This is my second time speaking with Josh about my (nightmare) spousal consolidation loan, and he was wonderful, just as he was before. Many new laws have been enacted since my last meeting with Josh, so I knew immediately whom I needed to call for guidance. He is extremely knowledgeable and has the ...ability to explain complex changes simply and clearly. He helped me understand the many upcoming student loan changes, told me exactly what steps to take immediately, and prepared me for what lies ahead. I feel MUCH better knowing I have Josh to guide me through this process. I highly recommend him to anyone with student loans, even if you don't think you need him! Although I sought his advice primarily for the spousal consolidation loan, he told me things about my other loan that I definitely did not know, and he offers a FREE analysis (to see if he can help) of your situation before you even spend a dime. There is literally nothing to lose and much to possibly gain. Thanks so much again, Josh!

My wife and I consolidated our student loans into a spousal consolidation 2 decades ago. We both have careers in public service (nurse and teacher) that would qualify for loan forgiveness. Spousal loans in time became defunct and all of those stuck with them were severely restricted in repayment/for...giveness options. We consulted Joshua Cohen a few years ago and then again recently. Mr. Cohen has gone above and beyond in service to help us. With his help negotiating convoluted new laws in the student loan arena, we will be finally getting due forgiveness after years and years of burdensome payments while our balance continued to balloon. We thought the loans were a life sentence of debt. That’s not the case anymore! Thank you for helping to free us!! Barnie and Rebecca Weaver

Joshua Cohen responded within twenty-four hours to my request for assistance with options for paying off federal student loans. I was offered calendar options so could work within my own schedule to pin down a consultation date and was able to talk with him within just a few days of initial contact. ...His rate for this consultation was more than fair considering the knowledge I gained from our half-hour phone conversation. After explaining my options and talking me through their differences, he immediately sent the documents I would need to set my choice in motion. Our phone call was recorded (with my permission) and emailed to me which makes all the information we covered easily accessible if I grow foggy on details. Thanks to Mr. Cohen, I now feel confident and informed enough to take the steps necessary for loan consolidation and repayment. Should I get overwhelmed or flustered with time constraints, his fee for completing the paperwork and required steps for me is entirely reasonable. Altogether, seeking Joshua Cohen’s legal advice turned out to be the ideal approach. Highly recommend!