What Are Your Legal Options If You Can’t Afford Your Student Loans in California?

July 31, 2025

What Are Your Legal Options If You Can’t Afford Your Student Loans in California?

If you're overwhelmed by student loan debt, you're far from alone. In California, thousands of borrowers are stuck trying to manage payments they can no longer afford. Whether you're newly graduated, supporting a family, or nearing retirement, the stress of student loans can be financially and emotionally exhausting.


At Joshi Law Group, we work with individuals and families across San Diego to take back control. If you’re struggling with student debt, legal solutions exist—and you don’t have to face this challenge alone.


Why You Shouldn’t Wait to Get Legal Help

Far too many borrowers wait until their loans are in default before reaching out for assistance. By then, the consequences can be serious—wage garnishment, lawsuits, damaged credit, and growing interest.


The sooner you speak with a legal professional, the more options you’ll have. Whether your goal is reducing monthly payments, avoiding collections, or eliminating the debt altogether, the right legal strategy can make a real difference.


Legal Strategies That May Help With Student Loan Debt

Review for Forgiveness or Discharge Eligibility

In certain cases, you may qualify for discharge of student loans—particularly if you've suffered a permanent disability, your school closed unexpectedly, or you were misled by an educational institution. These applications are complex, and a lawyer can help you gather the proper documentation and build a compelling case.

Consider Bankruptcy for Student Loan Relief

While not every loan qualifies, some borrowers may be able to eliminate or reduce student loans through bankruptcy. This requires filing an adversary proceeding to demonstrate undue hardship. It’s a legally challenging process—but not impossible. We help determine if this path fits your overall financial picture and guide you through it strategically.

Legal Defense Against Collections and Lawsuits

If you're in default, you may be facing wage garnishments or legal threats from aggressive debt collectors. A student loan attorney can help protect your rights, challenge unlawful actions, and negotiate settlements when appropriate.

Explore Repayment Options with Legal Oversight

Income-driven repayment plans, forbearance, deferment, and consolidation may be helpful—but they are not one-size-fits-all. Many borrowers are placed in plans that don’t actually serve them long-term. We help assess the legal and financial impact of these programs and ensure you’re not missing more effective solutions.


How Legal Guidance Protects You

Student loan servicers are not obligated to act in your best interest. Their job is to keep the loan active—not to eliminate your burden. An attorney works on your behalf, explaining your rights and options clearly, helping you avoid scams, and advocating for the best possible outcome based on your circumstances.


At Joshi Law Group, we take the time to understand your full financial picture—student loans, credit cards, medical bills, and beyond. Our goal is not just temporary relief, but a pathway to real, lasting financial recovery.


Speak With a California Student Loan Attorney Today

If you're struggling to afford your student loan payments, don’t wait until the situation gets worse. Whether you're barely keeping up or already in default, there is legal help available.


Joshi Law Group serves individuals and families across San Diego and throughout California, providing clear legal solutions for overwhelming debt.

Call 619-332-2784 to schedule a confidential consultation, or visit us online to learn more:
 www.joshilawgroup.com


Take the first step toward financial clarity. We're here to help you move forward.

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