Josh is very personable, sympathetic to the student loan dilemma and, most importantly, very professional, knowledgeable and gets right to the most critical aspect(s) of your case. He clearly knows the ins and outs of the student loan industry and all of the various things that loan providers try to... do to gain further profit from naive borrowers. If you are, like I was, wondering if maybe the fee might be better spent giving it to your loan balance know that knowledge is power and loan providers such as Sallie Mae/Navient use their superior knowledge and understanding of the US student loan system to devastating effect on millions of Americans. They use this one-side advantage to confuse, bully and intimidate millions into acting the way they'd like without really determining what is in the student's best interest. Without closing this informational asymmetry between you and your adversary, you are not going to be able to know what to do and, after the fact, if you made the right play or not. I am convinced getting solid information and advice in the beginning will save you far, far more in the long run. I know it has for me and Josh helped me get there. The added bonus is that now I don't wonder and worry about what they can or will do or what will happen or if I did the right thing or not, because I know. I know where I stand, what they can and cannot do, the limits of their real capabilities (quite different from what they'd like you to believe), and have a plan going forward. So no more sleepless nights worrying "what if.” I know. So if you want to arm yourself with good advice and information I would highly recommend Josh R.I. Cohen.

I've done all that I can to pay my student loan. With a compounding interest rate and no matter what I did I could never see light at the end of the tunnel. My talk with Joshua was the first time I saw the sun and it’s overwhelming. Joshua Cohen, set me on the right course to help me lift the burden ...of student loan debt off my shoulders. For some time I have spoken with my lender asking and even pleading for a lower interest rate or an easier method of payment and every time I was brushed off not even allowed to speak with a supervisor. It was not fair. I went to college for the purpose of having a better life. Why was I being punished for wanted an education to have a better life? Isn’t this what we were all taught: stay in school, earn a degree and the skies the limit? What our educators fail to mention to us is “only if the banks lets you see the sky”. Another thing my educators taught me was that slavery in America was abolished. I and many others like me who have been shackle by student loan debt know that today’s slavery practice goes by a different name, “The Federal Student Loan”. Joshua Cohen is a 21st century Abolitionist helping to set free all who are held captive by unfair student loan lending! I am a young black man and for the first time in a long time I am a free man. Hallelujah, I am a free man.

After speaking with Mr. Cohen, I now understand the full range of options available to me in terms of repayment plans. I am a healthcare professional with federal student loans in excess of $400k, and had considered changing career paths, refinancing to private loans, and several other less than idea...l options. I am grateful for the careful explanation I received as to why none of these is necessary. I had done a lot of previous research, but found that there are a number of options the Department of Ed and federal loan servicers don't often fully explain. I also appreciate that Mr. Cohen offered to refer me to a trustworthy financial planner as a next step.

I recently scheduled a 30-minute consultation with Attorney Joshua Cohen. Scheduling through the website was easy, and there was a follow up email with instructions to prepare for the call with a link to a short online form to help Mr. Cohen prepare for the call. He called promptly on time and was we...ll prepared to give sound advice. Even with some prior knowledge about my student loan repayment options, I still had some significant fears due to the size of my loans, the compounding interest, confusing forms, and misinformation I had read on the internet. Mr. Cohen made the most out of the 30 minutes and re-assured me on every count by providing the facts about the payment plans good suggestions for going forward. He really put my mind at easy. Mr. Cohen is very personable and easy to talk with, and his advice is on point and easy to understand. Immediately after the call he sent a follow-up email with information and resources we discussed over the phone. I highly recommend this 30-minute consultation with Mr. Cohen to anyone with fears or issues relating to student loans.