Confidential. No pressure. Clear answers about your options.
Student loan debt can feel confusing. The rules change often, and small mistakes can cost time, money, or forgiveness credit.
Kostopoulos Bankruptcy Law helps borrowers understand federal student loan options, repayment plans, forgiveness programs, and next steps. We focus on real programs, verified rules, and clear answers.
Student loan relief programs can be hard to understand. Your loan type, job, income, family size, payment history, and paperwork can all matter.
Borrowers work with Kostopoulos Bankruptcy Law because we focus on accuracy, eligibility, and long-term planning.
What sets us apart:
You will get clear guidance based on your loans, your goals, and the rules that apply to your situation.
Student loan debt usually does not get easier when it is ignored. A consultation can help you understand your options and avoid mistakes.
Call now to speak with a lawyer about your student loan debt.
Not ready to decide yet? Visit our Learning Center to learn more your before taking the next step.
Student loan relief programs change often. The right option depends on your loan type, income, job, family size, payment history, and repayment plan.
Call us to review your situation and see which programs may apply to you under the current rules.
Common student loan relief options include:
Public Service Loan Forgiveness, often called PSLF, may help some public service workers get federal student loans forgiven after meeting program rules.
PSLF usually depends on:
Federal Student Aid explains that PSLF generally requires 120 qualifying monthly payments.
How we help:
We review your loan type, employer, payment history, and forms. We help look for problems that could keep payments from counting.
Check eligibility or employer status: StudentAid.gov PSLF Help Tool →
Income-driven repayment plans, often called IDR plans, base your monthly student loan payment on your income and family size. These plans may lower your payment and may lead to forgiveness after you meet the program rules.
The SAVE Plan is one type of income-driven repayment plan, but the rules around SAVE have changed and may continue to change. Borrowers should not rely on old information before making decisions.
How we help:
We review your loans, income, family size, repayment history, and current plan. Then we help you understand which repayment options may be available, whether SAVE affects your situation, and what steps may make sense next.
Official overview: StudentAid.gov IDR Plans →
Parent PLUS loans may have different rules than loans taken out by students. In some cases, a Parent PLUS borrower may need to consolidate into a Direct Consolidation Loan before becoming eligible for certain repayment options.
Federal Student Aid explains that Parent PLUS loans may need to be consolidated into a Direct Consolidation Loan to access certain income-driven repayment options.
How we help:
We help parents review loan type, consolidation steps, repayment options, annual updates, and possible forgiveness paths.
Borrower defense may help if your school misled you or broke certain rules. This program can be used to ask for a discharge of certain federal student loans.
Federal Student Aid explains borrower defense as a possible discharge when a school’s conduct may make a borrower eligible for relief.
How we help:
We help review what happened, what proof may be needed, and how to complete the application carefully.
Official borrower defense page →
Student loan programs can change often. Call us to review your situation and see which federal or state options may apply.
California may offer loan repayment programs for certain healthcare professionals and people serving in underserved areas.
Michigan may offer repayment help for certain public service, healthcare, or education careers.
Michigan Student Loan Repayment Program →
How we help:
We review federal and state programs together so you do not miss options that may apply where you live, work, or serve.
Our attorneys help you:
Review your student loan file
Check loan types and repayment status
Look for forgiveness or repayment options
Understand federal and state programs
Review bankruptcy and non-bankruptcy options
Our goal is to help you understand your options, avoid costly mistakes, and move forward with a plan you can follow.
Student loan debt usually does not get easier by waiting. A consultation can help you understand your options and your next step.
Debt Released
Solving Debt Problems
Cases Filed
Homes Saved
Our goal is to help you regain control, not just move debt around.
If student loan debt is weighing on you, you do not have to figure it out alone.
A consultation can help you understand repayment options, forgiveness programs, bankruptcy questions, and next steps.
Private. No pressure. Clear answers about your options.
Kostopoulos Bankruptcy Law helps borrowers in Michigan and California understand student loan repayment, forgiveness options, bankruptcy questions, and next steps before they make a decision.
Eligibility depends on your loan type, employment, income, and repayment history.
Kostopoulos Bankruptcy Law helps borrowers in Michigan and California understand student loan repayment, forgiveness options, bankruptcy questions, and next steps before they make a decision.
See official program list → StudentAid.gov
You may. Consolidation is often required if you have:
FFEL, Perkins, or Parent PLUS loans
Multiple loan types needing to qualify under a single plan
We help you determine if consolidation improves your eligibility—or if it could delay progress.
Government employers and most 501(c)(3) nonprofits qualify. Some nonprofits that provide specific public services may also qualify.
You can confirm using the PSLF Help Tool → StudentAid.gov/PSLF
IDR plans base your payments on income and family size. After 20–25 years of qualifying payments (sometimes earlier under SAVE), your remaining balance may be forgiven.
Program details → IDR Overview
SAVE is currently the most generous IDR plan, though parts of it are under ongoing court review. Some benefits remain active; others are paused.
Official updates → SAVE Court Actions
We help you understand what applies right now—not six months ago.
It’s a federal correction that credits borrowers for certain past repayment, deferment, or forbearance periods. Many borrowers received months or years of extra progress toward forgiveness.
More info → IDR Adjustment
We check whether you qualify and whether action is needed on your part.
Yes—but only after consolidating into a Direct Consolidation Loan. After consolidation, Parent PLUS borrowers may pursue ICR or PSLF if the parent works for a qualifying employer.
We guide you through each required step.
Possibly. Borrower Defense to Repayment can discharge loans if your school misrepresented costs, job placement, accreditation, or program value.
Official resource → Borrower Defense
We help evaluate eligibility and assist with application preparation.
You may still reduce your payment through an IDR plan, consolidation, hardship protections, or—in rare cases—bankruptcy. We help identify all legitimate relief paths.
Not automatically, but under updated Department of Justice & Education guidelines, some borrowers can receive full or partial discharge by proving undue hardship.
We assess your situation and pursue discharge when appropriate.
Timelines vary:
PSLF: after 120 qualifying payments
IDR forgiveness: 20–25 years (sometimes shorter under SAVE)
Borrower defense: depends on federal processing
Bankruptcy discharge: case-specific
We map out your timeline so you know what to expect.
Yes. Teachers, healthcare workers, and public service employees in California and Michigan often qualify for both.
We coordinate federal + state relief so you don’t miss benefits.
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You do not have to figure this out alone. Kostopoulos Bankruptcy Law helps people in Michigan and California understand bankruptcy, debt relief, foreclosure, wage garnishment, and other debt problems in plain language.
Private. No pressure. Clear answers about your options.
