Further Help

*The Borrowers are not endorsing any of the organizations or legal services listed on this website.  We make no warranties, express or implied, about the effectiveness of these services. We have no financial stake nor are we affiliated with these services. We encourage users to shop around and consider their specific needs and situation when choosing an attorney or financial counselor.

Submit a Complaint Regarding Your Student Loans

Federal Student Loans(Department of Ed. Student Loan Complaint System)Private Student Loans(CFPB Complaint System)

Student Loan Servicing Companies

Aspire Resources Inc






Debt Management and Collections System






FedLoan Servicing (PHEAA)



Granite State – GSMR



Great Lakes Educational Loan Services, Inc.












OSLA Servicing



VSAC Federal Loans



Contact Your Private Student Loan Lender

Citizens Bank


Discover Student Loan Repayment Assistance Department

Loans Purchased and Serviced by Discover-Call 1-800-557-0972 for student loans you obtained from another bank that are now serviced by Discover.

Loans Originated by Discover Call- 1-877-321-5017 for student loans you obtained directly from Discover Bank

Navient (Sallie Mae)



Wells Fargo


Warning Signs of a 'Debt Relief' Scam

Information provided by the Consumer Financial Protection Bureau

  • Pressure to pay high up-front fees. It can be a sign of a scam when a debt relief company requires you to pay a fee up-front or tries to make you sign a contract on the spot. These companies may even make you give your credit card number online or over the phone before they explain how they’ll help you. Avoid companies that require payment before they actually do anything, especially if they try to get your credit card number or bank account information. Not only is free assistance available through your student loan servicer, many times taking payment for debt relief services before providing help is illegal.
  • Promises of immediate loan forgiveness or debt cancellation. Debt relief companies do not have the ability to negotiate with your creditors for a “special deal” under these federal student loan programs. Payment levels under income driven payment plans are set by federal law and, for most borrowers, loan forgiveness is only available through programs that require many years of qualifying payments.
  • Demands that you sign a “third party authorization.” You should be wary if a company asks you to sign a “third party authorization” or a “power of attorney.” These are written agreements giving them legal permission to talk directly to your student loan servicer and make decisions on your behalf. In some cases, they may even step in and ask you to pay them directly, promising to pay your servicer each month when your bill comes due.
  • Requests for your Federal Student Aid PIN. Be cautious about companies that ask for your Federal Student Aid PIN. Your PIN — the unique ID issued by the U.S. Department of Education to allow access to information about your federal student loans — is the equivalent of your signature on any documents related to your student loan. If you give that number away, you are giving a company the power to perform actions on your student loan on your behalf. Honest companies will work with you to come up with a plan and will never use your PIN to access your student loan information.

Additional Fee-for-service Resources

Student Loan Attorneys

The Student Loan Lawyer


Cohen Consumer Law, PLC

114 Route 100 West Dover, VT 05356 VT Phone: 802-380-8887 CT Phone: 860.233.0338 Fax: 860.233.0339

Like many students attending college, part of Josh’s financial aid package included work study – a program which funds a job for a student to help provide money for the student to live off of while attending college. Josh’s job landed him in the financial aid office of Brandeis University. There, he was exposed to financial aid in a way most college students are not. Never in his wildest dreams did he expect that experience to play such an important role in his career.


Jay S. Fleischman

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Jay S. Fleischman, Esq.
Student Loans and Bankruptcy
Call 866-787-8078

Jay concentrates his practice on student loan related matters.He speaks regularly at national events on the subjects of student loans, bankruptcy, and consumer protection. He is an instructor at The Student Loan Law Workshop, a member of the National Association of Consumer Bankruptcy Attorneys, National Association of Consumer Advocates, and Central District of California Bankruptcy Attorneys Association.

Student Loan Borrowers Assistance – National Consumer Law Center

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