Student Loans

Find out more about dealing with student loan debt, deferment, forbearance, and repayment options in these articles from sources including Nolo Press and the National Consumer Law Center.

  • Best Student Loan Debt Websites 
    These websites will provide all the information you need to understand your rights, options, and obligations when it comes to student loans.
  • Direct Loan Consolidation
    Consolidation is similar to refinancing a loan. You can consolidate all, just some, or even just one of your student loans.
  • Economic Hardship Deferment (English) (Spanish)
    A deferment is a way to postpone paying back your student loans for a certain period of time. The economic hardship deferment is available only if you have a federal student loan.
  • Getting out of Default of Federal Student Loans 
    There are fewer, but still some, ways to set up a new repayment plan after you have defaulted on your loan. If you are able to get out of default through rehabilitating or consolidating your loans, you will once again be eligible for the more flexible pre-default repayment options as well as deferments. 
  • Public Service Loan Forgiveness 
    There are a number of loan forgiveness and cancellation programs for borrowers working in public service and helping professions. Perkins borrowers have the most options available, but other federal borrowers can also receive considerable relief.
  • Student Loans & Bankruptcy 
    Student loans are difficult, but not impossible, to discharge in bankruptcy. To do so, you must show that payment of the debt "will impose an undue hardship on you and your dependents."
  • Student Loan Borrower Assistance Project  
    This is a resource for borrowers, their families, and advocates representing student loan borrowers. This site is for people who already have student loans and want to know more about their options and rights.
  • Total and Permanent Disability Discharge Self-Help Packet (English) (Spanish)
    You can cancel your federal student loans based on a permanent and total disability. All federal loan borrowers are eligible for this discharge. 
  • Unemployment Deferrment Self-Help Packet (English) (Spanish) 
    A deferment is a way to postpone paying back your student loans for a certain period of time.

Public Counsel is not affiliated with the National Consumer Law Center or Nolo Press, nor do we endorse any products of these organizations. We are not responsible for the content. We provide it because it is free information that may be useful. It is not legal advice. If you need specific legal advice on your situation, you should consult an attorney.