If you find yourself with less income than you anticipated and unable to keep up with student loan payments, a student loan lawyer may be able to help.
Robert Stiberman is a top rated student loan attorney in Florida. His law firm, Stiberman Law, is comprised of a team of experienced student loan lawyers with a proven track record of working in the law industry.
Our Florida student loan lawyers can help you find the best solution for your student loan debt and loan problems.
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.
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 and unable to keep up with student loan payments, you can contact us for a free evaluation.
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Today, the key to dealing with student loans in Florida is to take the time to learn all about the system, the players, the types of student loans and their differences, and the options available. Or if you don't have the time, desire or ability to do all that, you can hire a Florida student loan lawyer who is on your side.
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.
You should contact a qualified student loan lawyer if you want to explore these options.
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.
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.
Experian reports that student loan debt in Florida has exploded. Nationally, student loan debt has skyrocketed from $650 million in 2009 to $1.41 billion in 2019. That’s insane. Education is important, but we shouldn’t be loading up students with massive loans that are difficult to discharge in bankruptcy – especially at the beginning of their professional career.
Student loans can take a lifetime to pay off. In most cases, they cannot be discharged through bankruptcy – although we’ve been able to utilize work arounds in some cases.
Depending on your profession, you may be eligible to have a portion of your student loans forgiven. Generally speaking, you need to be employed in an industry that serves the public good. Healthcare and public legal help are just two examples.
If you’re serving your community, the state of Florida wants to reward you by helping with burdensome student loans. By taking a job serving your community, you often accept a pay decrease compared to private sector salaries for the same profession.
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.
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.
If you’re struggling with student loan debt, contact our Florida student loan Lawyers to set up a free, no-obligation consultation.
Frequently Asked Questions
A Florida student loan attorney can help you understand which options are available for you and which ones are not applicable for your situation.
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Meet Robert Stiberman
Robert Stiberman is a student loan lawyer with over 20 years of experience helping people with debt problems. He has represented thousands of individuals and families in bankruptcy.
Robert practices law in Broward, Miami-Dade and Palm Beach counties, advising consumers and attorneys throughout Florida.
Speaking to our law firm is always 100% confidential. We do our best to respond to inquiries in under 24 hours.
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