Call Today! 609-971-6200
The Law Office of Joseph Albanese
Ocean County Debt Relief Bankruptcy And Foreclosure Law Firm

You Have Your Degree, But Now Is The Hard Part

Many people believe that the path to success is through college. For many of us, the only way to afford the high costs of tuition and housing is to take out student loans. Once you graduate, however, that student debt might become overwhelming. The college experience that was supposed to liberate you, now has become a severe burden.

At the Law Office of Joseph Albanese, we understand the student loan issues facing those in New Jersey today. If you are facing insurmountable debt caused by student loans, bankruptcy may not be the answer. When you visit our office in Forked River, we explore all of the debt relief options with you personally, and pursue the path forward that gives you the best chances for a fresh financial start.

We Can Help You Find Student Loan Relief

In general, student loans cannot be discharged in bankruptcy. But that doesn't mean that all hope is lost.

Every case is unique - and that is why there is no substitute for individualized, personalized advice from an attorney. In many cases, help is available, even if bankruptcy does not provide an answer.

In some cases, it is possible to obtain a temporary deferment of the student loan. In other cases, it may be possible to reorganize your payments in a Chapter 13 bankruptcy. In other cases, chapter 13 might allow you to reduce your monthly payments temporarily, to give you "breathing room" while you are looking for a long-term solution. We stress that every situation is unique. That is why we do not lump all of our clients "into the same pot".

The Federal Government has a new program - the William D. Ford Student Loan Program - that provides some relief for certain student loans in some circumstances. We help you explore whether you are eligible for relief under this program.

Let us explore whatever options may be available to help you relieve the pressure caused by excessive student loan debts.

Call us today at 609-971-6200 to discuss your options, or send us an email to schedule a consultation.

We are proud to disclose under 11 U.S.C. § 528(a)(3), that we are a debt relief agency. We help people file for relief under the bankruptcy code.

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