3 Best Student Loan Lawyers in Alabama for Forgiveness, Settlement, Repayment Help & More

• Alabama has reputable attorneys who focus on federal repayment plans, student loan forgiveness, and private loan disputes.

• If you are struggling with inaccurate billing or unfair servicer practices, you can receive legal advice to resolve these issues.

• Many student loan challenges can be resolved remotely. You don’t always need a local attorney to handle issues like consolidations, wage garnishments, or forgiveness.

Searching for Alabama student loan attorneys? Here’s a straightforward breakdown to help you find the right support.

• You’ll find two local attorneys who focus on federal and private student loan problems.

• Our firm works with borrowers across Alabama and throughout the U.S.

• We specialize in issues like wage garnishment, student loan forgiveness, and repayment plans.

• Borrowers trust us because of our experience and ability to handle complex student loan challenges.

Whether you choose a local lawyer or a nationally trusted firm, this guide will help you take the next step toward resolving your loans.

Related: How Much Does a Student Loan Lawyer Cost?

Managing your student loan debt can feel overwhelming, but the right attorney can make a difference. Below, we’ve highlighted three top-rated options in Alabama that specialize in resolving student loan challenges, such as bankruptcy and debt resolution.

Our firm stands out for its nationwide focus on student loan solutions. Use this list to find the best attorney for your needs.

1. Tate Esq, LLC

• Specialty: A national law firm focused exclusively on private and federal student loan law. We’ve developed proven strategies for loan forgiveness, cancellation, settlements, and even bankruptcy discharge, helping borrowers reduce millions in student loan debt over the last decade.

• Why Choose Us: We don’t just dabble in student loans—we live and breathe them. Our lead attorney, Stanley Tate, is a recognized expert who has trained other lawyers in student loan law. We combine a deep understanding of the rules with real-world experience, helping borrowers qualify for forgiveness programs, negotiate settlements, stop wage garnishments, and determine when bankruptcy makes sense. This practical expertise comes from successfully resolving thousands of student loan cases.

• Ideal For: Borrowers facing any student loan issue, including qualifying for forgiveness programs, stopping wage garnishment, negotiating private loan settlements, or exploring bankruptcy options. If traditional solutions haven’t worked, we specialize in finding permanent fixes.

• Contact: Visit tateesq.com/book-a-call or call 314-884-1886.

2. Eric Wilson Law, LLC

• Specialty: Assisting borrowers with student loan and tax debt relief, including guidance on filing bankruptcy options tailored to individual financial situations. The law office also focuses on providing personalized strategies across its practice areas.

• Why Choose Them: With years of experience, attorney Eric Wilson helps clients tackle student loan debt through bankruptcy and other legal strategies. His law office delivers tailored solutions designed to alleviate financial stress and provide a path toward stability.

• Ideal For: Borrowers overwhelmed by student loan and tax debt who are considering filing bankruptcy or seeking other legal services to regain financial control.

• Contact: Visit ericwilsonlaw.com or call 205-349-1280.

3. Greenway Bankruptcy Law, LLC

• Specialty: Providing legal support for student loan debt through Chapter 7 and Chapter 13 bankruptcy filings, debt negotiation, consumer law assistance, and foreclosure defense. The law office offers comprehensive practice areas to address financial difficulties.

• Why Choose Them: Attorney Paula Greenway provides compassionate and individualized attention to every case. Her law office focuses on helping clients manage financial stress, stop creditor actions, and protect their assets.

• Ideal For: Borrowers considering filing bankruptcy or seeking relief from creditor harassment and financial stress related to student loans.

• Contact: Visit greenwaybankruptcy.com or call 205-324-4000.

Student loan attorneys in Alabama can help you resolve complex issues with federal and private loans. Here’s what they do:

Immediate Support for Urgent Needs

• Get Out of Default: If you’ve fallen behind, attorneys can stop wage garnishments, Social Security offsets, and tax refund seizures while guiding you through consolidation or rehabilitation. They’ll help you lock in the lowest student loan payment possible and protect your future loan benefits.

• Defend Against Lawsuits: Debt buyers often file flawed lawsuits against borrowers. Attorneys review these cases, identify legal defenses, and can negotiate dismissals or better settlements to save you money.

• Negotiate Private Loan Settlements: With interest rates climbing, many borrowers are struggling to keep up with private loan payments. Lawyers negotiate with lenders to settle loans for less than you owe, potentially saving you thousands of dollars.

Long-Term Planning and Relief

• Qualify for Forgiveness Programs: Programs like Public Service Loan Forgiveness and the one-time account adjustment that offers forgiveness credit for time in forbearance and deferment offer substantial relief, but meeting the eligibility requirements is complicated. Attorneys ensure you meet deadlines, submit accurate documentation, and stay eligible despite changing rules.

• Lower Monthly Payments: If you’re on an income-driven repayment plan, attorneys help you choose the best option and keep payments as low as possible while protecting your progress toward forgiveness.

• Discharge Loans in Bankruptcy: A bankruptcy attorney can guide you through the process of discharging loans by proving undue hardship. For private loans, they negotiate reductions of 20% to 60%, making repayment manageable with affordable terms.

With over ten years of experience focused only on student loans, we’ve helped borrowers across Alabama—from Huntsville to Birmingham, Montgomery, and Mobile—reduce private loan debt through settlements and legal proceedings.

Our expertise lies in unraveling the most complex consumer loan debt in the world: student loans.

• Settlements: We’ve negotiated with major lenders like Navient and Sallie Mae to achieve 35-60% balance reductions for most clients within six months.

• Bankruptcy Adversary Proceedings: We don’t handle full bankruptcy cases like Chapter 7 or Chapter 13 but step in as specialists for student loan-related legal challenges. Using our knowledge of the Brunner Test and other legal strategies, we’ve helped borrowers prove hardship and secure better outcomes.

Unlike general Alabama bankruptcy firms, we focus entirely on student loans.

We know how judges review hardship cases, which arguments work best, and how to counter lender tactics effectively.

If you’re looking for help with your federal or private student loans—or managing your monthly payments—consider contacting one of the Alabama student loan attorneys listed above.

Our firm offers online consultations via video, making it easy to connect with us no matter where you’re located. We don’t offer free consultations, but our paid sessions deliver clear, actionable strategies designed to address your specific needs.

Book a consultation with our team to learn how we can help you take control of your student loans.

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