Private Student Loan Debt
Private loans have defenses federal loans don't
Private student loans do not carry federal protections, income-driven plans, or federal forgiveness — but they do carry something federal loans usually don't: weak documentation. Loans bundled and sold into securitized trusts are frequently sued on without a complete chain of assignment or admissible account records. We negotiate where negotiation makes sense and litigate where the paperwork does not hold up.
What's included
Trust and assignment challenges
We demand the complete chain of ownership from originator to plaintiff — a common failure point in securitized loan suits.
Settlement negotiation
Defaulted private loans are often settled well below balance, particularly once a case is actively defended.
Cosigner protection
Parents and cosigners are frequently sued alongside the borrower. We defend and negotiate for both.
Statute of limitations review
Many private loan claims are filed after the limitations period has run. We check that first, every time.
How it works
- 1Review of loan documents, servicer history, and any suit filed
- 2Ownership and limitations analysis
- 3Answer filed where litigation is already underway
- 4Negotiation of a reduced payoff or workable terms
- 5Written resolution covering borrower and cosigner