I have been very frustrated trying to settle a student loan bill. I reached out to Atty Cohen, after speaking with his very pleasant admin, who sent me very detailed steps on what I needed to fill out prior to the phone consultation. Speaking with Atty Cohen, I was given advice with steps I could tak...e to settle the disputes. He was knowledgeable, and very helpful. I’m still waiting on the outcome but I feel as though I have some legal representation should I need to take the case farther. I’m very happy I scheduled the phone conference.

I have federal student loans that are in default. Mr. Cohen offers a half hour consultation for two hundred and fifty dollars. I took advantage of his service, and it was the best $250 I ever spent. He has an obvious mastery of student loan law, and he was able to use this knowledge to explain the... different options available to me. I enjoyed speaking to Mr. Cohen, and came away from the conversation confident I was on the right path. I hope to hire Mr. Cohen to represent me in my efforts to resolve my student loan debt.

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.