I had a consultation with Josh about my student loans, which had been in default for 6 years. I was so confused by all the different bills and I wasn't sure what was the best way forward. Josh took the time to explain things to me in a compassionate and professional way, so that I would know what the... best option was. I really appreciate his upbeat and friendly attitude. I think that he is doing very important work, not just me personally, but for all the other people in American society who are struggling with these issues right now.

We consulted with Mr. Cohen recently regarding our spousal consolidated FFEL loan. This loan has been a source of great frustration and stress for our family over the years. After our consultation we have a clear picture of our possible options, and why other options are not possible. He was extre...mely helpful and kind, and we definitely intend on following up with him. I would absolutely recommend that anyone struggling with student loans consult with Mr. Cohen.

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!!!!!!