Student Loan Relief: How to Lower Payments or Discharge Debt Under the New Rules: Real Legal Strategies from a Federal Court Attorney Helping Borrowers Erase Student Debt Under the New DOJ Guidelines

By Anthony J. Perano— Federal Court Attorney & National Student Loan Strategist Student loans don’t have to be overwhelming. Repayment plans can help you find the best options to lower your monthly payment, forgiveness programs can erase balances after service or time, and—under new Department of Justice guidance—bankruptcy can now discharge federal loans fully or partially. According to the DOJ’s July 17, 2024 press release, these guidelines are helping borrowers gain relief that was once out of reach. This book explains how that process works and why it is a present option for many people struggling with student debt. Anthony J. Perano — a practicing attorney admitted in the Eastern and Southern Districts of New York with over 35 years of experience — takes complex student loan regulations and explains them in plain English so borrowers can understand them and protect their wallets. After reading this guide, you’ll be on the road to taking control of your loans, whether your goal is lower payments, forgiveness, or a complete fresh start. Inside, you’ll learn: Step-by-step strategies for federal and private student loans How the SAVE injunction affects interest, forgiveness, and enrollment The DOJ Attestation process for bankruptcy discharge and partial relief Ways to lower your monthly payment through IDR, consolidation, and PSLF Mistake-avoidance checklists and real borrower case studies Get your copy today and start building your survival plan. View Less