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Stanley Love Tate III

Debt settlement Attorney at Frontenac, MO

4.7   26 reviews

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About Stanley

Learn Stanley’s areas of practice.

Practice areas

I’m a student loan lawyer and bankruptcy attorney in St Louis MO (see here). I help people with student loans stop stressing about how they're going to pay their loans. I educate them. I give them a plan. And I'm always there for them. Just one phone call away.


Helping folks with their student loans is my life's work.


Student Loan Forgiveness + Cancellation


I review borrowers student loans to see if they qualify for various student loan forgiveness and cancelation options. For example, I check to see if they qualify for:


 - Public Service Loan Forgiveness

 - Income-Driven-Repayment forgiveness

 - Loan Repayment Assistance Programs

 - Profession based forgiveness (teachers, medical professionals, etc.)

 - State-based forgiveness programs


I also review if their loans can be canceled because they are totally and permanently disabled, or they attended a school that's now closed or if they left school and didn't get a refund.


In short, I'm going to do all that I can to try and get your loans eliminated. (Read more here.)


Student Loan Repayment Plans


I also help people lower their monthly payment on both their federal and private student loans. With me, you're guaranteed to get the lowest monthly payment possible on your federal student loans. And with your private loans, I promise I'm going to fight to get you a payment you can afford.


Student Loan Settlement


Another thing I do for people is help them settle their federal and private student loans. Admittedly, with federal student loans settlements are rare. They're hard to come by. And when you can get them, the borrower usually has to come up with a lump sum settlement that's equal to his principal.


Not a good deal at all.


But with private student loans, the story is different.


Good settlements can be hand. I've had some clients settle their private loans for .25 cents on the dollar. Most though end up settling between .40 and .65 cents on the dollar.


I'm super proud to say that in the past year, I've made a difference in my clients lives. After I settled their debt, they no longer stressed about how they were going to pay back all those thousands of dollars. They could now focus on enjoying life and becoming the best version of themselves.


My commitment to clients


But for clients, I wouldn't have the life that I have. I'm so thankful for that. To think, I'm just a kid from the south side of Chicago. Now I'm out here helping people deal with this nation's biggest financial problem.


This life is amazing. I truly appreciate the opportunity my clients give me. They hire me to help. They trust me to do my job well. I respect them for that. And I'm committed to doing just that.


My process


The first thing that will happen is that you'll contact me and explain your problem. I'll listen intently because every case is unique. I'll also ask a bunch of questions to make sure I understand exactly what's going on.


During that call, I'll tell you whether or not I can help you and how much I'm going to charge you. Usually, that cost will come in the form of a flat fee, which can be paid in one lump sum or via a payment plan. (If you choose the payment plan, the cost goes up slightly.)


If we agree on the price and the scope of the work you want me to provide, we'll schedule an appointment. That meeting can take place in person, over the phone, or with Skype. I'm flexible.


Most times, I'll be able to solve your student loan issue during that phone call. If that's not the case with you, I'll let you know how long I think the process will take. I'll give you my personal number so you can reach me directly to find out what's going with your case.


Look, here's what you need to know:


I got your back.

Photos and videos

My time protecting this country from enemies both foreign and domestic was the greatest experience of my life. It helped me shaped me into the attorney and man that I am today. I'm super thankful that I got the chance to serve this country.
I'm always ready to solve your student loans. But first...
We don't have to meet in office. Let's grab a latte or smoothie and get to work on your loans.
Licensed for 8 years
State MO
Status Good Standing, Active
Acquired 2014
Updated 01/01/2023

We have not found any instances of professional misconduct for this lawyer.

