Student Loans

Helping Clients Reduce or Eliminate Student Loan Debt

Student Loan Attorney in Savannah

Millions of individuals have financed their higher education through student loans. Currently, U.S. student loan debt has exceeded 1.7 trillion dollars. As an investment in your future, this is often a good idea. Student loan payments can become difficult to manage if you struggle to secure a suitable job or face unexpected financial hardships.

Falling behind can escalate debt to unsustainable levels. A student loan debt attorney can provide critical guidance. Whether you’re seeking relief, repayment strategies, or legal solutions, a skilled student loan lawyer can help you regain control and explore viable options for managing your financial situation.

20 Yrs+

Experience

500+

Satisfied Clients

58+

Positive Reviews

Expert Legal Advice for Debt Relief

Protect Your Financial Future With Help of Student Loan Attorney Georgia

If you are struggling with student loan debt, it’s crucial to seek advice from a trusted student loan forgiveness attorney. At the Law Offices of Mark A. Bandy, PC, we focus on debt relief and offer personalized guidance for managing overwhelming financial situations.

Attorney Mark A. Bandy has more than 20 years of experience in dealing with all possible debt situations and the fallout they bring to your life. Getting answers is only a phone call away. We recommend you reach out to our firm for the help you need.

Contact our firm today at (912) 509-7015 for a free case evaluation or reach out online to speak with a skilled lawyer for student loans.

Discharging Student Loans in Bankruptcy

How to Prove Undue Hardship for Student Loans

Under the U.S. Bankruptcy Code, a student loan debt may be dischargeable if its continued payment after bankruptcy will cause “undue hardship” on you and your dependents. As “undue hardship” can vary widely depending on a person’s circumstances, the bankruptcy courts will often use the Brunner Test to determine if your student loans are eligible for a bankruptcy discharge.

Under the Brunner Test, you must demonstrate the following:

Your current income and expenses you cannot maintain a minimal standard of living if you are obligated to repay your student loan
Other circumstances also are in play that show that the above will likely continue for most of your repayment period
You have, in the past, shown good faith in making payments on your student loan

Bankruptcy courts may vary in applying this test. If you’re navigating this process, the best student loan debt lawyer can help build a strong case for your situation.

Preparing for Student Loan Discharge

Important tips for proving undue hardship include

Keep records of your student loans and all related paperwork
Collect documentation of your expenses, such as rent payments, medical bills, or receipts for groceries
Create a list of your debts and monthly payment obligations
Save and show all evidence of communication with your lender

If you can prove undue hardship, your student loan may be reduced or eliminated. You may be more likely to obtain a student loan discharge if you are disabled or over 50.

Declaring Undue Hardship

To potentially receive a student loan discharge, you will need to file bankruptcy under Chapter 7 or Chapter 13. You will also need to file an additional petition for what is called an “adversary proceeding.” This complaint will allow you to outline your case of undue hardship.

Understanding Asset Exemptions

Ways to Reduce Student Loan Debt

Bankruptcy and undue hardship is a solution in cases where you have tried and exhausted other options. For federally-funded student loans, you may qualify for a loan forgiveness program or for an income-driven repayment plan. These plans offered by the federal government can reduce your monthly bills and can prevent you from going into default on your student loan.

The bankruptcy solution above is also a solution if you have actually gone into default on your loan, especially in cases of private loans where you may be facing wage garnishment from your lender. However, if you have gone into default on a federal student loan, you may be also be able to recover through a student loan rehabilitation option offered by federal loan holders.

Eliminating unsecured debt through bankruptcy can increase your income, allowing you to make student loan payments. Even if your student loan can’t be discharged, bankruptcy will free up resources to avoid default.

Consult a Savannah student loan attorney for legal guidance in navigating your options.

Understanding Federal Student Loan Garnishment

Can Debt Collectors Garnish Student Loans?

If you are behind paying your federal student loans, they may be garnished without a court order. It is typical for garnishments to need approval from the court, however, student loans do not.

This means that the collector can directly withdraw funds from your bank account or paycheck without your consent. Your bank and employer are legally obligated to comply with the garnishment instructions.

Consult a student loan attorney Savannah GA for legal assistance if you’re facing garnishment.

Achieve Financial Stability with Expert Debt Relief

Learn More About Student Loan Solutions

At the Law Offices of Mark A. Bandy, we’ve assisted thousands in achieving financial stability through best debt relief solutions. If you’re struggling with debt, reaching out to an experienced student loan attorney is an essential step toward recovery. Let us guide you to a brighter financial future.

Contact our best student loan lawyer today at (912) 509-7015 or connect with us online for expert legal assistance.

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“I was very pleased and would highly recommend his firm. They are top notch. Thank you to Mark and his team for their help.”

