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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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Land Installment Contracts, Options to Buy, and Rent-to-Own Agreements in Maine

Introduction  Understanding the kind of purchase agreement you have when you are trying to buy land or a home is very important. Often when people buy land or land and a house (sometimes called 'real property') they take out a mortgage or loan and are given the deed to the property when they buy it, and before they move in.
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COVID-19 Federal Stimulus Checks FAQ

Published and up-to-date as of July 2022.    
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COVID-19 Stimulus Checks & Public Benefits Eligibility in Maine

Posted and up-to-date on 4/29/2020 Introduction Many people who will get a stimulus check under the CARES Act may also receive public benefits. You may be worried about whether getting a stimulus check will change your eligibility for public benefits.
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Maine Public Benefits & COVID-19 FAQ

Posted and up-to-date on 12/15/2020 I need MaineCare, TANF, and/or SNAP (food stamps), where do I go to apply? These services are run through the Maine Department of Health and Human Services (DHHS).
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Home Foreclosure and COVID-19 FAQ

Posted and up-to-date as of 10/1/2021 Introduction If you can't make your mortgage payment because of the COVID-19 emergency, there is some good news:
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Student Loans & COVID-19 FAQ

Posted and up-to-date on 8/26/2022
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Social Security and COVID-19 FAQ

Up-to-date as of 12/15/2020 Is the Social Security Administration Open? Yes, but there have been changes because of COVID-19.
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Rights of Maine Renters: Types of Rental Agreements

The agreement you make with your landlord affects what rights you will have. You may sign a written agreement called a lease. When you rent without a lease, you become a "tenant at will."
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How to Handle Supplemental Security Income (SSI) Overpayments

SSI benefits are the benefits from the Social Security Administration (SSA) that come on the 1st of the month. If SSA finds that you have gotten too much money in your SSI benefit, they will send you a Notice of Overpayment.