Hi. I'd been dealing with federal loan issues since 2000. I'd written to State reps (FL), have spoken with an unknown number of FL DOE staff, enlisted a federal Ombudsman; and have experienced garnishment and default. I have a graduate degree and dedicated the first 20 years of my career to non-for-p...rofit work; all I expected from the State was a reasonable monthly payment. Fast forward...6 years ago I consulted an attorney who told me to go see him when I had $75K in cash; clearly that never happened. I was referred to Joshua and figured the consultation fee was worth the potential guidance; I wasn't wrong, because it was. He answered my very specific questions (and while some of the answers were not what I'd wanted to hear), he did assure me that my kids would not inherit my debt (one of my greatest concerns); that my S.S. benefits would not be garnished (hoping to retire in the next 5-6 years); and recommended a program which became fully available in 2015. It had become available in 2009, with some iterations and should have been recommend to me by the state's DOE. This program will allow me to pay a reasonable monthly amount (less than what I pay now); and afford me to continue to build my 401K and savings. Most importantly it's income based, so whenever my current income is affected by retirement or inability to work, the monthly payment will be determined by what I bring in. That said and pretty important to me, Joshua came across as knowledgeable, was engaged and mostly...he listened. He was empathic and provided me the choice of applying to the program on my own, or through him-- I never felt any pressure. I share this truly believing that he can be of help and because I believe him to be the kind of guy that will be honest; a straight shooter. I walked away feeling better informed and equipped to make financial decisions which could potentially impact my retirement. Thank you, Joshua.

Prior to consulting with Joshua for a student loan analysis I was feeling defeated, discouraged, and heavily burdened. After our consult I feel a weight has been lifted and I have a solid direction and approach to handling the student loan burden/debt. Joshua was professional, knowledgeable, and is w...illing to be kept in the loop should future things develop.

Faced with a dire situation regarding my future, I contacted Joshua and set up an appointment. Within the first minute, it became clear that he had researched my specific situation and that he had a variety of options for me. My dread quickly turned to relief and now I have a real plan for my finan...cial future.

Mr. Cohen was extremely knowledgeable and helpful regarding my massive student Loan debt. It was validating to hear actual solutions to my problems that I attempted to solve on my own previously. The consultation alone lifted a huge weight off and gave me hope back that I can manage this once and fo...r all. I wish I called sooner! I am looking forward to actually seeing progress!