For Recent Grads and Borrowers in Good Standing Comprehensive and personalized analysis of student loan portfolio to determine eligibility for consolidation, income-sensitive repayment, loan cancellation, and loan forgiveness Assistance in the completion of forms and applications for consolidation and repayment plan selection On-call availability for troubleshooting bureaucratic problems related to federal loan servicing For Borrowers Falling Behind on Payments Comprehensive and personalized analysis of student loan portfolio to determine options for reducing monthly payments under federal law Advice for repayment management and loan prioritization Assistance in the completion of forms and applications for consolidation, deferment, and forbearance Direct representation for communications with lenders or servicers Negotiations for modification of terms for private student loans For Borrowers in Default or Collections Detailed, personalized analysis of legal options for bringing loans out of default, with recommendations for a strategy moving forward Direct representation in communications with collections agencies so you no longer have to deal with them Protection from harassing, abusive and unfair conduct by debt collectors Settlement negotiations Credit report clean-up Repayment plan negotiations Prevention or elimination of wage garnishment orders Prevention or elimination of tax refund intercepts Analysis of loan cancellation options and assistance with the cancellation/discharge process