Can student loans be disputed?

Can student loans be disputed?

The only thing you can do is dispute the student loans on your credit report if they are being reported incorrectly. It’s actually not a bad thing that your student loans are on your credit report. If you’re paying them on time each month, that looks good on your credit report.

Can student loans be disputed after 7 years?

Student loans don’t go away after 7 years. There is no program for loan forgiveness or loan cancellation after 7 years. However, if it’s been more than 7.5 years since you made a payment on your student loan debt and you default, the debt and the missed payments can be removed from your credit report.

Can I settle my federal student loan?

Federal student loan settlements are difficult to get, but are possible in some cases. The Department of Education can settle (also known as compromise) FFEL or Perkins Loans of any amount, and suspend or terminate collection of these loans. It can be difficult, however to negotiate a “good” deal.

Can you negotiate with Navient?

Can you negotiate a settlement with Navient? You can negotiate a student loan settlement with Navient. But the process for negotiating a settlement will change depending on whether your loan is a federal student loan or a private student loan.

Can you ask for a lower interest rate on student loans?

Still, while there’s no way to negotiate student loan interest rates on federal loans, there is a way you can get a small reduction on your interest rate. So as long as you’re not worried about overdrawing on your bank account, consider putting your student loan payments on auto-pay to save on interest.

How to get sued by a debt collector in Ohio?

For more information about getting sued by a debt collector, visit Ohio Legal Services at To find a civil legal aid provider, call (866) LAW-OHIO (866-529-6446). What if I believe I do not owe the debt or I want proof of the debt?

Where can I find a lawyer for my student loans?

A special section of its website is reserved for consumers having trouble with the servicing or collection of federal and private student loans. Using its attorney directory, you can select student loans (or bankruptcy) from the drop-down menu, plus the state where you live.

When is it time to hire a student loan lawyer?

Before hiring a student loan lawyer, it’s important to know how they can help you. Not everyone needs legal counsel, but given the right situation, it could be a good investment. According to college debt expert, attorney Adam Minsky, a student loan lawyer can help you in the following ways:

Where can I get legal help in Ohio?

Legal aid programs in Ohio provide legal assistance to low-income Ohioans. Contact your local legal aid program at (866) LAW-OHIO (866-529-6446) or visit Which debts are covered under consumer protection laws?