The Sherpa Guide to Finding a Student Loan Attorney

Michael Lux Bankruptcy, Blog, Lower Payments, Student Loans 19 Comments

Finding representation in a student loan discharge case can be very difficult.  Getting rid of student loans requires a very specialized bankruptcy attorney, and there are not many attorneys who practice in this area.  However, if you follow the steps I have laid out below, you will be able to find someone to represent you in court.

Why Finding an Attorney is Difficult

If you are having trouble finding a student loan lawyer, do not lose hope.  Failing to find one does not necessarily mean you have a bad case.  It is hard to find a student loan lawyer because there are so few.

Discharge of student loans requires a bankruptcy attorney in most cases.  The problem is that most bankruptcy attorneys make money by filing as many bankruptcy cases as they can and by working as efficiently as possible.  This is because they usually do not bill by the hour, but instead bill at a flat rate per bankruptcy. Getting rid of student loans is much more complicated than a standard bankruptcy, so why would they want this extra work if they are not going to make any extra money?

There are two ways to get a lawyer to take your student loan case.  Choice One would be to pay a high hourly fee while they familiarize themselves with your case and student loan law.  If you are really struggling to pay off your student loans, this route likely will not work.  Choice Two would be to quickly convince them that you have a good case and that they can win with limited effort.  The following steps will explain how you can get your attorney on board.

Step Number One: Familiarize Yourself with Student Loan Bankruptcy Law

Don’t worry, you don’t need to be a legal scholar to get through this step, you just need to familiarize yourself with the basics of student loan discharge in bankruptcy.  First, you need to know that though difficult, it is possible to get rid of your student loans in court.  In most states, the requirement is to show an undue hardship.  We recently covered the bankruptcy laws in each state.

Step Number Two: Explain Your Undue Hardship

One of the most frequent mistakes I see people make when they are explaining a legal situation is that they skip over the important details and focus on details that don’t matter.  If you want to convince your attorney that your student loans cause an undue hardship, make sure you focus you thoughts on the things that matter.

Things that will probably matter:

  • Dependents you have to care for.  This could be kids or parents that you require your care.  Things like child support and other essential costs of care are important details.
  • Your income earning potential.  If you are disabled, or otherwise not able to work jobs in your field, it is important to show why.  A long history of trying to find better paying work is very helpful.  No court, and therefore no potential attorney, will assist someone who could be making student loan payments if they took a job in their field.  In other words, don’t be these guys.

That is likely the end of what matters.  In court you will have to show that you can only make X dollars, and that you need X dollars for things like food for your kids.

Things that don’t matter:

  • You think you got screwed over by your school.  This won’t matter to a bankruptcy court or attorney when it comes to discharging your loans. You may have a case, but that is a different matter, for a different attorney and a different court.  Whether or not they promised you a job when you graduated has nothing to do with whether or not your debt presents and undue hardship.
  • Your lender calls you all the time and you don’t like it.  Multiple calls from Sallie Mae everyday is not fun.  Calling your friends and neighbors is not cool.  Their unwillingness to work with you can be very frustrating.  However, this only has little value to proving an undue hardship.  Your lawyer is not your therapist.  The only thing that needs to be discussed on this front is that you have tried repeatedly to work with your lender, and they refuse to do anything to help accommodate your financial situation.

To be clear, your lawyer could use these stories and experiences when they are making your case.  They may even be a separate lawsuit.  However, when you are trying to convince someone to take your student debt discharge case, start with the important facts to that case.  The rest comes later.

Step Number Three: Show That the Law is on Your Side

As I mentioned at the beginning of this article, many bankruptcy attorneys charge by the case and not by the hour.  Legal research can be both expensive and time consuming.  If you can find cases, ideally in your circuit, you can save your attorney some time and convince him or her that you have a winnable case.

Recently, the Get Out of Debt Guy, put together a detailed analysis of the surprising success rate of student loan discharges.  Conveying this information to a potential attorney could really help your cause.  If you take the time to read through the cases, you may even be able to find someone similar to you who was successful in getting their debt discharged.

Step Number Four: Have Realistic Expectations

For many attorneys time is money.  You will likely be asking them to step outside of their typical area of practice.  Most bankruptcy attorneys stick to their niche and don’t stray into other types of cases.  When you discuss what you are looking for, be sure to get to the point: you think you have a winnable student loan case and would like their expert guidance in the matter (it never hurts to stroke someones ego when you are asking for help).

Discharging student loans is more difficult than any other type of debt in a bankruptcy.  You can reasonably expect that such a service will likely cost more than a standard bankruptcy proceeding.  You can also expect that it might be difficult finding the right attorney.  However, if you do your homework, you can find the right attorney, and you can take control of your financial future.

  • Very good guide, definitely helpful for student. With regards to #3 a due diligence can help in any case to understand the facts and analyze your own case better.

