I scheduled a 30 minute analysis with Josh on the recommendation of two local attorneys. I had been through the wringer by a Department of Education collection agency over the previous 6 weeks, and had recently learned that despite attempts to arrange a repayment plan, my wages were about to be garni...shed. I didn't know what to expect from my consultation with Josh, but I figured I had nothing to lose. Josh put me at ease almost immediately with some fairly simple and sound advice. He asked specific questions about my case and assured me that despite my feelings of hopelessness, I did have options. He also gave me a "homework" assignment and said that he wanted to know the results. I think that for me, as an older, retired teacher, his promise of continued legal assistance and support was what I needed to hear. Josh's calm and casual affect on the phone is reassuring. He was clearly prepared for our consultation - had read the documents I sent him 2 days prior to my appointment. When all you're hearing are lies, threats, and intimidation from an agency you're trying to deal with, it's important to know that there is real help. I strongly recommend Josh for an analysis and consultation of any school loan issues you might be having. My $199.00 fee was well worth the time and preparation.

Attorney Cohen provided me with many options regarding my student loan debt. He clearly answered all of my questions and provided expert advice. His 30 minute telephone consultation provided me with peace of mind that I have not experienced in the past 5 years! In my opinion, he is THE guru student l...oan attorney! If you are in debt with student loans, harassed by Navient's incessant telephone calls and letters, experience countless sleepless nights, and feel as if you are drowning and there is no end in sight, then Attorney Joshua Cohen is THE attorney you should consult TODAY! Thanks to Joshua, I have options and no longer feel as though I am in a hopeless situation. Thank you, thank you, thank you, Attorney Cohen!

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.

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.