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Student Debt Relief A Track Record of Success Since 1980

Lufkin Student Debt Relief Attorney

Legal Advocate Serving All of East Texas

Owing money on student loans can seem like a never-ending nightmare. Monthly minimum payments are generally too high for the average person to pay, and anyone can easily to slip into default at any time. If you face outstanding debt for any type of student loan, our Lufkin student debt relief lawyer can help. For four decades, the Law Offices of W. David Stephens has helped thousands of clients through all kinds of financial hardship. As a Board Certified Consumer Bankruptcy Lawyer, W. David Stephens has the necessary knowledge and skills to defend your rights and help you on towards a better financial situation.

To schedule a free consultation with our reputable attorney, dial (936) 298-5388 now or contact us online.

Undue Hardship and Student Loans

Even if you do not finish your degree, student loans are debts that must be paid back. Generally, student loans cannot be discharged in bankruptcy cases. However, if you can prove that you are undergoing undue hardship, there is a chance that your debt will be forgiven.

Undue hardship is the current or future inability to repay your student loan debt while maintaining a minimal standard of living. A common example is when the debtor experiences an injury or illness which makes them unable to maintain a consistent wage-earning job. Typically, it is easier to qualify for any hardship relief from federal student loans than private student loans.

When determining if you qualify for undue hardship, most courts rely on the Brunner test. If a person satisfies all three requirements, their debt may be dischargeable in Chapter 7 or Chapter 13 bankruptcy.

The factors considered for the Brunner test include:

  • Poverty: If forced to repay your loans, you cannot maintain a minimal standard of living based upon your current income and expenses
  • Persistence: Your current financial situation will likely persist for a significant portion of the repayment period
  • Good faith: You made good faith effort to repay your loans

Although it is tough to prove undue hardship, it is not impossible. Our experienced debt relief lawyers can help you determine if this is a realistic option for you. We can also help you explore other options, such as student loan deferment and forbearance, or the negotiation of new payment plans.

Whatever path you choose, our firm can be by your side to competently guide you through every step of the process.

Reach out to a Student Loan Lawyer in Lufkin

At the Law Offices of W. David Stephens, we are committed to protecting consumers from debt collectors. If you are ready to get your student loan debt under control, turn to our Lufkin student debt relief attorney today.

Connect with our skilled legal team at (936) 298-5388.

Why Choose Us?

  • Hundreds Of Cases Successfully Handled Each Year Since 1980
  • Four Decades of Experience
  • Work Directly With Your Attorney From Start to Finish
  • Board Certified, Consumer Bankruptcy Lawyer
  • Same Day Appointments Available
  • Payment Plans Available

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