Contact Stanley

Tate Esq LLC
745 Old Frontenac Square
Suite 202
Frontenac, MO, 63131


4.7 / 5.0
  26 customer reviews
5 Star
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1 Star
Posted by Marion | March 12, 2022
This review is from a person who hired this attorney.
| Hired Attorney
Finally! A solution for Student Load Debt!
Frankly, I was finding it impossible to maintain my home and family while paying student loans. I came across Tate law while searching the internet for help. After checking further and finding the firm to be legitimate, I scheduled an appointment. I found Stanley Tate to be professional, personable, and I daresay --patient. He was able to answer all my questions, and by the end of our conversation he assured me that he would help me to find reasonable solutions. It's been over a year since my first appointment with him and I feel as though a tremendous burden has been lifted from my shoulders. Rather than losing sleep as I had been for years, I only wish I had called him sooner.
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Posted by Ryan | November 30, 2021
This review is from a potential client who consulted with this attorney.
| Consulted Attorney
Helped me understand the TEPSLF Program
I had a 15-minute phone conversation with Mr. Tate to confirm my understanding of the new TEPSLF (Temporary Expanded Public Service Loan Forgiveness) program) and in less than 10 minutes he had me fully understanding my eligibility and the steps needed to apply. Such a wealth of understanding and an innate ability to make it understandable. Thank you Mr. Tate for your time and your public service to help people understand!
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Posted by Ron | August 26, 2020
This review is from a potential client who consulted with this attorney.
| Consulted Attorney
Generous, Super knowledgeable Highly Experienced and Diligent
I have a two decade issue with my defaulted student loan and Mr. Tate gave me detailed and surgically precise advise to clear my issue. Thanks Stanley.
Posted by anonymous | June 23, 2020
This review is from a person who hired this attorney.
| Hired Attorney
Extraordinary service and results
Mr Tate helps you understand the complexities of student loan management, puts you at ease, helps you understand possible solutions and supports you with the selected solution, calmly and quickly. I lived abroad for a long time and when I got back I found a student loan surprise (and nightmare), which Mr Tate efficiently solved for me. I could not have done it on my own. It is clear he is a specialist in the field. He is also a class act in terms of customer service, friendly approach and professionalism. Highly recommend!
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Posted by Dakarai | February 6, 2020
This review is from a person who hired this attorney.
| Hired Attorney
Excellent Service
After finding out about Mr. Tate’s service through social media, I contacted him and hired him to shepherd the upgrade of my student loans out of default status. My loans have now been consolidated, they are current, and my rates are low and payments are very manageable. Mr. Tate was very professional, personable, and patient (when I was not timely in my responses/ submissions). I highly recommend his services; I am a verified customer!
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Posted by anonymous | December 12, 2019
This review is from a person who hired this attorney.
| Hired Attorney
Sued by NCSLT
I hired Stanley for my student loan "issue". We had our phone apt and through the long months he was always quick to respond to questions. He is always pleasant to talk to. Stanley drove 4 hrs one way to court for me with good results. He was worth the investment over defaulting. I highly recommend you give him a call if you need help with your student loans. Thank you again for all your help!!
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Posted by Erica | October 16, 2019
This review is from a person who hired this attorney.
| Hired Attorney
Tate Can Solve Your Student Loan Nightmare
If you need help with a student loan situation, Tate is your guy. My only regret is that I didn't meet him sooner. From scheduling a consultation to completing the settlement, he made the process simple. Tate is an absolute professional - very competent but also friendly. He put me at ease in an otherwise very stressful and uncertain situation. Tate set clear expectations up front and remained in regular communication throughout the process, which for me took several months. Everything he told me in our consultation that he anticipated would happen basically happened that way. He deals with these situations a lot and it shows. He managed to negotiate my settlement for even a little lower than he originally estimated (44.5%). Don't get me wrong, the settlement amount was still a lot of money considering I'd already paid back the amount borrowed to begin with. That had nothing to do with Tate though. He helps you work through the REALITY of the situation. It doesn't mean the situation is pretty. If you weren't feeling trapped in a hole you can't climb your way out of, you probably wouldn't be considering his services, right? :) I tried strategically defaulting (unsuccessfully) on my own in 2016. The lowest offer I ever received from the creditor was 67% of the balance. That was after months of regular phone calls, them calling my family, etc. It was awful. I strategically defaulted again in spring 2019 and after a couple of months of going at it alone again with no success, I found Tate's website. It's exhausting talking to these folks, even once a week. They run through the same script over and over. At that early level of collections, you're not getting anywhere with them anyway. The process consumes your energy that is better spent on things that will actually produce a positive result in your life. Within a couple of days of finding his website, I had a consultation and he'd outlined a plan moving forward. As soon as we had an agreement in place, he took over all communication with the creditors and they stopped calling me. This alone was such a relief. I really stopped thinking about it except when he updated me. Because he was so good about communicating, I sort of knew what time frames to expect. People can try to go at this alone, but with near certainty most people would not be able to produce the same result as Tate. The fact that he's an attorney and you've hired him tells the creditors you're over it and doing something different. He is familiar with all of the creditors, their collection units and even many of the people in each unit. I have no doubt that his representation 1) expedited the process, 2) improved the result, and 3) preserved my sanity and 4) gave me peace of mind about my future. If you're realistic about your situation, then Tate can help you better than you can help yourself. It's really that simple. I hope this helps someone. I am so thankful I found him and he helped me resolve this issue that has weighed on me for so many years, despite trying to pay off the loans in good faith.
