The more complete your documents, the faster and more accurate your review will be. Here's what to gather before your consultation — and why each item matters.
Your loans
- Your studentaid.gov loan summary. It shows each federal loan, its type, its balance and who holds it. This is the most important document you can bring.
- Statements and letters from your loan servicer. Recent statements, plus any letters about default, collections, forbearance or repayment plans.
- Promissory notes, if you have them.
Your bankruptcy case
If you've already filed:
- Your case number
- Your petition, schedules and statement of financial affairs
- Your discharge order, if you received one
Your income and expenses
- Tax returns for the last two years
- Recent pay stubs, or proof of Social Security, disability, pension or other income
- A rough list of your monthly expenses: rent or mortgage, utilities, car, insurance, medical costs and so on
Your repayment history
- Any applications for income-driven repayment, deferment or forbearance — and any approvals or denials
- Notes on times you contacted your servicer, if you kept them
Don't worry if your payment history is spotty. Missed payments don't automatically disqualify you.
Your hardship statement
In one page or less, in your own words, explain why repaying your student loans is a hardship. Think about your health, your age, your work history, your family responsibilities and whether your situation is likely to change.
Protect your information
Before sending any documents, black out all but the last four digits of Social Security numbers and account numbers. Once you hire us, you'll upload everything through our secure client portal — please don't email documents before then.
Ready?
Call 702-386-8600 to schedule your free consultation.