Student Debt Attorneys in Baltimore County & Columbia MD

Looking for a student loan lawyer in Baltimore County or Columbia, MD? It can be a challenge, but we’ve got you covered. Here’s what you’ll find online:

• Many attorneys claim to offer student loan assistance, but most are bankruptcy lawyers focusing on Chapter 7 and Chapter 13 bankruptcy cases.

• They can defend against private student loan lender lawsuits but often lack experience in negotiating settlements with lenders like Navient, National Collegiate Student Loan Trust, and Citizens Bank.

The reality? There aren’t many lawyers in Baltimore or Columbia, Maryland, or nationwide with the expertise to tackle complex student loan problems. Even fewer stay updated on student debt relief changes from the White House.

But don’t worry, we’ve identified the top five student loan attorneys in Baltimore County and Columbia, MD, and beyond.

Struggling with student loans? Let’s chat! Reach out to me to explore your options. In a few minutes, you’ll gain a clearer understanding of the steps you can take to improve your situation.

I recommend a handful of attorneys based on my knowledge of their experience specific to student loan problems.

Full disclosure, I recommend myself first. Why? I’ve fought student loan servicers my whole career. I know the Education Department’s repayment and forgiveness programs like the back of my hand. I’ve negotiated hundreds of student loan settlements with all sorts of private lenders and debt collectors. And I’ve probably filed more successful student loan undue hardship cases in bankruptcy than any other attorney in the nation.

If you’re set on working with an attorney or law firm close by, then the other attorneys listed below may be able to help:

• Stanley Tate – office in Rockville.

• Michael Coyle – law offices in Rockville and Columbia.

• Peter Holland – office in Annapolis.

• William Grafton – office in Towson.

• Tim Mummert – office in Glen Burnie.

If you can’t score a free consultation with an attorney, try contacting Maryland Legal Aid. They may be able to help you stop wage garnishment, protect your bank account from a lien, and put a stop to harassment from a debt collection agency.

Another option is to contact The Institute of Student Loan Advisors. TISLA offers student loan borrowers free, neutral, and accurate resources and mentoring to ensure they can successfully manage their debt.

You can also contact a local law school to see if they offer free or low-cost legal assistance.

Learn More:

• How Much Does a Student Loan Lawyer Cost?

• Can a Lawyer Negotiate Student Loan Debt

A student loan lawyer evaluates your federal and private loans and then provides legal advice to help resolve the issue you’re facing. They can help you:

Qualify for forgiveness. Since President Biden took office, the Department of Education has eliminated over $25 billion in student loan debt by improving existing student loan forgiveness programs. For example, it erased the debt of thousands of full-time government and nonprofit employees locked out of the Public Service Loan Forgiveness program because they had the wrong type of loan. The department also recently promised to give millions of borrowers credit towards income-driven repayment plan forgiveness, regardless of whether they were ever enrolled in an IDR plan or made any payments because their loans were in deferment or forbearance for years. Read more about how to apply for student loan forgiveness and the PSLF Program.

Get out of student loan default. Federal student loan borrowers can use consolidation or loan rehabilitation to return their loans to good standing. The right choice for you depends on your financial goals, whether you have an active wage garnishment or are trying to buy a home and need to clear CAIVRS to get a federally-backed mortgage. Read more about what happens if you default on student loans.

Negotiate a settlement. It’s possible to settle federal and private student loans once you fall behind on payments and default. A lawyer experienced in working with student loan servicers and debt collectors can help you negotiate a lump-sum settlement that saves you thousands of dollars and avoid paying taxes on settled debt. Read more about how a lawyer can negotiate student loan debt.

Lower monthly payments. The Education Department offers several student loan repayment options, like income-based repayment, that help gives borrowers affordable monthly payments. But the eligibility requirements for the plans can be confusing, especially if you’re married, retired, self-employed, or are worried about qualifying for loan forgiveness. Read more income-driven repayment plans and the IDR account adjustment.

Defending a student loan lawsuit. Private student loan lenders regularly sue the borrower and cosigner in state court to recover money owed for defaulted student loans.

Besides those things, some student loan attorneys can even help you get rid of your loans in bankruptcy by proving undue hardship. Read more about bankruptcy and student loans.

Learn More: How to Get Rid of Student Loan Debt

If you’re looking for help with your loans or managing your student loan payments, consider contacting one of the student debt attorneys near Baltimore County above — or schedule a call with me.

UP NEXT: Student Loan Bankruptcy Lawyer: What You Need to Know