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Student loans can be confusing and overwhelming, but the resources below offer legitimate student loan help.
Some of these services are free; others, like credit counselors and legal advice, generally cost money. Personalized help may be worth paying for if your situation is complex — and the provider is reputable.
Legit student loan help organizations won't call, text or email borrowers with offers of debt resolution. Avoid “debt relief” companies that promise immediate student loan forgiveness. If it sounds too good to be true, it usually is.
Here are some best practices for finding legit student loan assistance.
Start with your student loan servicer
The federal government and many private lenders assign each borrower a student loan servicer. Your servicer should be your first point of contact for student loan help. You can find your federal student loan servicer by logging into your My Federal Student Aid account. For private loans, ask the original lender whom to contact for billing or repayment inquiries.
Your servicer can help you:
Lower student loan payments through income-driven repayment. These plans cut payments to a percentage of your income; if you have no income, you’ll pay $0 per month. After 20 or 25 years of payments, you’ll receive forgiveness on the remaining balance. These plans are free to apply for on studentaid.gov.
Pay less temporarily, by requesting a deferment or forbearance instead. You must qualify for a deferment — for example, by being unemployed — but your servicer can grant forbearance at its discretion.
Pursue debt cancellation or forgiveness programs you might qualify for such as:
Public Service Loan Forgiveness for making payments on an income-driven repayment plan while working full-time for a qualifying public service employer over 10 years.
Borrower defense to repayment if your school defrauded you.
Closed school discharge if your school closed while you were enrolled (or soon thereafter).
Total and permanent disability discharge if you're unable to work due to a total and permanent disability.
While servicers should be able to answer all your questions, many borrowers complain about receiving inaccurate or incomplete information. Do your own research on the Federal Student Aid website, and ask to speak to a call center supervisor if something doesn't sound right.
Find nonprofit student loan assistance
Nervous about contacting your lender, or looking for additional student loan help? You can get a personalized plan of action from a nonprofit credit counselor or a nonprofit organization that advises on student loans.
General credit counseling — to discuss simple budgeting techniques, for instance — is often free. Fees for student loan-specific counseling vary by agency, but you’ll likely pay $50 for an initial session that will provide you with a personalized repayment plan. For $250, or sometimes more, a student loan counselor will offer more intensive help as you carry out the plan. Search for a counselor trained by a respected organization such as the National Foundation for Credit Counseling.
You could also pay to work with a traditional financial planner. Look for one who is a Certified Student Loan Professional to help ensure they understand all the ins and outs of student loans.
Here are some vetted student loan help resources to consider for information, advice or both; they are established organizations with verified histories:
Student loan help resource
Advice on repayment plans, forgiveness programs and dispute resolution.
Comprehensive information on options for student loan borrowers.
Advocacy on behalf of all borrowers to influence policy.
Complete financial review for struggling borrowers, which can include advice on student loan options and plans for dealing with other debt.
Advice on repayment plans, help with paperwork and budget counseling.
Information for student loan borrowers and an attorney directory.
Many of these organizations offer advice for free. In some cases, you may need to pay a fee, as with a certified nonprofit credit counseling agency or if you hire an attorney.
Consider your legal options
Unpaid federal student loans go into default after nine months; the timeline is shorter for private loans. Default damages your credit and will stay on your credit report for seven years — and you'll still owe the loan.
The government provides clear paths to recovery through student loan rehabilitation in the event of student loan default, and your servicer can help you determine the best one for you. If your loans were in default before the pandemic, you can also take advantage for the temporary Fresh Start program to get them back into good standing and repair your credit score.
But private loan default can get especially messy. If you’re sued by a private lender to collect the debt, consider searching the National Association of Consumer Advocates for a student loan lawyer to plan out your defense or help with a student loan settlement.
An experienced bankruptcy lawyer can also help you determine whether filing for Chapter 7 or Chapter 13 bankruptcy will dissolve your student loan debt or change its repayment terms. While this is difficult to do, it’s not impossible.
Avoid the student loan scammers
As you search for student loan help, beware for-profit, debt-relief companies that offer to consolidate your loans, enroll you in income-driven repayment or get you forgiveness — for a fee.
It's not illegal for companies to charge for services such as consolidation or enrollment in a payment plan, but those are steps you can do yourself for free. And some may take your money without doing what they've promised or charge you for extra services, like ongoing analysis of your credit.
» MORE: How to spot a student loan scam
Lodge a student loan complaint
If you're dissatisfied with the help you've received from your lender or servicer or you think you've been defrauded, here are the steps to take to make a complaint:
Contact the lender or servicer’s highest office of customer service, whether that’s a consumer advocate, ombudsman or claims department.
Reach out to your state attorney general’s office, state consumer protection office and congressional representative.
As a last resort, consider changing your lender or servicer. You can refinance private and federal loans with a private lender. And federal borrowers can pick a new servicer after consolidating with the government.