Right Here: The Information You've Been Looking For About Your Student Loans in New Jersey

I've put together a great amount of information to help people struggling with student loans, and to enlighten those who fear that they will never be able to pay them off. Discover how you may be able to get an affordable repayment plan. See how to avoid the cascading and costly effects of defaulting on your loans.

Learn more by clicking on one of the articles below:

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New Jersey Doesn't CARE Enough! Beware HESAA's COVID Relief Plans for Your Student Loans! NJ is offering temporary relief for HESAA student loans. But it's only temporary and can make things worse! Discover how and what the best solution is for you!
A Deferment or Forbearance is Not the Answer to Your Student Loan Problems! Find the Solution that Will Make Your Situation Better, Not Worse! Lost your job or had a reduction in income? Worried about paying your student loans? Forbearance or Deferment could make things worse! Find out why!
Being Sued By HESAA? Find Out How You Can Make Matters Even Worse If You Do Nothing After Being Served! Been sued by HESAA for a defaulted CLASS student loan? Discover what you need to do after being served to make matters better instead of worse!
Filed Bankruptcy Years Ago But Couldn't Get Rid of Your Student Loans? Things Have Gotten Worse Since Then? Discover How You Can Still Go Back and Discharge Them! Struggling with student loans, but already filed bankruptcy? If things have gotten worse for you, find out how you can reopen your case to try for a discharge.
Don't Make This Number One Mistake on Your Federal Student Loans! Discover the biggest mistake you can make on your federal student loans and how you can avoid doing so!
If Your New Jersey Private Student Loan was Purchased by National Collegiate Student Loan Trust (NCT) and They Sued You, They Could Prevent You from Selling or Refinancing Your Home! Live in NJ? Have a private student loan with National Collegiate Trust? Did they sue you? Then they could prevent you from selling or refinancing your home!
Discover the Secret to Erasing a National Collegiate Student Loan Trust Judgment in New Jersey! Has National Collegiate Trust (NCT) gotten a NJ judgement against you for student loans? Then you need to know this secret to keep them from taking your money!
Tread Carefully! Refinancing a Federal Student Loan for a More Affordable or Convenient Payment Can Make Things Worse for You! Looking into refinancing your federal student loan to lower your payments? Find out why you should thing carefully before you do! You could make things worse!
At the End of the Day, Hiding from HESAA and Your NJ CLASS Student Loans Never Solved Your Repayment Problems! Ever! Hiding from HESAA because you can't afford the payments on your NJ CLASS student loans? Don't do it! Find out why ignoring the problem makes it worse!
Don't Get Trapped in the Wrong Repayment Plan for Your Federal Student Loans! Find Out the Pros and Cons of PAYE and REPAYE, and Know Which One is Right for You! Looking for the right income driven repayment plan for your federal student loan? Then find out the Pros and Cons of PAYE and REPAYE; are they right for you?
Are You Delinquent on Your Payments for Your NJ CLASS Student Loans from HESAA? Then You Need to Find Out How to Defer Those Payments to Avoid Default! Delinquent on your payments for your NJ CLASS student loans from HESAA? Then you need to find out here how to defer those payments to avoid default!
Making Payments on a Student Loan? The Interest Might Be Tax Deductible! Are you paying on a student loan? Did you know that the interest might be tax deductible? Then find out more here and maybe get a bigger refund this year!

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I hope you find my web site useful and informative, and that it answers your questions. However, you should know that this site's content is no substitute for a consultation with an attorney. Each person's case is different, and the pages on this site are designed specifically to provide general answers on New Jersey law and bankruptcy filings in New Jersey (and not for any matters outside New Jersey). For that reason, this site cannot serve as legal advice on your particular case, nor should you assume the existence of an attorney-client relationship either by reading its pages or contacting me initially by e-mail. I encourage you to contact me and schedule an appointment to come in. Let me give you a legal opinion based on your case that will help you specifically.