Student loan solutions and resources

Explore 13 solutions Student Loan Angel may evaluate and three additional educational resources, with limits and official sources.

13 solutions

Knight Law Group may evaluate these paths. An evaluation does not create representation; any legal service requires a separate written agreement.

Solution

Borrower Defense to Repayment

Borrower defense lets you apply for a discharge of federal loans when your school misled you or broke the law in a way that harmed you. Building the evidence file is what decides the case.

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Chapter 13 + Discharge Lawsuit

Combines a Chapter 13 repayment plan — to protect a home or catch up a mortgage — with the student loan discharge lawsuit once the plan is confirmed. Co-counsel files the 13 and the firm files the lawsuit. Attorney service, in California.

Official source

Solution

Chapter 13 Bankruptcy

Chapter 13 reorganizes your debts into a three-to-five-year repayment plan and can protect a home or catch up a mortgage. A co-counsel attorney handles the plan while the firm coordinates the student loan side. Available in California.

Official source

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Chapter 7 + Discharge Lawsuit

Combines Chapter 7 bankruptcy with the student loan discharge lawsuit in one plan: other debts are cleared first, then the undue-hardship lawsuit is filed. Attorney service, in California.

Official source

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Chapter 7 Bankruptcy

Chapter 7 wipes out unsecured debts — credit cards, medical bills, personal loans — within months. Student loans are not discharged automatically; that takes a separate lawsuit inside the case. Attorney service, available in California.

Official source

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Closed School Discharge

If your school closed while you were enrolled or shortly after you withdrew, you can apply to discharge the related federal loans. Enrollment, withdrawal, and closure dates are the key facts.

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Defaulted Loan Resolution

Getting out of default stops wage garnishment, tax refund offsets, and collections. The main routes are rehabilitation, consolidation, and in some cases bankruptcy; the choice depends on your situation.

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Federal Loan Consolidation

Consolidation combines several federal loans into one Direct Consolidation Loan. It can open the door to PSLF or certain IDR plans, but it can also reset payment counts, so the impact is reviewed before applying.

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Income-Driven Repayment Plans (IDR)

Income-driven repayment plans set the monthly payment based on your income and family size, and can forgive the remaining balance at the end of the plan period. Picking the right plan and recertifying on time prevents surprises.

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Solution

Loan Servicer Dispute

When the loan servicer makes a mistake — misapplied payments, wrong counts, loans that are not yours — there is a formal dispute process with escalation to the federal Ombudsman and the CFPB. Documenting the error is the first step.

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Public Service Loan Forgiveness (PSLF)

PSLF can cancel the remaining balance on Direct Loans after 120 counting payments while working full time for a government or nonprofit employer. Certifying employment and auditing the payment count is the core of the work.

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Total and Permanent Disability Discharge

A total and permanent disability (TPD) discharge can remove certain federal loans when a long-term condition prevents work. There are three documentation routes: Social Security, Veterans Affairs, or a physician's certification.

Official source

Additional educational resources

These pages explain official options but are not presented as current Student Loan Angel services.

Educational resource

Teacher Loan Forgiveness

Teacher Loan Forgiveness may forgive part of certain federal loans for teachers who complete qualifying service in low-income schools or educational agencies.

Official source