Student Loan Debt Helping You Live a Debt Free Life

San Fernando Valley Student Loan Debt Attorneys

Free Consultations for Those in Debt

With the changing economy, there is more of an emphasis on pursuing a degree after graduation from high school. There is also more pressure than ever for students to pay for their schooling themselves, whether through scholarships, grants, or loans. Unfortunately, some students fall into the habit of borrowing money to pay for their schooling without thinking of the lasting effects that these loans will have on their financial situation post-grad. This is an easy thing to do, especially when the student’s attention is on their studies and making it through school in the first place. Luckily, there are many forms of help that students and former students can seek out both during their time at college and after they leave school. Our San Fernando Valley student loan debt attorneys are standing by to help you realize and decide on your next move.

Contact us online or by phone for a free consultation at (818) 805-1758. SM Law Group, APC is known as a top-tier bankruptcy law firm and has assisted countless clients with their financial legal matters.

What Options Do I Have to Pay My Loans?

One common practice to help you manage your finances while you are in college is to defer payment on your student loans until you graduate; your payments often won’t start until six months after your graduation date – giving you even more time to plan out your budget. In some cases, this deferment can last even longer. For example, if you are struggling to find a job or are underemployed after graduation or departure from college, you may find that you can have your loans deferred for even longer than the six month grace period that most government and private institutions offer to borrowers.

But what if you are fully employed and still can’t comfortably afford the payment amount? There are a number of repayment options for people in just this type of situations. Many of these repayment plans are pay as you earn, meaning that you only pay a percentage of your monthly or annual income to your student loans, typically ranging from 10 – 20 percent of your income. In some cases, once you pay this amount for a set number of years the remaining balance will be wiped and you will be debt free. This makes it easier for you to maintain a comfortable standard of living, and to prevent you from being overburdened by student loan debt.

The bottom line is that there are many different ways that you can receive help with your student loans from both the government and from private institutions. Your college degree is supposed to open new doors for you – not close them due to financial difficulty. If you are in the San Fernando Valley and would like to talk to someone about your student loans, contact our offices today. Our attorneys would be happy to meet with you to discuss your situation and help you get help with your loans; we can help you set up a payment plan, look into deferment options, or even help you eliminate part of your student loan debt.

Call our San Fernando Valley student loan debts attorneys at (818) 805-1758. We’re more than happy to listen to your story and then assess your situation so you can make a decision that will benefit you and your future.

Get a Fresh Start & Wipe Away All Your Debt

See Our Winning Case Results
  • Individual v. Credit Card Company (harassing phone calls) $100K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $100K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $175K settlement
  • Individual v. Credit Card Company (harassing phone calls) $150K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $300K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $280K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $250K Settlement
  • Individual Chapter 13 Over $75k in Mortgage Arrears Reorganized
  • Small Business Chapter 7 Over $2 Million Debt Discharged
  • Individual Chapter 7 Over $1 Million Debt Discharged
  • Individual Chapter 13 $100,000 of Unsecured Debt Discharged
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Client Reviews

Hear From The People We've Helped
  • I would recommend them to anyone.

    “Very professional. Even when the defending insurance company tried to drag out the procedure and lowball the payment, the attorneys at SM would always push forward in order to get me the highest ...”

    - Joshua N.
  • Great working with you guys!!

    “I'll contact you guys again if I need help with anything else. Much appreciated all the help from everyone at your office. Thanks!”

    - Hermes P.
  • They were awesome and spent time with me over the phone and answered my questions.

    “I had some legal questions and I gave them a call. They were awesome and spent time with me over the phone and answered my questions. With all this Covid stuff I didn't need to even go into their ...”

    - Shawn M.
  • I can finally say that someone helped me get justice.

    “John as helped me with multiple matters. I can confidently say that he was the easiest and best lawyer I could of asked for. He is a professional when it comes to maximizing settlements and getting ...”

    - Eddie S.
  • I was extremely happy and satisfied with my settlement and outcome of my case.

    “My personal injury attorney was Kian Mottahedeh. He was extremely professional, and he was always available whenever I had a question or concern. Both of his legal assistants, Esmeralda and Genesis, ...”

    - Dan N.
  • Thank you, Kian, for your professionalism and expertise!

    “During the most difficult time SM Law walked me through every step and got me an amazing settlement. Thank you, Kian for your professionalism and expertise! I highly recommend SM Law!”

    - Nathan N.
  • The absolute best when it comes to handling bankruptcy!

    “They do not pass any judgment upon you - they are simply there to help. I found them to be honest, reliable and timely. The support staff is extremely friendly and very informative. The lawyers have ...”

    - Anna G.
  • John and the representative who met me at the courthouse were very thorough and guided me every step of the process.

    “Thank you John Sarai and the rest of SM Law Group for helping me file my Bankruptcy Chapter 7 case. It was a smooth process. John and the representative who met me at the courthouse were very thorough ...”

    - Evitha B.
  • They made a very stressful situation much easier for me.

    “SM law group handled my bankruptcy case and I was very satisfied with their service. They made a very stressful situation much easier for me. They explained everything to me and it was fast and ...”

    - Lenny DcComics
  • I have never experienced more professional care. My phone calls and emails were answered within 5 minutes!

    “Absolutely outstanding experience! Kian Mottahedeh was my attorney. I have never experienced more professional care. My phone calls and emails were answered within 5 minutes every single time. Kian is ...”

    - Lenka Wallace
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