Florida Student Loan Lawyers for Forgiveness, Settlement, Repayment Help & More

• Florida has skilled attorneys who specialize in handling federal repayment plans, student loan forgiveness, and disputes over private loans.

• Stanley Tate is a top-rated student loan debt attorney in Florida. He’s also known for training other lawyers, making him a leader in the field of student loan law.

• Many student loan issues—like consolidations, wage garnishments, and forgiveness applications—can be resolved without needing a local attorney.

If you’re in Orlando, Miami, Tampa, or any part of Florida—expert lawyers like Stanley Tate, Robert Stiberman, the Van Horn Law Group, and Kelley Kaplan & Eller can help you solve your student loan problems.

These attorneys can assist with:

• Stopping wage garnishments that are taking money from your paycheck.

• Applying for loan forgiveness programs to reduce or cancel your loan balance.

• Creating student loan repayment plans that fit your budget and make monthly payments easier.

At Tate Law, we work with borrowers nationwide, and many of our clients come from right here in the Sunshine State. Read this guide for full details on how student loan lawyers can help.

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Not all student loan issues are the same—and neither are lawyers. Some specialize in targeted problems, while others offer broader solutions. No matter your situation, these four top-rated Florida student loan attorneys can help you find the relief you need.

1. Tate Esq, LLC

Specialty: Focused exclusively on federal and private 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: Stanley Tate, our experienced attorney, has helped thousands of people with student loans. We know the rules inside and out and have real experience solving problems like qualifying for forgiveness, negotiating settlements, stopping wage garnishments, and deciding if bankruptcy is the right choice.

Ideal For: Borrowers facing student loan issues, 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. Stiberman Law

Specialty: Led by attorney Robert Stiberman, this firm focuses on helping people with student loan debt, including loan forgiveness, consolidation, and discharge options.

Why Choose Them: With over 20 years of experience, Robert Stiberman has helped thousands of clients successfully manage their student loans and find the best solutions.

Ideal For: Borrowers looking for tailored strategies to reduce or manage their student loan debt.

Contact: Visit stibermanlaw.com or call (954) 218-5056.

3. Van Horn Law Group

Specialty: This firm helps clients understand their repayment options and rights regarding student loans. They offer complete legal support for managing debt.

Why Choose Them: The Van Horn Law Group team works closely with clients, exploring all options to help them find practical and effective solutions for their student loan challenges.

Ideal For: Anyone who wants a supportive legal team to guide them through their student loan issues and find relief.

Contact: Visit vanhornlawgroup.com or call (561) 621-1360

4. Kelley Kaplan & Eller, PLLC

Specialty: Founded by Craig I. Kelley, this firm focuses on bankruptcy law and helps clients explore discharging student loans through adversary proceedings in bankruptcy cases.

Why Choose Them: Their bankruptcy attorneys stay up to date with recent changes in the bankruptcy code, making it easier for borrowers to consider student loan discharge as a real possibility.

Ideal For: Borrowers dealing with overwhelming student loan debt who are thinking about bankruptcy as a potential solution.

Contact: Visit kelleylawoffice.com or call (561) 264-6850.

Other firms may limit themselves to bankruptcy or basic debt solutions, but at Tate Law Firm, we go further. We provide help with all student loan matters—loan modification, settlements, forgiveness, and more.

A Florida student loan lawyer can help you resolve complex issues with federal and private loans. They provide expert guidance on wage garnishments, lawsuits, or if you’re planning for forgiveness

Here’s a breakdown of what they do:

Immediate Support for Urgent Needs

• Get Out of Default: Falling behind on your federal student loans can trigger wage garnishments, Social Security offsets, and even tax refund seizures by the Department of Education. Attorneys assist with options like loan rehabilitation and consolidation to help you exit default, secure the lowest possible payment, and safeguard access to loan forgiveness programs.

• Defend Against Lawsuits: If your student loan lenders are suing you, attorneys will examine the type of loan involved, develop legal defenses, and negotiate settlements or dismissals that can save you money and protect your financial future.

• Negotiate Private Loan Settlements: Private loan borrowers in Florida often face rising interest rates and unmanageable monthly payments. Attorneys negotiate directly with student loan servicers to settle your debt for less than you owe, potentially saving you thousands of dollars and relieving financial stress.

Long-Term Planning and Relief

• Qualify for Loan Forgiveness Programs: Programs like Public Service Loan Forgiveness and the Department of Education’s one-time account adjustment for periods in forbearance or deferment can erase a significant portion of your federal student loan debt. A skilled attorney ensures you meet program deadlines, comply with requirements, and avoid common pitfalls.

• Lower Monthly Payments: Federal student loans offer Income-Driven Repayment plans, which cap monthly payments based on your income. Attorneys help you choose the best plan, submit accurate paperwork, and stay on track toward loan forgiveness.

• Discharge Loans in Bankruptcy: It’s true that discharging student loans through bankruptcy is challenging, but it’s possible in cases of undue hardship. Attorneys can guide you through filing bankruptcy and presenting a strong case to prove repayment would prevent you from maintaining a minimal standard of living.

Having a student loan debt lawyer by your side can make the process so much easier. You won’t have to do all the heavy lifting or stress yourself out trying to figure things out on your own.

Get the legal advice you need and move forward with confidence.

Related: When to Hire a Student Loan Lawyer

We’ve worked with borrowers all over Florida—from Miami and Orlando to Tampa and Jacksonville—to reduce private student loan debt through settlements and special bankruptcy cases.

Our team has helped clients reduce their private loan balances by 35-60%, often in just six months, by negotiating with major lenders like Navient and Sallie Mae. Here’s how we do it:

• Personalized Plans: We create a strategy that fits your situation to get the best results.

• Rapid Resolution: Most settlements are finalized quickly, providing timely relief.

We don’t handle Chapter 7 or Chapter 13 bankruptcy cases, but we focus on student loan adversary proceedings. This process can help borrowers get their loans discharged by proving they’re causing undue hardship.

Here’s what we specialize in:

• Proving Your Case: We use the Brunner Test to show you’ve tried to repay your loans but can’t due to financial struggles.

• Clear Advocacy: We build strong arguments tailored to your unique situation.

Private student loans are one of the key areas in which we excel the most. We understand how challenging they can be, from high interest rates to inflexible payment plan terms. Rest assured, you’re in good hands with us.

Related

• How to Get Rid of Private Student Loans

• What Happens If You Can’t Pay Private Student Loans

The cost of a student loan lawyer in Florida depends on how complicated your situation is.

At our firm, we don’t offer free consultations because of the high demand for our services. But, we use flat-fee pricing, so you’ll always know what you’re paying upfront—no surprises.

Here’s a general idea of costs:

• Lower-Cost Services: Helping with federal loans, lowering student loan payments, recertifying income-driven plans, or exploring forgiveness options.

• Higher-Cost Services: More complex situations like negotiating private loan settlements or handling student loan bankruptcy cases.

If you’d like to know the exact cost of your case, call us. We’ll start evaluating your case and provide a straightforward cost of our service.

If you’re dealing with federal or private student loans—or need help lowering your monthly payments—reach out to one of the top Florida student loan attorneys mentioned above.

We offer online video consultations, so you can get expert advice anywhere in Florida. Our initial consultations aren’t free, but they come with clear, actionable strategies tailored to your needs.

Book a phone call with our team today to take the first step toward resolving your student loans.

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