Joshua R.I. Cohen

My lawyer really gave me the real deal on various ways for me to reduce my student loan debts. He debunked some common misconceptions and presented some realistic solutions in relation to my debt. I feel very hopeful.

I consulted with Joshua to discuss my student loans that have been a source of stress for over a decade. Joshua was very informative about the student loan repayment process. He provided me with options as to how I can best pay off my student loans. I have a plan and I could not be happier. I hired Joshua to assist me in preparing the necessary paperwork to consolidate my student loans. Thank you Joshua!!!

Mr. Cohen helped us understand options for my son to repay his high 5 figure private & government student loan balance. His current situation does not permit him to pay his living expenses and the monthly payments requested of him by the lenders. Mr. Cohen clearly and concisely explained his options and gave us the suggestions to properly fill out the applications. He is also available for follow-up questions to help in the process. We highly recommend his services.

Josh called and put my fears at ease. He gave great advise and options for me. If needed I will hire him to represent me that's for sure! Thanks Josh.

I had a 30 minute call with Josh today, and came away pleasantly surprised. Actually… I’m quite excited that I have options on a student loan that has been a complete nightmare for about 20 years. I’ll have him help me for a long time, until the loan is gone. He was very knowledgeable, and I would recommend at least a call with him if you are struggling with navigating student loan debt.

Atty. Cohen answered all my questions and provided solid advice regarding my student loans and best path forward for repayment and forgiveness. I was particularly pleased to learn that I only have 9 more years of payments when I thought that I would have to pay for another 13 years. Thank you Atty. Cohen, and thank you President Biden for helping working people by reducing the amount and time period for student loan repayments.

Joshua was very helpful, his follow-up was done quickly and thoroughly and he was very excited for me about the solution he had for my 31 year old student loan. It was great working with him. After reviewing my loan data that allowed him to see all relevant dates including initial dates of loans, potential consolidations, forbearances, delinquencies, etc., he assured me I was never in default and was eligible for a full loan discharge because of the length of my loan, which included loans related to a graduate program. He layed out what I had to do (consolidate my loan with the Federal Government) and provided 3 ways for me to do this and he very knowledgably explained the value and faults in each approach. He later provided all the information and links I need to make my decisions and or arrange for the consolidation myself if I wanted to do this on my own. He also reviewed for me what my self employment income based repayment might have been If I'd been provided a way to present just my income off my joint taxes with my wife. Finally he suggested a time frame for all of this to be done. A suggestion only as there is no transparency in timing on some of the process at the Department of Education. He then assured me he would be there for any questions or problems as this process goes forward. After our meeting, I had several questions, which he handled one after the other very quickly and thoroughly. I look forward to working with him, if needed, as this process goes forward. This so far appears to be the best $200 I've ever spent.

Mr. Cohen was very knowledgeable on alternatives for me to decide upon. Not only one approach but 3 different alternatives. The advice he gave me has given me a plan which gives me a better piece of mind for my future. I know this will be a long road but I feel better equipped to fight the long fight.

Attoeney Cohen was remarkable. He is knowlegable, diligent, and, most importantly, someone who cares about your case. He has principles and believes in justice - his mission is guided by his values and principles. An excellent experience. Following our meeting, I realized that my loan situation was less complicated than I though and got enormous peace of mind. Keep up the good work Mr. Cohen!

I had Joshua analyze my situation and give me advice regarding the best way to proceed with my student loans and forgiveness. His instructions were clear and on point, he provided easy to understand instructions, and he was very personable. I would absolutely recommend him to others.

Not only did Attorney Cohen answer all our questions, he recommended quick and easy resolutions to our student aid problems. He was fantastic!

Speaking with Joshua on 12/16/22 was very informative. I'm currently attempting to review my options on the best direction to move forward with addressing the forbearance steering practices which added to loan balance pushing me further in debt. Joshua provided much needed advice on how to deal with my balance that has been caused by Navient's harmful conduct. I'm currently reviewing the material provided by Joshua after my student loan analysis. I pray I'm able to settle this matter within an appropriate timeframe. Thank you for your assistance, Joshua.

I had a consult to discuss the best way to manage my loans. Josh was so clear, easy to talk to, non- judgmental. I found it to be so helpful and it also relieved a lot of the stress I have been carrying about managing my loans. Highly Recommended! I will certainly hire him in the future if the need arises.

Josh is a consummate professional. His deep expertise navigating the student finance landscape is obvious. I am an experienced finance attorney and his advice has been invaluable. Top shelf.

Sometimes I worry that people will judge me harshly because I have over $150k in student loan debt and make less than $60k in salary. It was really refreshing to talk with Mr. Cohen about my student loan situation and get clear about how the loans and servicers differ from one another, as well as about my rights and options as I figure out how to navigate those loans and move forward. Not only was he extremely knowledgeable about the student loan landscape, but he was neutral about my situation and never made me feel judged or pressured. He answered my questions, listened to my comments and concerns, and gave me clear steps for moving forward in my personal situation. I thoroughly enjoyed talking with him (imagine that!) and will readily hire him if I find myself needing more hands-on legal representation.