Plan today for a better tomorrow. Schedule a free consultation with a Florida student loan lawyer.
Education is a pathway to success for millions of people. Unfortunately, many students are saddled with massive student loan debt. Upon graduation, the loan payments begin whether you're ready or not. What started with a simple signature can become a financial burden later in life.
If you’ve contacted your student loan servicer for help, but you’re still struggling to make payments, a student loan lawyer may be able to help. Whether you are eligible for student loan forgiveness, debt consolidation, or student loan discharge, our Florida student loan lawyers can work with you and find the best solution for your student loan debt.
Robert Stiberman is a top rated student loan lawyer in Florida. His law firm, Stiberman Law, is composed of a team of experienced student loan attorneys with a proven track record of getting people the debt relief they need to get a fresh start in life. We’ve represented hundreds of student loan clients over the past few years, with outcomes we are very proud of and our clients are very thankful for.
Our law firm has experience working with almost all of the major student loan lenders, loan servicers and private collection agencies in Florida. We will work closely with you to build a manageable student loan repayment plan, or we can help determine your eligibility for the different types of student debt relief options available to you.
Serving in the State of Florida, Robert Stiberman, top rated student loan attorney, can help you manage your student loans debts.
If you find yourself with less income than you anticipated after graduation and are unable to keep up with your student loan payments, contact us for a free student loan debt evaluation.
A student loan attorney can help you find the best possible solution that will help you manage or dissolve your student loan debt. By leveraging the experience of a student loan lawyer, you will get better insight into your financial situation and you’ll learn how to quickly manage, pay off, or discharge your student loan debt. There are circumstances in which you may be eligible to discharge a significant portion of your student debt - and other situations in which your actions may preclude you from dissolution. These are just a few of the scenarios that may prevent or permit eligibility:
Bankruptcy and Student Loan Debt
Generally speaking, you cannot discharge your student loan debt through bankruptcy. This is one perk that the federal government gives student loan companies to encourage them to lend money to 18-year-olds with limited creditworthiness. There is an undue hardship exception. If, during bankruptcy, you can show the court that paying your student loan payments would cause severe hardship, you may be allowed to include your student loan debt in your bankruptcy.
The bankruptcy cases where we’ve seen this work have involved large debts incurred at for-profit trade schools. If it can be shown that the school you attended has a history of predatory student lending, your case will be more sympathetic.
Florida Student Loan Modification
Federal bankruptcy courts in Florida recognize that they need to offer some sort of relief for bankruptcy filers that are struggling to repay their student loans. Different courts have decided to handle this differently. For example, the US Bankruptcy Court in the Middle District of Florida has launched their own Student Loan Modification (SLM) program.
While you will still find it difficult to discharge your student loan debt as part of a bankruptcy, there is a new forum where debtors and student loan lenders can communicate. This allows the court to play a facilitating role, without placing your student loan debt into your bankruptcy filing. The hope is that lenders will be more willing to lower student loan payments as part of this program, in cases where there is genuine need for relief.
Nursing Student Loan Forgiveness Program
If you work for a qualified health organization, you may be eligible to have up to $16,000 of your student loans forgiven. The Florida Nursing Student Loan Forgiveness Program (NSLF) provides eligible full-time nurses with $4,000 of student loan relief for each year of service. The benefit is capped at four years. There are other stipulations associated with this program. You can speak with a student loan lawyer to learn more about all of the options available to help you reduce or eliminate your student loan debt.
Teacher Student Loan Forgiveness Program
The federal government provides some teachers with up to $17,500 in student loan relief. You can learn more by clicking here. You do not need to hire an attorney to take advantage of this benefit. Stiberman Law wants to ensure that you have access to all the student loan repayment options available to you, even if you don’t need our help to take advantage of it. There are regulations that apply to the Florida teacher student loan forgiveness program that may prohibit you from or assist you in qualifying. Let us help you evaluate your student loan debt relief options today.
Stiberman Law is an experienced student loan law firm in Florida. We can help you navigate your options to create a solution that puts you back on the path to financial prosperity. If you’re struggling with student loan debt, you need to speak with a student load lawyer at Stiberman Law. The consultation is completely free.
Stiberman Law is a top-rated Florida law firm known for its student loan debt relief experts and student loan lawyers. Since 1998, our student loan attorneys have been helping people get control of their finances by providing expert student debt relief counsel. From knowing the changing federal and state regulations for student debt relief to helping you understand why you may or may not be eligible for certain student loan forgiveness programs, we have the resources and knowledge to advise you and plan your next steps to be debt-free!
A Florida student loan attorney can help you understand which options are available for you and which ones are not applicable to your situation. If you are having difficult paying back student loan debt, consulting a student loan lawyer could help you in determining your next steps.
At Stiberman Law, we understand that being in debt is overwhelming. That's why we offer our initial legal consultation for free to new clients - with no obligation! We'll get to know you and your situation, and from there, you decide whether or not to work with us to manage your student debt.
Robert Stiberman is a student loan lawyer with over 20 years of experience helping people with debt problems. He has represented thousands of individuals manage their student loan debt. From loan modifications to student loan discharge, the experienced attorneys at Stiberman Law can help you understand your debt relief options. Robert practices law in Broward, Miami-Dade and Palm Beach counties, advising consumers and attorneys throughout Florida.
We understand that studnet loan debt can feel overwhelming, but you do have options. Schedule a free consultation with a Florida student loan lawyer to talk about your student debt relief options and your best path forward by calling (954) 932-7804 or filling out the form below to get started.
Speaking to our law firm is always 100% confidential. We do our best to respond to inquiries in under 24 hours.
We’ll get in touch as soon as possible.