I found Joshua through an online search for loan forgiveness lawyers. I have $170,000 in total outstanding student loan debt and it's been a real source of stress and anxiety in my life. I specifically wanted to know how much of my income I could expect to outlay on incoming federal student loan paym...ents during my first year filing taxes with a decent yearly salary. I wanted to know what my options were and what I could expect. After sending Joshua all of my National Student Loan Data we arranged to have a consultation the following week. He got a brief rundown of my current income and was able to quickly come back to me with a payment figure and plan of action that was way less frightening than I thought it would be. He was really clear about what could and couldn't be done in terms of negotiating with loan providers and gave really thorough advice on what to consider - even for the plan that worked best for me. I might have wanted to know how he arrived at that number and whether or not I could have gotten an even more amenable figure. In a perfect world, I also would have better details from my conversations with my private student loan providers and would have wanted a plan of action on how to negotiate with them as well - but I understood that my options were limited when it came to private loan providers. In the end though, all of that is splitting very fine hairs when considering that I came away from our conversation with a much better understanding of what to expect and that I wouldn't have to give my first-born child to Sallie Mae - a sense of peace I wouldn't have had were it not for Joshua's counsel. He was even gracious enough to let me know to reach out to him in case things changed with my marital status to see if I could get the number re-adjusted in that case. And I had never had someone run through the 25-year timeline for Public Loan forgiveness with me before either. All in all, he was a very knowledgeable and reassuring legal professional for a process that completely eludes me. I couldn't recommend him enough to anyone interested in his services.

I was very nervous in discussing my financial woes with someone and Joshua made it so easy and made me feel very comfortable. He is extremely knowledgeable in all things related to student loans and I highly recommend anyone who may be uncertain of next steps in navigating the student loan maze. He g...ave me clear answers to my concerns and I now have a better understanding of what to do. He is absolutely a great resource and I really appreciate his time in talking with me!!!!!!

I was drowning in my student debt and Joshua Cohen saved me. He advised me on my options and helped me to see that my situation was not hopeless, and I could actually fight Navient and stop the harassment. If you are in default, like I was, nearing default or you just feel like paying your student lo...ans is a Sisyphean task, call Joshua Cohen, he can help.

Josh Cohen helped to clarify many of the options that are available to me to help me with my student loan debt. His experience as an attorney in this area offers a lot of knowledge to a person, like me, that needs his assistance. I am very glad that I have consulted in him. I now need to make a de...cision as to which direction to go. If my decision deems that I will need an attorney, I will hire Josh.

When the demanding telephone calls started and we began researching the Internet to determine if the calls for repayment were legitimate, the results didn't look good. "Another ripoff scam artist that thinks they've found easy pickings after my bankruptcy," I said to myself. These old unsecured stude...nt loans from my son received payments from the Chapter 13 and I assumed the debts were discharged. But the phone calls continued and multiplied. "Maybe you should call The StudentLoan Layer," my bankruptcy attorney said. So I did. The results were informative, I didn't get angry, and the consultation gave me a way forward. The bad news: the debts were still valid even though they received payments from the bankruptcy court. The truth: offer them a one time settlement. "Remember, you are in charge of the process," Mr. Cohen said several times. "If the collection agency gets rude, hang up on them." I wrote a letter to the collection agency, along with an initial check to stop the harassing telephone calls. At this point it is unclear whether they will accept my proposed settlement. But Mr. Cohen's consultation was invaluable. I will recommend him to anyone who needs sound advice.