Your student loans have taken over your life. The payments are impossible. You’re in default and they’re threatening to garnish your wages, seize your tax refunds, and destroy your credit. The debt keeps growing no matter what you pay.
You thought education would improve your life – instead, it’s ruining it. You feel trapped, angry, and hopeless. But student loan debt doesn’t have to be a life sentence.
At Gort Law, we’ve helped hundreds of Jupiter residents escape student loan hell through loan forgiveness programs, payment reductions, and strategic legal defenses. There are more options than you know.
Get your life back from student loans. Call (561) 900-0478 for your free student loan consultation.
Student loan servicers make money by keeping you confused and paying forever. They “lose” your paperwork, misapply payments, and steer you away from programs that could eliminate your debt.
We know their tricks because we’ve been fighting them for years. We speak their language and force them to follow the law.
Student Loan Relief Options
Income-Driven Repayment Plans
Pay based on what you actually earn, not what you owe:
– Income-Based Repayment (IBR)
– Pay As You Earn (PAYE)
– Revised Pay As You Earn (REPAYE)
– Income-Contingent Repayment (ICR)
Your payments could drop to $0-50 per month based on your income and family size.
Loan Forgiveness Programs
Get your remaining debt wiped out completely:
– Public Service Loan Forgiveness (after 120 payments)
– Teacher Loan Forgiveness (up to $17,500 forgiven)
– Income-driven forgiveness (after 20-25 years of payments)
– Military and veteran forgiveness programs
– Healthcare worker loan forgiveness
Loan Consolidation
Combine multiple federal loans into one new loan with better terms, lower interest rates, and access to forgiveness programs.
Loan Rehabilitation
Get out of default status and stop garnishments by making 9 consecutive on-time payments under a rehabilitation agreement.
Wage Garnishment (Up to 15% of Your Pay)
Federal student loans can garnish your wages without even suing you first. We stop garnishments and get you into affordable payment plans.
Tax Refund Seizure
They’re taking your entire tax refund every year. We can stop future seizures and sometimes get past refunds returned.
Social Security Garnishment
Federal loans can even garnish Social Security benefits. We protect seniors and disabled borrowers from these aggressive tactics.
Bank Account Seizure
Private student loan companies can freeze your bank accounts through lawsuits. We defend these cases and protect your money.
Federal Student Loans
More options and protections:
– Income-driven payment plans
– Loan forgiveness programs
– Rehabilitation to get out of default
– Discharge in bankruptcy (rarely, but possible)
Private Student Loans
Fewer options but still hope:
– Negotiated settlements for less than owed
– Payment plan modifications
– Bankruptcy discharge (more possible than federal)
– Statute of limitations defenses
We Know the System Inside and Out
Student loan law changes constantly. We stay current on every program, every loophole, and every strategy that can help you.
We Fight Servicer Abuse
Loan servicers routinely violate federal law. When they do, we make them pay damages and often get debt reduced or eliminated.
We Handle Both Federal and Private Loans
Different types of loans require different strategies. We customize our approach to your specific loan portfolio.
We Get Results Others Can’t
Our clients regularly achieve payment reductions and forgiveness amounts that seemed impossible before they found us.
Ignoring the Problem
Student loans don’t go away. Default makes everything worse – higher balances, ruined credit, and aggressive collection tactics.
Forbearance and Deferment Abuse
These should be temporary solutions. Interest keeps growing, making your debt bigger. Income-driven plans are usually better.
Paying Too Much
Many borrowers pay standard payments when they qualify for much lower income-driven payments or even $0 payments.
Missing Forgiveness Deadlines
Public Service Loan Forgiveness and other programs have strict requirements. One mistake can cost you years of progress.
Falling for Scam Companies
“Student loan relief” companies charge thousands for services we provide, often making your situation worse.
Public Service Loan Forgiveness (PSLF)
Work for the government or qualifying non-profit? Your remaining balance gets forgiven after 120 qualifying payments.
Teacher Loan Forgiveness
Teach in low-income schools for 5 years and get up to $17,500 forgiven, even if you don’t qualify for PSLF.
Income-Driven Forgiveness
After 20-25 years of income-driven payments, remaining balances get forgiven (though you may owe taxes on the forgiven amount).
Military and Veteran Programs
Active duty, Guard, and Reserve members have special forgiveness and payment options.
Healthcare Worker Programs
Doctors, nurses, and other healthcare workers may qualify for loan repayment programs through employers or government agencies.
Default and Garnishment Active
They’re taking money from every paycheck. We stop garnishments and get you back in good standing quickly.
Facing Lawsuit from Private Lender
Private student loan companies are suing you. We defend these cases and often negotiate settlements for much less.
Tax Refund Seized
Federal loans took your entire tax refund. We can stop future seizures and get you into affordable payments.
Credit Destroyed by Default
Student loan default ruins your credit for years. We rehabilitate loans and get negative marks removed from your credit report.
Your Student Loan Analysis Includes
✓ Complete review of all federal and private student loans
✓ Calculation of income-driven payment options
✓ Analysis of forgiveness program eligibility
✓ Strategy to stop garnishments and collections
✓ Credit repair planning for defaulted loans
✓ Comparison of all available relief options
We’ll show you exactly how much you can save!
Can student loans be discharged in bankruptcy?
It’s difficult but not impossible, especially for private loans. We’ve successfully discharged student loans in bankruptcy for clients with severe hardship.
What if I can’t afford any payment?
Income-driven plans can result in $0 monthly payments if your income is low enough. You still get credit toward forgiveness.
Will loan forgiveness hurt my taxes?
Some forgiveness programs are tax-free (like PSLF). Others may create taxable income, but we help you plan for it.
Can they garnish Social Security for student loans?
Yes, federal loans can garnish up to 15% of Social Security benefits. We stop these garnishments and protect seniors.
What if my school closed or defrauded me?
You may qualify for closed school discharge or borrower defense discharge, eliminating the debt completely.
Don’t Let Student Loans Control Your Life
You went to school to build a better future. Don’t let student loan debt steal that future from you. You have more options than you realize, and many of them can dramatically reduce or eliminate what you owe.
The programs exist – you just need someone who knows how to use them.
Call (561) 900-0478 now.
We help student loan borrowers throughout Palm Beach County, including Jupiter, Palm Beach Gardens, West Palm Beach, Wellington, Boca Raton, and all surrounding areas.
Gort Law Office
123 Main Street
Jupiter, FL 33458
Student Loan Help Line: (561) 900-0478
Your Education Shouldn’t Bankrupt Your Future
Student loans were supposed to invest in your future, not destroy it. You deserve a payment you can afford and a realistic path to being debt-free.
Millions of borrowers have found relief through programs you might not even know exist.
Your financial freedom is one phone call away.
Call Gort Law: (561) 900-0478
Jupiter’s student loan debt relief attorney – turning your education investment into the opportunity it was meant to be.
If you are considering filing for bankruptcy or need an attorney to represent you in a civil, real estate, business, or construction deficit lawsuit in the Jupiter, Florida area, contact us at Gort Law P.A..
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