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Posted by Matthew | October 4, 2019
This review is from a person who hired this attorney.
| Hired Attorney
I can't say enough about Mr. Tate. He was able to get rid of massive student loans for both me and my brother by utilizing his vast knowledge of the system. Mr. Tate was always prompt in responding, extremely informative, genuinely kind and extremely caring. He took the lead on the entire process and always kept me informed and in the loop. Not to mention he is extremely reasonably priced given the services he provides. Thank you Mr. Tate!
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Posted by Derrick | July 15, 2019
This review is from a person who hired this attorney.
| Hired Attorney
Student loans
I hired Mr. Tate to help me with my loan default problem and he has definitely helped fix the problem. Furthermore, Mr. Tate actually has expertise in the student loan area. The other lawyers I contacted, were actually bankruptcy lawyers. I would definitely recommend Mr. Tate if you are in need of help with your student loans.
Posted by anonymous | July 1, 2019
This review is from a person who hired this attorney.
| Hired Attorney
Best of the best
Stanley Tate organized and applied for the refinancing of my delinquent student loan. I was desperate for help and he was really answer to prayer; professional...honest...timely and a nice guy to boot! Highly recommended
Posted by Donna | June 28, 2019
This review is from a person who hired this attorney.
| Hired Attorney
Professional, Responsive with Results
I hired Stanley from out of state to assist my daughter in resolving her complicated student loans that were in default. In a short time frame he was able to put the loans in good standing and manageable payments. His good communications kept us informed and greatly appreciated.
Posted by anonymous | June 26, 2019
This review is from a person who hired this attorney.
| Hired Attorney
Great Lawyer
Fantastic person and service I highly recommend Mr. Tate he gets the job done. I am a very satisfied customer. He has gotten my student loans out of default.
Posted by anonymous | August 10, 2018
This review is from a person who hired this attorney.
| Hired Attorney
Thank You
After spinning my wheels and getting nowhere, I found Stanley. He was very professional, knowledgeable and thoughtful. He was the voice of reason and reality when emotions took over. Thank you for your support!
Posted by Chere Wise | August 30, 2017
This review is from a person who hired this attorney.
| Hired Attorney
This man is the best attorney. His attitude, patience, knowledge is just a few things to name the package deal you get for his services. Thank you so much is a understatement. Words can not express the day I came in your office, you changed my life from that point forward!
Posted by Andrew | January 25, 2017
This review is from a person who hired this attorney.
| Hired Attorney
Worked quickly and got my loans out of default
Stanley was awesome! I had a ton of student loans, including a few in default. Stanley got all my loans out of default and got all my loans consolidated! I would absolutely recommend him to anyone in the same boat. Thanks for all your help!
Posted by Adam | November 23, 2016
This review is from a person who hired this attorney.
| Hired Attorney
Bankruptcy Made Simple!
Mr. Tate is so understanding and easy to talk to. He responds to text messages very quickly! He kept me informed at every step. He made the whole process quick, painless, and simple! THANK YOU STANLEY!
Posted by KC | October 4, 2016
This review is from a potential client who consulted with this attorney.
| Consulted Attorney
A rare find for student debt expertise and clear answers to your questions
Mr. Tate was helpful, responsive, and, above all, straight-forward and honest about the options available whether with him, on my own, or even with a local attorney. His honesty alone is worth five stars, but his genuine expertise when it comes to student loans and debt is a rare quality.
Posted by Vanessa | April 27, 2016
This review is from a person who hired this attorney.
| Hired Attorney
Highly Recommended Student Loan Attorney!!!
Mr. Tate gave me personalized advice and patiently walked me through the process of my student loans. After ending the consultation, I felt great and empowered that I had taken the first steps to taking control of my student loans. I highly recommend Mr. Tate to anyone that needs assist with their student loans. As I move forward in my student loans journey, I will always remember the contribution of knowledge from Mr. Stanley Love Tate.
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Posted by Jim | April 17, 2016
This review is from a potential client who consulted with this attorney.
| Consulted Attorney
You made my day!
Mr. Tate was clear and specific. He was very understanding, and provided thoughtful insights to help me resolve my debt issues. If you need help with your student loans or debt, he's the guy to call.
Posted by Krystal | April 16, 2016
This review is from a potential client who consulted with this attorney.
| Consulted Attorney
Highly Recommended!!!
My experience with Mr. Tate was wonderful. I was very frustrated, lost, and didn't think there was any hope for my student loans. Mr. Tate helped me out of a bad situation and I feel relieved. He is very knowledgeable, professional, and trustworthy. I highly recommend Mr. Tate to anyone struggling with their student loans.
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AVVO RATING 6.2 (Good)

Work Experience

  • Attorney
  • Tate esq llc
  • 2014 - Present


  • Thurgood Marshall School of Law
  • JD - Juris Doctor
  • 2013
  • Southern Illinois University, Carbondale
  • BS - Bachelor of Science
  • 2004
  • Howard University School of Law
  • JD - Juris Doctor
  • N/A

Languages Spoken

  • English

Attorney endorsements

Received (1)
Given (1)
Endorse Stanley
Debt settlement Attorney | Mar 21
Relationship: Fellow lawyer in community
"Stanley is one of the smartest and kindest lawyers you will get to meet in your life. He's a pleasure to work with and he genuinely cares about his clients. And there are not many lawyers in the country who are as thorough and expert in their understanding of student loan law."
Bankruptcy and debt

Avvo Contributions

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Frontenac Debt settlement Lawyer Stanley Love Tate III
Stanley Love Tate III
Debt settlement Attorney
Frontenac, MO
Licensed for 8 years