$ 200-500 per hour
Joshua R.I. Cohen
also known as Cohen Consumer Law
About Joshua
Biography
I am The Student Loan Lawyer. 100% of my practice is dedicated to student loan law. No matter what your circumstances are, if you have an issue with your student loans, I can assist. If you're in default and trying to get out or simply trying to avoid default, I can assist. Want to know your rights, I can assist. Wondering if a debt colletor is telling you the truth about consequences of default or how to cure the default, I can assist.
Bankruptcy doesn't always help, but even there I can let you know. Maybe you qualify to have your student loans discharged. I'll tell you what I think your odds are and I might even take your case.
Talking to me gets you three things: clarity, control, and confidence.
Remember, you went to school to live, you don't live to pay your loans.
Practice Areas
2
Practice Areas
Fees and Rates
Cost
Hourly Rates
Contingency
33%-50%
Pro bono
5 %
Retainer
Sometimes
Payment Methods
- Cash
- Check
- Credit Card
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Chat withLicenses
Licensed in Vermont for 11 years
State: Vermont
Acquired: 2014
No misconduct found
Licensed in Connecticut for 17 years
State: Connecticut
Acquired: 2008
No misconduct found
Location
Cohen Consumer Law
PO Box 1040, Saint Albans, VT, 05478
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Joshua R.I. Cohen's Reviews
Avvo Review Score
854 Client Reviews
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Practice Areas
Bankruptcy & Debt (411)
Debt Settlement (402)
Debt & Lending Agreements (171)
Debt Collection (33)
Consumer Protection (22)
Lawsuits & Disputes (18)
Education (6)
Identity Theft (3)
Social Security (3)
Administrative Law (2)
Contracts & Agreements (2)
Credit Repair (2)
Business (1)
Chapter 13 Bankruptcy (1)
Elder Law (1)
Estate Planning (1)
Family (1)
Financial Markets and Services (1)
Government (1)
Litigation (1)
Tax (1)
What Clients Mention
Practice Area Knowledge (397)
General Knowledge (270)
Recommendation (197)
Communication Style (174)
Case Results (118)
Professionalism (118)
Cost of Services (104)
Advocacy (86)
Character & Conduct (53)
Compassion (40)
Responsiveness (40)
Trustworthiness (32)
Payment Plans (17)
Staff & Support (14)
Punctuality (6)
Free Consultations (5)
Showing 1 - 5 of 174 reviews | Communication Style
Posted by Morgan | March 13, 2026
Great Consultation!
My consultation with Josh was great! He discusses your situation logically and frankly but in a very kind manner. His analysis was practical and helped me feel at ease. Thank you Josh!
Posted by Britney | January 23, 2026 | Debt Settlement
Consultation Worth Every Penny
Joshua was extremely knowledgeable and was able to educate me about all of the avenues I have available to me. I'm optimistic about my options and the outcome of my private student loan debt thanks to my consultation with Joshua.
Posted by Erika | January 20, 2026 | Bankruptcy & Debt
The lawyer to hire for student loan issues
Joshua is a fountain of information. He answered every question I had in detail and gave me various different scenarios. I am feeling so much relief now, knowing that there is hope for a good future. I will definitely be hiring him to tackle my private loan mountain.
Posted by anonymous | September 02, 2025 | Hired Attorney
Don't hire him
This lawyer was rude and unhelpful. Emailing with him was stressful. He yelled in CAPS! in the emails, and mixed up my case facts, (saying he doesn't know my case) even after I explained it again. He would only speak to me once on the phone, so I had to try to figure everything out through email. Whe...
Joshua Cohen
Replied last September 04, 20251) I sent you one e-mail with all caps as it was reminding you of a point we had just spoken about. That didn't stop you from e-mail me 30 more times afterward. 2) You only paid for an analysis call. You did not hire me to help you or further assist you, nor did I offer because I gave you a step-by-step plan. 3) Answering 30 e-mails in the span of 4 months was over and above assisting you for the single call you paid for. 4) You never answered my last e-mail to further assist you. I'm glad you've found someone willing to work with you, and hope you get the resolution you're looking for. I understand that sometimes personalities clash, and perhaps I'm not the best person to assist.
Posted by Patricia | July 28, 2025 | Hired Attorney | Bankruptcy & Debt
Light at the end of the tunnel
From Consultation to hire. Josh was complete and thorough. He went through all my student loan info - a long and bumpy trail I might add. He explained EVERYthing to me - to MY understanding - questions even Navient, AidVantage and Mohela could not answer. From a daunting overwhelming debt to somethin...
Joshua R.I. Cohen's Lawyer Endorsements
"I attended Josh's Student Loan Lawyer Workshop and I recommend it for other attorneys. I endorse Joshua's services as a consumer protection and bankruptcy attorney."
"I endorse this lawyer.Joshua Cohen is by far one of the most knowledgeable persons that I have come across in the area of student loans. I have been fortunate enough to attend his lectures at National Association of Consumer Bankruptcy Attorneys Conferences where it is clear that his grasp of student loans, the options and solutions is at an expert level. Joshua is very responsive and has a great personality that fits well with helping people who are having issues with their student loans. I would highly recommend Joshua."
"Joshua is an extremely skilled attorney and an expert in his field of practice. I endorse this lawyer and would be happy to refer any potential clients requiring his assistance."
