Boston Student Loan Lawyer

If you’ve got student loans, chances are at some point during the repayment period you’re going to have difficulty making your payments. Given today’s still-sluggish economy, you may have trouble making your payments shortly after you graduate from college or grad school. Don’t panic– you may have options. The worst thing you can do is do nothing. If you don’t make your payments, your loans can become delinquent or even defaulted. That has serious consequences (which I’ll be discussing in a subsequent post).

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It’s May. It’s Spring. The weather is warm. Summer is near. And millions of students are graduating from college and grad school. Most have at least some student loans. This is certainly an exciting time, but don’t let your student loan obligations surprise you in a few months. There are important things you need to know now so that you are prepared to manage your debt burden in the months ahead.

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Recent graduate? Or graduating this spring? 6 reasons why you should think about consolidating.

If you’re like me (and millions of other student loan borrowers), you got through school with a wide variety of different federal student loans. Stafford Loans. Perkins Loans. Subsidized Loans. Unsubsidized Loans. Grad PLUS loans. Maybe others. Managing the repayment of each of these loans can really turn into a full-time job, and if you accidentally start missing payments, you’re in trouble.

You may be eligible to combine all of those loans into a single federal consolidation loan. Here are some of the benefits.

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Adam S. Minsky’s article, “Student Loans and Bankruptcy” is featured on Boston Bankruptcy Answers:

In general, most student loans will not be dischargeable in bankruptcy. There are some limited (and important) exceptions to this general rule which I will not be discussing in this posting, but for many people who have student loans, bankruptcy may not be an option.

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