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Student Loan Project

Welcome to PTLA’s Student Loan Project! We provide free legal services to student loan borrowers. We help people with:
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Tenant's Repair and Deduct Form Letter

Caution! Repair and deduct can be a risky strategy - read our information about the Rights of Maine Renters in Unsafe or Unfit Housing before you try to use this form!
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Student Loans & COVID-19 FAQ

Posted and up-to-date on 9/20/2023
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Maine Tenant's Notice of Warranty of Habitability Violation

Here is a sample form you can use if you need to inform a landlord in writing of an unsafe or unfit rental housing condition. 
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Rental Housing Standard Radon Disclosure Form for Landlords

Effective March 1, 2014, Maine landlords are required to test rental units for radon gas.  More details here We have linked below the Maine DHHS standard radon disclosure form, with their "Radon Tips" information attached.
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Sample Letter: Maine Notice to Landlord of Bedbug Infestation

Here is a sample letter you can send to your landlord to notify them of bed bugs in your building.  NOTE:  This notice was drafted for use by Maine tenants.  The laws may be different in other states.
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Rights of Maine Renters: Unsafe or Unfit Housing

Maine law gives tenants an "implied warranty of habitability." This means that your landlord must promise that your home is safe and fit to live in.
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Falling behind on student loan debt? Here's what you need to know

This guide lays out your options for many different student loan debt situations. Is this guide for you? You may use this guide if:
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Repaying Federal Student Loans

Federal student loans can be intimidating and confusing. In this article we will explain types of federal student loans, repayment plans and situations, and loan discharge and forgiveness programs.
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Heating Assistance News

LIHEAP funding continues to be lower than in previous years. This will mean that more households will be turning to local heating assistance programs after their LIHEAP money runs out.  Here is a summary of the programs we know about - followed by information about how to access local programs.