• Student LoanDebt Resolution Options

    Student Loan
    Debt Resolution Options

    Have you left college with thousands of dollars in student loan debt obligations? A responsible solution may be available for you.

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  • Escape the Burden of Student Loan Debt

    Escape the Burden of Student Loan Debt

    Do you feel crippled by student loan debt — incurred recently or some time ago? You’re not alone — and you do have options.

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Student Loan Debt Resolution

Finding a Path to Freedom from Debt
Student loan debt has become a major financial burden for an entire generation. The circumstances vary from individual to individual, but the common result is a feeling of insurmountable debt and the despair and hopelessness that goes along with it. Let me help you to understand your options and set you on a path to Student Loan Debt Resolution and financial freedom.
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Student Loan Debt Dilemma

Millennials' Burden
In the United States, Student Loan Debt has become the Millennials' burden. Surveys show that millennials visit bank branches less, value online banking more and carry higher levels of debt than prior generations—but not bank debt. Millennials carry more debt because they have seen education costs rise sharply and have overwhelmingly turned to student loans issued by the federal government to cover these costs.

Research by Harvard’s Joint Center for Housing Studies confirms this, showing that for households aged 20-39, the incidence of student loan debt rose from 16 percent in 1989 to 39 percent in 2013. Measured in constant dollars, there has been a drastic increase in student loan debt burdens of $50,000 or more, quadrupling from 4 percent in 1989 to 17 percent in 2013. With student loan debt having swelled to over $1.2 trillion in the United States, it has become the largest form of consumer debt held by American households.

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Department of Education is cancelling Federal Student Loan Income Based Repayement plans in bankruptcy cases.

Student Loan Debt Alert

What’s the Department of Education Up To?

If you have a Federal Student Loan, you need to stay abreast of actions being taken by the U.S. Department of Education that can affect you — positively or negatively. Learn about what’s happening right now in our latest new story about the Department of Education.

  • Newsflash:
Public Service Loan Forgiveness (PSLF) program gets a boost in the new federal budget signed by President Trump.
If you thought you were out of luck to qualify for the Public Service Loan Forgiveness (PSLF) program because you were enrolled in graduated or extended repayment plans — Congress recently did you a favor.
  • Newsflash:
New assistance for disabled veterans with their federal student loans.
Recent news from the U.S. Departments of Education (DOE) is long overdue — it has partnered with the Department of Veterans Affairs to make it easier for disabled veterans to have their federal student loans discharged.

“The starting point on all student loan debt resolution plans is to obtain the Student Loan Report from the US Department of Education. This report is vital to answering any student loan question. I do not even comment on a client’s situation without having first reviewed this report.”
Here's how to obtain your NSLDS report.
D.J. Rausa, Esq., Student Loan Attorney

D.J. Rausa on Avvo, the premier on line Lawyer Directory and Review Service.
Avvo has rated D.J. Rausa at 9.1 out of 10 — a superb level of performance. Clients, too, have consistently rate D.J.’s performance as 5-star.
D.J. Rausa has many 5-Star review on Yelp, the popular on line business and service review source.
"Attorney D.J. Rausa was great from the first consultation to the end! He explained everything very clearly so we knew exactly what to expect, was always accessible for questions and has a great response time. He helped me consolidate my student loans into a lower payment and helped my spouse get approximately $80k in private and federal student loans discharged! I would highly recommend calling him!"

California Student Loan Attorney

California Student Loan Lawyer D.J. Rausa

California Attorney D.J. Rausa has been an aggressive debt solution advocate for his clients in San Diego since 1993. He now specializes in Student Loan Debt Resolution and defence, and is nationally recognized as an expert in this developing area of Student Loan Law.

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