COTNER LAW OFFICES

Our Michigan student loan lawyers focus on providing solutions to student loan borrowers in the Grand Rapids area and throughout the state of Michigan

Call 616-846-7153 today and schedule an analysis!

Michigan Student Loan Lawyers

Get help with your student loan debt today!

Are you drowning in student loan debt?
Do you have to choose between making loan payments or mortgage/rent?
Are you falling behind on other debts because of your student loan payments?

You are not alone!

More than 44 million Americans have student loan debt. As your student loan lawyers in Michigan, our goal is to get you out from underneath a mountain of student debt and back on track. Very few attorneys have the training and experience needed to handle the complexities of student loan law. At Cotner Law Offices, we have extensive training in this area and have been working with Michigan consumers for more than 30 years.

Consolidation | Rehabilitation | Repayment plans | Forgiveness | deferment

Federal Student Loans

The U.S. Department of Education contracts with student loan servicing companies to administer loans to student borrowers across the country. A broad range of changes have occurred in the last few years. Servicers must assist borrowers by implementing repayment plans and processing payments while complying with federal regulations. Some well-known organizations are named in class action lawsuits for deceptive practices. As a result, you may have a different servicer now than you did a few years ago.

Nearly 90% of all student loans are serviced by one of these organizations:

Aidvantage – taking over for Navient
Great Lakes
Nelnet
HESC/EdFinancial
OSLA Servcing
MOHELA
FedLoan Servicing – phased out by the end of 2022.

If you have a PSLF, your account will likely go to MOHELA. Non PSLF will be divided among the others.

How Michigan Student Loan Lawyers can help

All servicers are not created equal. If you’re having issues with your servicer, cannot make the payments you were assigned or are filing for bankruptcy, an analysis from Michigan Student Loan Lawyers may help determine the best way forward.

There are a variety of options available to help you deal with your student loan debt, from rehabilitation and consolidation to repayment options. We can review your situation and determine what options can lower your monthly payments, stop wage garnishment, recover from IRS tax intercepts, and more.

Tell Us About Your Student Loans

Do you know whether you have federal or private loans, or both? Who is your servicer? Are you making several payments a month to different student loan servicers? Are they harassing you for payment?

An experienced student loan lawyer can advise you on potential solutions, based on your unique circumstances. At Cotner Law Offices, we will help you understand your loans and your options. If you are making the payments assigned to you, we can help determine which repayment plan best fits your needs and budget. Depending on your situation, you may qualify for a student loan forgiveness program or administrative discharge.

Yes, Michigan Student Loan Lawyers Really Can Help

The topic of student loans seems to be all over the news lately. Student loan debt in the U.S. tops more than $1.6 trillion. This is more personal debt than credit cards or car loans. Relief efforts by the government and payment requirements have changed several times since 2019. The rules of today may be old news in six months. It’s our job to keep up with the changes and protect your rights.

Each student loan borrowers’ situation is unique. Depending on the details, you may have several options that offer potential savings or discharges. We have the knowledge and experience necessary to advise you on your student loan debt. If you are struggling with payments and dealing with servicers, you don’t just need an attorney, you need a Michigan student loan lawyer. We can help you navigate the intricacies of the system and make it work for you.

Is there a Michigan Student Loan Lawyer Near Me?

From Grand Haven to Port Huron and Kalamazoo to Houghton and Sault Ste. Marie, Michigan Student Loan Lawyers are ready to help. Our offices in Grand Haven are easily accessible from I-96, US-31 and M-45. Not located nearby? No problem! Let us schedule an analysis via phone.

We help consumers throughout Michigan address their legal needs. Contact us and let’s discuss whether you need a student loan lawyer in Michigan to help consolidate loans, change repayment plans or rehabilitate a student loan in default. Our deep understanding of the current laws can help develop a plan that works for you.