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Student Loan DISCHARGE

Student loans are financial obligations taken on by students to fund higher education expenses. Understanding the complexities of student loans is essential for managing repayment and navigating potential challenges. At Shield Law Group, APLC, based in Los Angeles, we provide expertise in guiding clients through the intricacies of student loan issues to achieve financial stability.

What You Need To Know About Student Loan DISCHARGE


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Federal student loans can be discharged under several conditions such as total and permanent disability, death of the borrower, or if the school closes while the borrower is enrolled. Additionally, borrowers may qualify for Public Service Loan Forgiveness after making 120 qualifying payments while working for a qualifying employer.

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California’s Student Borrower Bill of Rights and the Student Loan Servicing Act provide strong protections for borrowers, ensuring loan servicers are licensed and regulated. These laws prevent servicers from misleading borrowers and mandate the provision of accurate information about repayment options.

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For student loan discharge, gathering necessary documentation such as proof of disability or evidence of school misconduct is crucial. Consulting a lawyer specializing in student loans can assist with complex cases, especially those involving borrower defense claims or bankruptcy proceedings.

Frequently Asked Questions


Student Loans



Can private student loans be discharged through bankruptcy in California?

Discharging private student loans through bankruptcy in California is challenging and requires proving “undue hardship” through an adversary proceeding. This involves demonstrating that repaying the loan would impose a severe financial burden on the borrower and their dependents, making it extremely difficult to maintain a minimal standard of living.

What is the process for applying for a Borrower Defense to Repayment discharge in California?

To apply for a Borrower Defense to Repayment discharge in California, borrowers must submit a claim to the U.S. Department of Education, providing evidence that their school misled them or engaged in other misconduct related to their loans or educational services. This process involves detailing the school’s deceptive practices and how they directly impacted the borrower’s decision to take out the loans.

How can a borrower seek legal assistance for student loan discharge in California?

To seek legal assistance for student loan discharge, borrowers should consult a lawyer who specializes in student loan issues. The lawyer can help gather necessary documentation, such as proof of disability or evidence of school misconduct, and assist with complex cases involving borrower defense claims or bankruptcy proceedings. Additionally, consumer advocacy organizations in California can provide guidance and support.

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