Denver Student Debt Management Attorney

Turn to Our Insightful Legal Team for Help

At The Law Offices of Jonathan P. Shultz, we understand people work hard to earn their higher education degrees in hopes of securing a job that will help them establish a suitable lifestyle and pay off their student debt. Unfortunately, having a degree from a university doesn’t mean you are guaranteed employment, which is why many people find themselves drowning in student loan payments they can’t afford.

If you are feeling overwhelmed because you have fallen behind on student loan payments that continue to accumulate high-interest fees every month, please get in touch with our reputable law firm so we can assess your situation and help you explore which options are available to obtain debt relief.


Call (303) 625-7995 today to speak to one of our friendly legal professionals about setting up a free consultation.


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  • Expertise - Best Bankruptcy Lawyers in Centennial
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Types of Student Loan Debt

There are two main categories of student loans: Federal and private. Federal student loans are backed by the government and are highly regulated, while private student loans are issued by banks. Private student loans generally have higher interest rates than federally backed loans.

If you are unsure of what type of loans you have, please reach out to our legal team so we can assess your situation and determine if you are eligible to negotiate your debt with lenders. 

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What Makes Us Different?

  • Inclusive
  • Pro-Union
  • Empathetic

Can I Discharge Student Loan Debt in Bankruptcy? 

Although you can discharge most of your debts when you file for Chapter 7 bankruptcy, student loan debts are not easily eliminated because there is a strict section of the Bankruptcy Code that makes private and federal loans non-dischargeable unless the borrower can prove that the debt presents an “undue hardship.” The standard for proving undue hardship to discharge student loan debt is incredibly high.

Filing for Chapter 13 bankruptcy allows you to manage your student loans much more effectively than filing for Chapter 7. Under Chapter 13, you can reduce the fees you pay each month and get an extension to your overall debt repayment plan. This can relieve part of the burden of your student loan payments.

How Can I Reduce My Student Loan Debt?

Eliminating student loan debt can be more complicated than discharging other forms of debt, which is why we suggest consulting with an experienced lawyer who can assess the details of your case and explain whether it is possible to reduce your student loan payments without filing for bankruptcy. There are options available to those struggling with student debt, and The Law Offices of Jonathan P. Shultz will gladly help you make informed decisions to protect your future and regain financial stability.


If you are ready to schedule your free case consultation with our legal team, please call (303) 625-7995 or contact our firm online.


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