Welcome to PTLA’s Student Loan Project!
We provide free legal services to student loan borrowers.
We help people with:
- Applying for loan forgiveness or relief based on profession, disability, or school misconduct.
- Getting affordable payments through an income-driven repayment plan.
- Getting loans out of default.
- Challenging student loan servicer misconduct.
- Defending against debt collection lawsuits.
- Fighting tax or federal benefit offsets or wage garnishments.
- Navigating the changes to Public Service Loan Forgiveness. Learn more about PSLF changes here.
- And more!
Student Debt Cancellation Updates
On August 24, 2022, President Biden made an announcement about student loan debt cancellation. The plan announced includes:
- Extending the payment pause one final time, until January 2023
- Cancelling loans for borrowers with income during the pandemic of under $125k (single) or under $250k (joint or heads of household)
- Cancelling $20k for those who received Pell Grants
- Cancelling $10k for those who did not receive Pell Grants
- New income-driven repayment plan proposed
You can apply for cancellation at www.studentaid.gov/debt-relief/application or print out the application form and mail it in. The application only takes about 2 minutes to complete!
You can learn more about the announcement at studentaid.gov/debt-relief-announcement/.
UPDATE: The Department of Education cannot currently accept new applications as there are pending lawsuits about the legality of debt cancellation. The Department of Education believes the cancellation is legal and is fighting for it in court. If you sign up for emails at ed.gov/subscriptions, you can receive updates about the cancellation and application.
Beware of scam phone calls about this announcement! Remember, you do not have to pay anything to get this relief.
Learn more about your rights and get answers to common student loan questions
Contact us for more information
Call us at (207) 764-4349 during our open hours each week:
- Mondays 12-2:30pm
- Tuesdays 9-11:30am
- Thursdays 9-11:30am