn about your situation, answer your questions and help you understand what options may be available.

Free consultation • No obligation