You Have Options!

Contact attorney D.J. Rausa and find out the best route to your student loan debt relief.

(619) 295-3322

Other Options

Sometimes student loan debt can be reduced or discharged through bankruptcy.

Other Options

For Student Loan Debt Relief

There is a common misperception that once you take out a student loan, you are obligated to pay it all back no matter what. This is not entirely true. While some student loan debt may not be discharged through bankruptcy, The Law Offices of D.J. Rausa may have ideas to help you reduce or discharge your debt.

However, it is important to note that the process of discharging student loan debt differs from the process of discharging other types of debt and will require a detailed analysis of the type of student loan as well as the history of the loans.

Student loan debts are not automatically discharged through Chapter 7 bankruptcy. The Chapter 13 bankruptcy process can be used to restructure your student loans into a more manageable monthly payment. We offer comprehensive Chapter 13 bankruptcy solutions to help you set up a payment plan to pay down your debt, including your student loans.

A Chapter 13 repayment plan can last for as long as five years. We will develop a feasible plan for you so some percentage of all your debt is paid. During the pendency of your case, you will be protected from any and all collection activity — including the IRS and any student loan collection agencies or servicers.

Discharging Student Loans: Proving Undue Hardship

Sometimes student loans can be forgiven when the borrower is shown to have endured “undue hardship,” such as:

  • Disability preventing your ability to work
  • Fixed income with no possibility of a salary increase
  • Family issues preventing you from earning a living
  • Totality of your financial circumstances

We are prepared to address all your questions regarding undue hardship.

Find out more about these related topics:

  • Student loan litigation
  • Struggling to pay student loans?

Contact us by e-mail or call toll free at (619)295-3322 to see if you qualify for the hardship exception, or if reorganizing your payment plan is a better option. A free initial consultation is available with an experienced San Diego student loan debt relief lawyer.

We are a debt relief agency. We can help you file for bankruptcy relief under the Bankruptcy Code if that is your best option.

  • Newsflash: Other Options for Student Loan Debt
Bankruptcy Chapter 13 and it's affect on Student Loans.
If your debts include student loans, you will quickly find that the bankruptcy laws won't assist unless you hop through hoop after hoop and show your current financial situation is not merely bad, but long-lasting.
Student Loan Court Cases challenge inclusion of Student Loans in dismissable debt.
An important factor that sets student loan debt apart from all other kinds of debt is that it’s just about impossible to rid yourself of it. Even borrowers who end up in such financial burdens that they file for bankruptcy struggle to get a fresh start void of their student loan debt.
In some cases, Federal student loans can be discharged if the school closes while you were attending.
If you obtained federal student loans to attend a school and it closed, you may be eligible for a 100% discharge of those loans.

You Have Options!

Contact attorney D.J. Rausa and find out the best route to your student loan debt relief.

(619) 295-3322

“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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