Over the past several months our office has been receiving many calls for help from people who have run out of their student loan deferments. They are in or are close to default. They are overwhelmed by these loans and many other everyday debts. A student loan may not be discharged in bankruptcy if the person cannot pass the Brunner Test. There are alternative solutions to student loan debt. Some student loans are privately held and are not guaranteed by the government. Other student loans are federally guaranteed. We can determine which type of loan you have. We can then use the right approach to eliminate or settling these debts. Your success depends upon your circumstances and our efforts. Please call for a consultation. Bring in whatever student loan papers and collection information you have when you come.