A former client of Mark’s referred me to his firm. I called and spoke with Mark. He took the time to listen and understood my concerns. He discussed the process and time frame for filing. His staff followed up and contacted me the next day. They stayed in touch and communicated each step from the beginning to the end. I was very pleased and would highly recommend his firm. They are top notch. Thank you to Mark and his team for their help.

-Kim C

“After reaching out to Mark my initial apprehension was immediately put to rest. Mark is very understanding and broke the process down in its most simple terms.”

Although bankruptcy was a great option for me financially, it was also a very scary thought to process which initially made me reluctant to pursue this option. However, after reaching out to Mark my initial apprehension was immediately put to rest. Mark is very understanding and broke the process down in its most simple terms. The process was seamless, only required one office visit and one courthouse visit and by working with Mark I was able to achieve optimal results. I could not recommend Mark more and I am beyond happy that I chose to work with him.

-Ben

“I knew as early as our consultation that Mark Bandy cares for his clients.”

He and his office made my legal matter an easy and fluid process. There is now a light at the end of the tunnel for me. Thank you, Mark and Shannon, for your outstanding guidance and assistance!

-Suran

“I would recommend Mr. Bandy to any and everyone who going through a rough patch and needs help. Thank you so much.”

Mr. Bandy saved me and my financial situation when I really was at my lowest. His professionalism and follow through made the entire bankruptcy proceedings easy to process. I would recommend Mr. Bandy to any and everyone who going through a rough patch and needs help. Thank you so much.

-Former Client

“Mark and his team are incredible and helped in a tremendous way.”

Mark and his team are incredible and helped in a tremendous way. He saw the process all the way through, and informed me of any details and questions I had. Would absolutely recommend! Everyone goes through a tough time, and people like Mark are there to help.

-Josh F.

“I was worried about losing a piece of my business and he helped me keep it all.”

Mark helped answer some questions about handling my credit card companies during the Covid crisis. I was worried about losing a piece of my business and he helped me keep it all. Thanks, Mark!

-Eric

“He is professional, reasonably priced, and makes whatever you’re going through feel like it’ll be OK.”

Mark Bandy is by far one of the best. He is professional, reasonably priced, and makes whatever you’re going through feel like it’ll be OK. He answered any question I had, responded to calls and emails in a timely manner, and so forth.

-Bianca

“Mark and his staff were excellent.”

He made this very easy for me and provided tons of information on how to move beyond the Chapter 7. I am so grateful for the service and would recommend his staff for anyone seeking to file bankruptcy. Very patient and helpful. Thank you.

-Katherine H.

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Our Core Values

Reasons Clients Trust Us

Flexible & Affordable

We offer free consultations, weekend, after-hour, and virtual appointments for your convenience.

Accessible

We are accessible to our clients and are here to answer all questions throughout the process.

Client-Focused

When you retain us you can rest assure you will receive excellent representation and the best possible outcome.

Experience

Attorney Mark A. Bandy has over 20 years of experience successfully handling bankruptcy filings in Savannah.

Student Loans

Helping Clients Reduce or Eliminate Student Loan Debt

Student Loan Attorney in Savannah

20 Yrs+

Experience

500+

Satisfied Clients

58+

Positive Reviews

Expert Legal Advice for Debt Relief

Protect Your Financial Future With Help of Student Loan Attorney Georgia​

Discharging Student Loans in Bankruptcy

How to Prove Undue Hardship for Student Loans

Preparing for Student Loan Discharge

Important tips for proving undue hardship include

Declaring Undue Hardship

Understanding Asset Exemptions

Ways to Reduce Student Loan Debt

Understanding Federal Student Loan Garnishment

Can Debt Collectors Garnish Student Loans?

Achieve Financial Stability with Expert Debt Relief

Learn More About Student Loan Solutions

Mark In The News

How To Tackle Personal Debt

Local Expert: Bankruptcies Could Spike Post-Pandemic

“I was very pleased and would highly recommend his firm. They are top notch. Thank you to Mark and his team for their help.”

“After reaching out to Mark my initial apprehension was immediately put to rest. Mark is very understanding and broke the process down in its most simple terms.”

“I knew as early as our consultation that Mark Bandy cares for his clients.”

“I would recommend Mr. Bandy to any and everyone who going through a rough patch and needs help. Thank you so much.”

“Mark and his team are incredible and helped in a tremendous way.”

“I was worried about losing a piece of my business and he helped me keep it all.”

“He is professional, reasonably priced, and makes whatever you’re going through feel like it’ll be OK.”

“Mark and his staff were excellent.”

Schedule Your Free Consultation Today

Begin Your Fresh Start

Our Core Values

Reasons Clients Trust Us

Flexible & Affordable

Accessible

Client-Focused

Experience

Contact us online or call our offices at (912) 509-7015 to get started with our Savannah bankruptcy attorney today.

Protect Your Financial Future With Help of Student Loan Attorney Georgia