    • I agree Sam. Understanding your own case is important for any case, especially when it is something rather unique like a student loan case.

  • Hey Sherpa great content as usual but i just had one question. So it is possible to get student loan debt discharged? I am sure you know a lot more about student loans than I but I thought that even with bankruptcy it says and you have to pay. Has that been changed?

    • There have been no recent changes to the bankruptcy law. Getting student loans discharged is very difficult, but it is not impossible.

    • Thomas

      Thanks for the clarification!

    • No problem! I’m happy to help.

  • Normally I can’t stand lawyers. They charge an arm and a leg. But sometimes we need legal help and having a lawyer fight for your rights is such a relief.

    • The cost of a lawyer can be very expensive… but the cost of not getting a lawyer can sometimes be even more expensive.

  • If you want a lawyer to pursue a discharge of your student loans in bankruptcy you will have to articulate why you will not be able to repay your student loans throughout the loan repayment period. In particular, bankruptcy lawyers want to hear about something outside of your control which is stopping you from making payments. For example, if you are disabled or have to care for a loved one which is preventing you from working, we want to hear about that.

  • Mandi

    Yes I am in major debt with private student loans. There was a law firm called berges law group that said they would help to fight my debt. I’m a little worried it might be a scam or that I should find an attorney on a smaller scale. I just don’t know what to do and any advice would be great. I just know I can’t afford my loan payments

  • Declare Bankruptcy

    Great tips about student loan. I appreciate for the job well done of the author who shared this information to the public.

  • Bankruptcy Australia

    Gladly that i came across with your article. Finding good attorney when handling your situation is hard for the others.

  • john d

    Great post really , it tells about the student loan and its processing.The steps that are involved in it are firstly Familiarize Yourself with Student Loan Bankruptcy Law secondly Explain Your Undue Hardship and lastly

    Show That the Law is on Your Side.

  • Something seems off about what they have put you through. At the bottom of the page is a link to send me an email. Hopefully we can find a payment plan that works for you because 1100 doesn’t sound right at all.

  • Brandi Layne

    i really need help with my huge amount of student loan debt. my loans come to over $126,000!i cant pay this debt, i cant even do monthly payments which they said would be like over $3000 if i did pay. I’ve done deferments etc but my loans keep getting sold to different companies who in turn mess up paperwork and reactivate everything. it’s a real mess. i really need to bankrupt these off my credit report as they’re constantly holding back my life keeping me in a circle of poverty credit wise.there is such a lack of jobs here for anyone with degrees in history. is there a good student loan bankruptcy lawyer in Ohio?thanks

  • AKP

    Anyone know how student loan debt (federal) is handled if it was consolidated and the two individuals are divorced?

  • Sharon Constantine O’Donnell

    Good Morning, I am doing a little leg work for my parents with this question. My sister had my parents co-sign for some of her student loans. This was during all the loan debacle of 2009-2011. Like good parents they did. The problem is my sister is in default with her loans and in horrific credit card debt and is being chased by a constable. I keep telling my parents to get their names off the loan. Is this possible at all? The loan amount they co-signed for is roughly under 50K . Is there a lawyer out there, or some legal advice we could have contact with? Thank you for any input! HELP!

  • Giovanny Cardenas

    I’m writing to you because I’ve come across you and it sounds like you are a student loans attorney. I’ll get straight to it, I have about 185k in student loan debt from a bachelor’s degree and an online master’s degree that I got because I couldn’t afford my student loans so that I could put them into deferment. The only reason I can afford my $1400 payment is because i bought a house that i rent to the roommates. I’m not actually doused to rent it out according to local laws but I have no other choice.

    I went to school for criminology and political science and I did my masters in Homeland Security. When I got out of college in 2004 I worked in real estate hoping that I could pay off the debt and then the market crashed. I then started working for a contractor for Homeland Security enforcing the deportation of criminal immigrants. But after 5yrs I realized that I was just apart of the rat race and going no where. I played for federal jobs such for Special Agent positions with ATF, DEA, FBI, BORDER PATROL, and other agencies but I couldn’t get in. It was always one reason or another but i also couldn’t pass a polygraph for the life of me, not because I lied but because I had a guilty conscious. I never did one drug growing up and I always stayed out of trouble knowing that I wanted to work in law enforcement.

    I’ve left Homeland Security and now i work as a real estate agent and I’m doing ok. Even though I’m paying the debt it’s only until the city shows up and tells me that I can’t have renters. The debt holds me back in life because it’s like a dirty secret every time I meet a girl because who wants to marry a guy with 185k in student loans and mortgage payment that will never go away.

    I’m writing to you because I’ve recently that bankruptcies have recently been taking place for people that have student loans but aren’t working in their field and are consumed by student loan debt. If this is something you can help me with, please contact me.