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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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!
Deferment or Forbearance Not a Solution to Your Student Loans 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!
What to Do if HESAA Sues You in NJ on a CLASS Student Loan 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!
Discharging Student Loans with Prior Bankruptcy Filing 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.
Biggest Mistake You Can Make on Your Federal Student Loans Discover the biggest mistake you can make on your federal student loans and how you can avoid doing so!
NCT Student Loans Judgment Stop Selling Refinancing NJ 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!
National Collegiate Trust Can't Collect NJ Student Loans 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!
How Refinancing a Federal Student Loan Can Make Things Worse 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!
Don't Hide from HESAA Get Solution to CLASS Loan Problem 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!
Repaying Federal Student Loans: Pros & Cons of PAYE & REPAYE 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?
Deferments and Forbearances for NJ Student Loans from HESAA 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!
Payments on Student Loans. 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.