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Student Loan Attorney NJ

September 7, 2018

You're looking for legal advice from a student loan attorney in New Jersey. Let me help. I'm an attorney specializing in student loans. I help negotiate private student loan settlements, stop garnishments, deal with NJClass loans, and get student loans out of default.

Hey, I’m Tate. I’m a student loan lawyer and I help people throughout New Jersey  with their student loan debt even though I’m here in St Louis and you live in Newark, Jersey City, Trenton, Cambden, or Wildwood.

And that’s true no matter what student loan issue you’re facing.

Garnishments. Defaulted student loans. Private student loan settlements.

I can help with all of those things. As far as attorneys specializing in student loans go, I’m pretty good — at least that’s what my clients say about me on Google.

attorney specializing in student loans NJ

You can get my help with federal student loans

Let me guess:

You got a letter in the mail. It said that your federal student loans are in default and that your wages will be garnished. Or maybe it said your tax refund will be offset for student loans. Or, worse, maybe it said you’ve defaulted on your private student loan and they’re threatening to sue unless you make a large payment.

student loan lawyer nj

If any one of those is true, don’t worry. You’re not alone.

Last year, there was over $5.8 billion dollars in first-time federal student loan defaults.

I can help get you of student loan default, stop a wage garnishment, and stop your refund from being taken. But only if you move quickly. I can also help:

  • Choose the right income based repayment plan;
  • Lower monthly payments;
  • Consolidate student loans; and
  • Settle federal student loans (but only if they’re in default)

Finally, I can ensure you’re student debt is eligible for student loan forgiveness programs like the Public Service Loan Forgiveness program and income based forgiveness.

You can get student loan help for NJ Class loans

NC Class loans aren’t like federal student loans. It’s a loan made by New Jersey’s Higher Education Student Assistance Authority (HESAA).

One major difference between a federal student loan and a class loan is forgiveness at death. HESAA doesn’t offer NJ Class loan forgiveness when you die and you have a cosigner. The debt remains owed. That means your parents could still be forced to repay the loan even though you predeceased them. 😬 Basically, New Jersey’s Student Loan Program is ‘State-Sanctioned Loan-Sharking.’

Until recently, another major difference was the lack of income-driven repayment options. But as of this April, that appears to be changing. New Jersey Senators Sandra Cunningham, Robert Gordon, and Robert Singer sponsored bill S-766 to:

  • limit your monthly payment to no more than 10% of your discretionary income; and
  • forgive your remaining debt after 20 years of repayment.

This is like the Revised Pay As You Earn plan.

As of April 5, 2018, the bill was referred to New Jersey’s Senate Budget and Appropriations Committee who voted 5 to 0 in favor of passing the bill. HESAA now has 2 repayment income based repayment options:

  1. The Repayment Assistance Program (RAP); and
  2. The Household Income Affordable Repayment Plan(HIARP).

Feel free to text me if you need help with choosing the best repayment option:

You can get my legal advice with some private student loan issues

With private student loans, I can help:

  • Negotiate settlements;
  • Negotiate lower monthly payments;
  • Remove default status;
  • Remove cosigners; and
  • Evaluate refinance and consolidation options.

Having said that…

I cannot help with a private student lawsuit in New Jersey

So you know, I am a licensed student loan lawyer. But I have yet to get permission from a court in NJ to handle lawsuits.

student loan attorney nj

So if you’re being sued for a student loan in a New Jersey state court, consider hiring a student loan attorney located in your state.

How to hire me

If you think you may want to work with me, get in contact with me by calling me at 314-884-1886.

You can also email me at tate@tateesq.com.

Or if you want, you can…

Frequently asked questions

How much does student loan lawyer help cost

For most student loan debt issues, the fee is usually around $1500 to $2 thousand dollars. Some student loan problems, however, cost more.

You can review all of my fees on the services page.

Do you offer payment plans

Yes.

Do you have an office in New Jersey

Nope. Not yet.

How will we meet

We’ll meet either via video chat or over the phone.

Your choice.

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