Struggling with Student Loan Debt?

Student Loan Lawyer in Orange County

Millions of individuals throughout the United States are burdened by student loan debt. While higher education is helpful for career advancement, it also requires most individuals to saddle themselves with costly loans. If you are facing similar circumstances and wondering how you’ll ever be able to repay your student loans, you’ve come to the right place.

At 1 st California Law, Inc., we pride ourselves on meeting our clients where they’re at. It is no secret that student loans can be notoriously difficult to discharge, but there are numerous factors that may grant you eligibility for decreased or completely erased payments altogether. The best way to get started is by consulting with an Orange County student loan lawyer from our firm!

How do I know if I’m eligible for student loan discharge?

California is considered a part of the Ninth Circuit, which makes up several states in the Western U.S. In order to be considered eligible for student loan discharge, you must successfully pass the Brunner test. This test evaluates several different aspects of your circumstances.

The Brunner test requires applicants to meet all three of the following criteria:

  • An inability to maintain a minimal standard of living if required to repay your loans
  • Proof that your financial circumstances will persist throughout your repayment period
  • Good faith efforts have been made to repay your loans

When evaluating the above criteria, the court may also consider the quality of your education, employment availability, your age, your average standard of living, and whether you can sufficiently care for dependents. If you are considered ineligible for discharge, the court may consider lowering your payments during your repayment period.

Take control with an Orange County student loan attorney!

The thought of student loan debt can be paralyzing, especially when you’ve done everything you can to repay what you owe. We understand that unexpected life circumstances can make it nearly impossible to keep up with student loan payments and want to help.

With 24/7 availability and a strong commitment to your best interests, you can trust the team at 1 st California Law, Inc. Get in touch with us to put your days of struggling with student loan debt behind you.