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Home > Student Loan Help – Discharge, Eliminate, Settle or Adjustment Assistance

Student Loan Help – Discharge, Eliminate, Settle or Adjustment Assistance

For the past year or so I’ve been writing about student loans and the seemingly impossible task of dealing with them. As a result of my research I wrote the free guide The Ultimate Guide to Dealing With Student Loans You Can’t Afford.

I’ve also seen a rise in the number of companies that are selling student loan assistance programs. Many are expensive and problematic. I wrote about that in Student Loan Assistance Rescue Scams On the Rise – Buyer Beware.

And I got a lot of heat about writing how student loans may be able to be discharged in bankruptcy. People say that’s not possible. Yet they are wrong. See How to Really Discharge Your Student Loans in Bankruptcy. Many Can. But Never Try.

And while conventional wisdom is there are few, if any solutions for student loan problems, my ongoing interest and research into this area shows that is just not true. And while reduced repayment program for government subsidized and unsubsidized loans are available for free through the Department of Education, there are also some very good solutions for private student loans as well through attorneys who specialize in this area.

Are You Struggling With Student Loans?

If you have read my free guides on how to deal with your student loans and what to look for in a good student loan assistance program and still need help, complete the form below and I’ll help you get to a knowledgeable professional who can provide you with assistance.

I receive no compensation or fee from you using this service.


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  • Mary

    I was diagnosed with multiple schlerosis in 2009 right after finishing up my schooling that I had taken out a student loan for. I am not doing what I went to school for, I am a single mom working in retail barely making it with child support. I am about 70,000 in debt from student loans and medical bills. No credit cards. My check is currently being garnished from two student loans 30% of my check. I feel backed into a corner. I am going to have to quit my job soon and move in with my father out of state because I can’t afford to survive off 70% of my income. I don’t know what to do can anyone help me with advice?

  • R

    Over a year and half, I have had my wages garnished($400 per month), taxes intercepted, scammed by an agency stating they could help with my student loan debt. Needless to say this is a debt i owe but not the amount of the debt I currently showing I owe. In 2014 my balance was $52000, as of Jan 2015 they state my balance is $67704!!! I have paid over 10 grand and the debt continues to multiply! I have sent paperwork twice, they state never receive, I work and have not had a raise in 5 years or more! Please advise on what I can do! I am going to lose my car, my home. I am a single mother of 2 and income under $40k. Thanks for your help!

    • Steve Rhode

      Since your taxes were intercepted these are most likely federal student loans. If so, then you apparently never have heard how easy it is to avoid and stop a student loan wage garnishment and to get out of collections. See

      If you have not entered one of those programs then your balance will explode because of collection penalties and interest building.

      You can enroll in these programs online, and they say they don’t have your documentation, keep sending it. The advantages of getting enrolled far outweigh the hassle of sending it over and over.

  • Stephen Cave

    So all parties are aware, submitting the form redirects to this website:

    Which looks to be a pay website for a completely different person? Not sure what is going on here, but it seemed right to advise.

    • Steve Rhode

      Yes, that is true because at this time Damon has agreed to assist consumers to find attorneys in their state who have student loan experience. There is no charge for that service. We receive no compensation.

    • Steve Rhode

      Oh, and all parties should also be aware the same page provides links to a number of free resources consumers can use to address their student loan issue without any need to request outside help.

    • Damon Day

      Hello Stephen,
      I appreciate you linking to my site. Yes the service that I offer is a paid service. If someone has already taken the time to research and can’t figure out what their best options are, or they just want to be able to get help from someone that knows about this stuff and doesn’t have anything to try and sell them into, they can call me.

      If you notice this form is specifically for people who have already reviewed the free guides and would like to speak with a knowledgeable professional about their situation.

      Of course, they certainly aren’t under any obligation to schedule an appointment with me if they decide not to.