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Student Loan Debt And Repayment Atlanta, GA

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Student Loan Debt And Repayment

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There’s no question that earning a college degree is important for obtaining job security and long-term financial gain. Yet, more and more occupations are requiring advanced educational degrees and certificates, leaving many with an overwhelming amount of student loan debt. In turn, President Donald Trump’s proposed education budget has included eliminating former Public Service Loan Forgiveness programs and is making changes in regards to student loans and even parents that have dependents listed on their taxes that are current students. This legislation (Tax Cuts & Jobs Act), which has not yet passed the Senate, has also set forth changes in interest deduction and graduate tuition wavers, as well as improvements to the American Opportunity Tax Credit.

Fast forward to March of 2018—while Congress ignored many of the current administration’s budget proposals in regards to eliminating the Public Service Loan Forgiveness Program, it allocated $350 million for the Department of Education to help borrowers with previously unqualified repayment plans gains student loan forgiveness, as explained by Student Debt Relief. However, the $350 million is not believed to be enough for all those that apply, especially because this amount includes those that previously did not qualify for public service loan forgiveness.

President Trump would like to combine current repayment plans into an Income-Based Repayment program (IBR). He has also promised to decrease funding for the Department of Education, and has made plans to lower federal spending in order to cover the increase in forgiveness amounts. Among other views, President Trump also feels that it’s important for colleges to lower their tuition rates and spend endowment monies on students in an effort to do so.

What does this mean for those with current student loans? Will policy revisions and changes affect students with private loans? What about those in default on their student loan payments?

As Georgia Bankruptcy Lawyers, Ira D. Gingold and Jamie L. Gingold of Gingold & Gingold, LLC, have helped many individuals with substantial student loan debt improve their financial situation and pay their loans efficiently. To speak with us concerning your options, call for a free confidential consultation today.

Posted on behalf of Jamie L. Gingold, PC

195 14th Street NE #1604
Atlanta, GA 30309

Phone: (678) 915-2634


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    Our Client Reviews

    Jamie L. Gingold, PC
    5.0 / 5.0

    Based on 28 reviews

    Jack L.

    They did an excellent job with my case. Jamie took the time to really listen and understand things. She delved into the details and was extremely knowledgeable and non judgmental. Very professional and they know what they are doing. Would definitely recommend!

    Karen B.

    Dear Mr Gingold, There are so many reasons to be thankful for all you have done and will do. Anyone who has ever had unfavorable experiences with an attorney or the legal system will feel the trepidation that I experienced once I realized that my situation seemed hopeless. It was by chance and happily good luck that I decided to put my future and sanity into your hands. I was mortified at having to deal with my debts by claiming bankruptcy. I remember in our first meeting how you assured me that I was not alone and should not feel ashamed. And, anyone in this position obviously does not have money to spare and you were clear about all the costs and allowing me to pay according to my own ability to do so. You advised me in all aspects of the law, but also, you were at each meeting incredibly supportive and complementary of my personal and professional plans. Anyone else in this situation should feel blessed to have access to your expertise and support.

    Lyla B.

    I thought the process of filing bankruptcy was going to be a difficult one. However, Gingold & Gingold treated me with respect and dignity from the moment I walked through their door. I had the pleasure of working with Jamie. She is very responsive, professional, and knowledgeable. She took the time and listened to my every concern and handled each and every one of them to my satisfaction. My experience with filing bankruptcy under Gingold & Gingold's representation exceeded my expectations in a major way. They gave me such a peace of mind. I am very pleased with my decision of going with Gingold & Gingold to represent me when I filed Chapter 13 bankruptcy.

    Julie T.

    Wow! I am finally out of debt and can say that I am debt free after completing my chapter 7 bankruptcy case with Gingold and Gingold. Mr dangled was very knowledgeable and direct with regard to my debt situation. there were no surprises and the case went as I was advised. The staff was also very helpful whenever I had a question. I will definitely recommend them in the future to my friends.

    Julie T.

    I contacted getting old and getting old regarding some old tax debt and credit card debt that I needed to address and had been putting off. miss Irving in the office was very very nice and put me at ease. I met with Jaime Gingold. She was very nice and explained the procedure to me and what would be left owing to the Internal Revenue Service and the State of Georgia after my case was done. My case has now been completed and I am on my way to a new start. Thank you Gingold and Gingold for all of your help.

    Anna T.

    Amazing! Outstanding!! They went over and beyond..I would recommend them to anyone needing a lawyer!!

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