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for straight
talk about
debt relief.
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Most recent editors: Daniel Freund, Wikild BStaff 5
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Student Loans

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Subject to deferremnt and discharge as provided below. Extraordinary collection remedies, including income tax intercept, administrative wage garnishment, and no statute of limitations.


Not subject to deferrment and discharge as provided below. Enforceable through normal judicial process and subject to statute of limitations.


Deferment and forbearance



Practice pointers

Determine whether the loan is a federal loan. Use the National Student Load Data System to determine your client's federal (not private) student loans.

Avoid default. Encourage your clients to take a pro-active approach to student loan debt. Once a debt is in default then forbearance is not an option and a federal loan creditor may add a collection charge that may be as high as 25% of the balance due.

Further Reading

Topic revision: r12 - 22 May 2015, DanielFreund
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