Student loans are a huge problem for an inordinate number of American citizens. The payments overwhelm modest budgets, and often recent graduates are forced into taking certain professional positions out of necessity--not out of desire. If you are struggling to pay student loans, you do have some options when it comes to repayment.
Cancellation
Getting student loans canceled is quite difficult. Student loans are one of the only types of debt that are not forgiven or canceled as a result of a bankruptcy. Total cancellation can be available to someone who suffers a total and permanent disability, but the process to obtain cancellation is time-consuming and not always successful.
LSC
The LSC, or Legal Services Corporation, is a government-subsidized legal advice and counseling center. The main purpose of the LSC is to give underprivileged, socio-economically disadvantaged, and marginalized populations in America access to the judicial system. This service can help with defaulted student loans and loans in repayment.
Lawhelp.org
This website is a non-profit legal counseling service dedicated to similar principles as described above. With huge swaths of the American public unable to assist themselves in matters of civil rights and debt harassment, Lawhelp.org is one of the organizations working to eradicate aggressive loan collectors.
National Association of Consumer Advocates
The NACA group provides non-profit assistance to consumers faced with all types of consumer law concerns--not simply student loans. This group will offer assistance for private student loans, however, especially those which are unfairly priced. The NACA group is available to all citizens.
National Association of Consumer Bankruptcy Attorneys
Most student loan troubles arise from bankruptcy--specifically when borrowers realize their student loans will not be discharged. The NACBA offers legal advice and services to consumers affected by consumer law. This includes settling debts after a bankruptcy and learning to restructure student loan debt.
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