Student Loan Forgiveness Via SAVE: 10th Circuit Saves the Day!
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- Опубліковано 4 вер 2024
- Christie comments on the Missouri and Kansas injunctions as well as the recent 10th Circuit ruling that clarified some things regarding the SAVE plan.
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𝗖𝗮𝗹𝗹: (𝟴𝟭𝟯) 𝟮𝟱𝟴-𝟮𝟴𝟬𝟴 or
Email: info@christiearkovich.com
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Our two attorneys, Christie Arkovich and Barbara Leon, help to reduce student loan debt, file bankruptcy, avoid garnishment and foreclosure and other problems that too much debt can create.
Barbara Leon is a Florida licensed attorney for nearly 20 years in the areas of bankruptcy, foreclosure and student loans. Her practice and experience is well diversified, having gained experience through an internship with the U.S. Attorney’s office, a clerkship with a Federal Magistrate Judge, and both creditor and debtor private practice. This insight helps her to see all sides and find a solution quickly that works for everyone.
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Our channel Student Loan Sidebar is a continuation of a quarterly column that we write for our local bankruptcy attorney bar organization helping people get a handle on their student loan debt. Whenever possible, Christie shares her knowledge about student loans gained working as former trial counsel for Sallie Mae, ECMC, and other student loan servicers or guarantors, and her current law practice of over 25 years.
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𝗖𝗮𝗹𝗹: (𝟴𝟭𝟯) 𝟮𝟱𝟴-𝟮𝟴𝟬𝟴 or
Email: info@christiearkovich.com
Thank you so much for these clear and concise videos! Can you explain what it means that the forgiveness aspect of SAVE is being debated? Does this mean the 20 or 25 year path to forgiveness which has been a huge part of IBR plans for decades is in danger? I consolidated my graduate loans after 20 years of payments because I was told it was the only way to be eligible for the recalculation of qualified payment months that has been promised for almost 2 years now. Am I in danger of losing those 20 years towards my forgiveness?
I'd like to comment as a constitutional libertarian who is also a consumer protectionist.
I think regulation is needed against bigger parties that may file into a qualified party rule under things like a contract of adhesion, like employers and Banks.
The student loans still qualifies for this. While I am not sure actually discharging debts is constitutional, things like all aspects of the SAVE plan actually are.
I'm so glad for your work, and others, to defend this because at is root, if we shouldn't have been providing these loans we shouldn't require them to be paid back.
These videos are helpful!
Glad you like them and hope the info has helped you!
I had trouble with your online contact form. Wondering what your consultation fee is?
Trying to find out what the fee is for a strategy session
Any legal consultations is free except the student loan consultation, $450/ hour.
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But if the Supreme Court reject's, wouldn't that mean the WHOLE save plan is gone? Even the provisions (such as the already 5% payments) already approved? I think Missouri is going for abolishing the whole SAVE PLAN becasue it harms MOHELA and their payments. Or is the lawsuite just for the forgiveness protion of the plan? Can you explain?
Could a Trump administration change the clasification of the consolidated parent plus loans to not be eligible for SAVE after they were admiited to that program?
What is double consolidation
Please take a look at our double consolidation videos - this is working and you have until July 2025 to reduce your Parent Plus loan this way. We can also help - please reach out to us for a strategy session at info@christiearkovich.com or 813-258-2808.
Hello I have federal student loans. I have not been able to work consistently and in any significant manner for variety of reasons for five years . I also have credit card debt I use in order to survive I'm technically homeless Can I file bankruptcy what are the chances of discharge. I've never been able to pay on these loans. Some are from 2004
Sounds like your chances are pretty good. If undergrad loans though, and Direct, you might wait to see how much IDR credit you'll get in September during the IDR recount/audit. If most of that time counts, and if you've consolidated before June 30 so the earliest loan repayment date counts for all - you may have reached the 20 year mark for forgiveness for undergrad loans already. But a bankruptcy would be very promising for both student loans under the new Attestation rules and credit cards.
@@ArkovichLawI only have one undergrad from 2004 but went back for a master's in 2006 and then back in 2013 for pharmacy so they have not been in repayment this whole time. I consolidated but I'm not sure it was a good idebut haven't really able to work much. Does it matter if the loans never have been paid for all these years. I need a consult because if I file bankruptcy I will never get a place to live
Most of my loans are graduate.
@@ArkovichLaw I'm in a different state can you still help me