"Joshua is a smart lawyer who cares deeply about his niche, and to great the benefit of his clients and consumers everywhere. I endorse this lawyer."
"Josh is the go to guy for bankruptcy attorney across the country who need help with student loan issues. He teaches us how to handle our student loan matters and is a great resource when we run in to tough issues. I recommend Josh to anyone with student loan issues!"
"I endorse attorney Joshua Cohen. He is a nationally recognized expert in student loan law. I've attended his Student Loan Law Boot camp, I've attended legal conferences at which he spoke, and I've worked with him on student loan cases. He really knows his stuff, he's a tough and practical lawyer, and his heart's in the right place. You can't go wrong with Joshua Cohen on your student loan case."
"Josh is probably the pre-eminent student loan lawyer in the country. He has made a career based upon helping students solve their student loan issues. The great thing about Josh is that he is willing to share his knowledge with other consumer attorneys. If I have a student loan question, Josh is the source that I turn to for answers."
"Josh is quickly becoming one of the nation's top experts in student loan law. Whenever I have a student loan question, he's the first one I call!"
"I endorse this lawyer."
"Josh has a national reputation in the field of student loan law. His seminars on that topic have been helpful and informative. He provides a breath of fresh air regarding strategies to deal with loans that are highly protected from being challenged, yet he has managed to find a way to get it done."
"I endorse this lawyer's work - I have known Atty Cohen since we were law school classmates. His reputation and his dedication to clients is second to none."
"I endorse Joshua Cohen. Joshua focuses his career on helping people with student loans. The student loan epidemic is at an all-time high right now. Thankfully, there are lawyers out there, like Joshua, that help people with their mounting student debt. Joshua also spends time giving free legal advice on Avvo, which is commendable."
"I endorse this lawyer. Joshua is the go-to attorney on student loan debt. I attended his first student loan bootcamp and was totally impressed by him and his knowledge of student loan law - so much so that I requested NACBA (National Association of Consumer Bankruptcy Attorneys) to invite him to speak at our 20th Annual Convention in San Antonio last month. As a NACBA board member, I was able to review the evaluations from the conference and Josh was a HUGE hit. If I needed someone to help me with a student loan problem - Josh is the first person I would call! If you are considering attending one of his boot camps - don't think twice - just go! You won't regret it."
"Joshua Cohen is an experienced and thoroughly knowledgeable attorney when it comes to student loans and other debt issues. He is a zealous advocate for his clients, and as one of the few other attorneys in the country specializing in student loans, I do not hesitate in referring people his way."
Kathryn Tokarska
Debt and lending agreements lawyer | Aug 30
Relationship: Fellow lawyer in community
"I endorse this lawyer. Joshua is knowledgeable and passionate about the student debt."
"Joshua Cohen is the only laywer I know who has any knowledge of student loan law- and this has been invaluable to the clients I have referred to him for advice on how to handle student loan repayment. He knows about all the programs out there to get people out of default and back in repayment- even knows how to get your "payment" down to $0 and get you out of default! How great is that?!?!"
"Josh is an extremely bright attorney who is particularly knowledgeable in the area of student loan and debt collection defense and debt collection practices.."
James Michel
Bankruptcy and debt lawyer
Adam Minsky
Debt and lending agreements lawyer
Sarah Poriss
Debt collection lawyer
Daniel Blinn
Litigation lawyer
Experience
Work Experience
2006 - 2008
Law Clerk, Consumer Law Group
Associations
2013 - Present
Vermont Bar AssociationMember
2012 - Present
National Association of Consumer Bankruptcy AttorneysMember
2008 - Present
National Association of Consumer AdvocatesMember
2008 - Present
Connecticut Bar AssociationMember
Education
2007
Quinnipiac University School of Law
JD - Juris Doctor
2002
University of Phoenix
MBA
1996
Brandeis University
BA - Bachelor of Arts
Speaking Engagements
2015
National Association of Consumer Bankruptcy Attorneys
Student Loans and Bankrupcy
2013
National Association of Consumer Bankruptcy Attorneys
Student Loans and Bankrupcy
2012
NACBA Annual Convention
Student Loans and Bankruptcy
2012
Connecticut Bar Association CLE Course
Student Loan Law Overview
2011
NCLC Consumer Rights Ligiation Conference
Student Loan Law & FDCPA Actions
2011
NACA Webinar
Student Loan Law Overview
2011
Connecticut Bar Association CLE Course
Student Loan Law Overview
Publications
2012
Bloomberg TV
Student Loan Debt on the Rise
2012
Chronicle of Higher Education
Complaints Soar Over Student-Loan Collections
2011
Hartford Business Journal
Lawyer Developing Niche in Student Loan Debts
2011
SF Gate (San Francisco Chronicle On-line
In Student Loan Hell? Here's How to Get Out.
2011
Connecticut Law Tribune
For Student Loan Defaulters, It's Payback Time
2010
Kiplinger
Digging Out of Student Debt
Languages
English
Activity
Legal Answers
Legal Guides
Legal Answers
Q&A
I need to know what state that I should file a lawsuit in to collect a promissory note.
05 Dec 2021
Q&A
Can a lawyer help me at this point?
16 Nov 2021
Q&A
What do I do about an outstanding tuition bill that I believe should have been dischargeable in bankruptcy.
15 Nov 2021