Private Student Loans Only — Not Federal

Private Student Loan Assistance

If you are in default, collections, or can't afford your private student loan payments — there is a solution. We pioneered private student loan debt validation in 2012, when no one else was helping private loan borrowers. We have helped thousands get relief. Free consultation, no obligation.

📞 Call (858) 799-0381 Free Consultations ↓
✅ 99% Success Rate
⭐ BBB A+ Rated
🕐 Original Program Since 2012
🔒 Free Consultation

Get Assistance Now

NOT A LENDER — Private Student Loans Only — Min. $15,000 in debt

By clicking "Contact Us" you agree to be contacted by PSLA Center for a free consultation regarding your private student loan situation.

Disclaimer: We do not provide debt settlement, debt management, or debt relief services, nor do we provide any credit services, credit repair, or offers relating to credit, banking products and services, or any financial planning and management services. We are not a lender and do not give loans. We only assist with private student loans — not federal loans.

Or call us directly: (858) 799-0381

99% Success Rate
2012 Original Program Founded
A+ BBB Rating
$0 Consultation Fee

How We Can Help

We work exclusively with private student loan borrowers — not federal. If your loans are in default, collections, or you're falling behind, we have a proven legal solution.

Private student loan in default — PSLA Center debt validation help

Private Student Loans in Default

Defaulted on your private student loans? We challenge the lender's or collection agency's legal right to collect. In many cases, the debt can be legally invalidated.

Learn more →
Private student loan in collections — consumer protection rights FDCPA

Private Student Loans in Collections

Collection agencies must prove a valid legal right to collect your debt. Many cannot produce this documentation, especially on older debts that have been bought and sold multiple times.

Learn more →
Stressed borrower behind on private student loan payments — get help

Behind on Payments

Struggling to make monthly payments? Don't wait until your loan goes into default. Contact us now to understand your options before the situation worsens.

Learn more →
Private student loan debt relief — celebrate getting your life back

Debt Validation Program

Our core program legally disputes the collection agency's right to collect. They must provide documented proof of ownership. If they can't — the debt is invalidated.

Learn more →
Consumer protection rights for private student loan borrowers

Consumer Protection

You have rights under the Fair Debt Collection Practices Act (FDCPA). Collection agencies routinely violate these rights. We fight back on your behalf.

Learn more →
Private student loan forgiveness options — PSLA Center

Private Student Loan Forgiveness

There are no federal forgiveness programs for private loans. But through debt validation, the debt can sometimes be legally eliminated. Learn what options actually exist.

Learn more →

Why You Should Contact Us

In 2012, when federal student loan programs were being introduced and private loan borrowers had absolutely nowhere to turn, we built the debt validation program for private student loans from the ground up. No one else was doing it. We founded PSLA Center in 2015 after three years of proving the program worked.

Anyone else claiming to do what we do today learned it from what we built. No competitor has our depth of knowledge, our track record, or our expertise in this specific area. Our knowledge is unmatched — and our results prove it.

  • ✓ The original program — we pioneered private student loan debt validation in 2012 when no one else was helping private loan borrowers
  • ✓ 99% success rate helping people with Navient, AES, National Collegiate Student Loan Trust, Wells Fargo, and others
  • ✓ BBB A+ rating — earned through results, not accreditation fees
  • ✓ 12+ years in business — longer than any other organization in this specific field
  • ✓ Free consultation — no obligation, no pressure, just answers
  • ✓ Nationwide service — we have helped borrowers across the country
📞 Call (858) 799-0381 — Free Consultation

⚠️ Beware of Scam Companies

There are copycat companies like privatestudentrelief.com and privatestudentaidnow.com operating deceptively in this space. They copied our website content verbatim when they launched and have since been exposed as fraudulent operations funded by an offshore shell company.

Read the full scam warning →

We only help with Private Student Loans:

Navient / Sallie MaeAESMOHELANCSLTWells FargoDiscoverKeyBankCollege Ave

Our Debt Validation Program

This program works if your private student loans are in default, collections, or behind on payments. Here is how it works:

1

Free Consultation

We review your situation at no cost and determine if you qualify. Minimum $15,000 in private student loan debt required.

2

We Dispute the Debt

We formally challenge the collection agency's legal right to collect on your account under federal consumer protection law.

3

They Must Prove Ownership

The collection agency must produce complete documentation proving a valid chain of title from the original lender.

4

Debt Invalidated

If they cannot provide legal proof — and many cannot — the private student loan debt is legally invalidated.

Learn More About Debt Validation

Frequently Asked Questions

Common questions from borrowers struggling with private student loan debt.

Private Student Loans in Default & Collections

When a private student loan goes into default — typically after 90–120 days of missed payments — the lender can send your account to collections, report the default to credit bureaus, and in some cases pursue a lawsuit to obtain a judgment against you. Unlike federal loans, private lenders have no income-driven repayment or government forgiveness programs. However, defaulting does not mean you are out of options. At PSLA Center, we challenge the collection agency's legal right to collect and, in many cases, have the debt invalidated. Call us at (858) 799-0381 for a free consultation.
You have significant rights under the Fair Debt Collection Practices Act (FDCPA). Collection agencies must prove they have a legal right to collect on your specific debt, including a valid chain of ownership. Many cannot provide this documentation, especially for older debt bought and sold multiple times. If they cannot validate the debt, it can be legally invalidated. PSLA Center has a 99% success rate in this situation. Call (858) 799-0381.
Yes — there is a legal way to get rid of private student loan debt. For loans in default, collections, or behind on payments, PSLA Center uses debt validation to legally challenge the collection agency's right to collect. Many agencies — especially those collecting on older debt sold multiple times — cannot prove a complete chain of ownership. When they fail, the debt can be legally invalidated. We have a 99% success rate with lenders including Navient, AES, NCSLT, Wells Fargo, and others. Call (858) 799-0381 for a free consultation.
NCSLT is one of the largest holders of private student loan debt in the U.S. — but it is not a lender. It is a group of investment trusts that purchased private loan debt originally issued by banks. Because this debt has been bought, packaged, and resold many times, NCSLT and its collection agencies frequently struggle to produce documentation proving legal ownership. Courts across the country have dismissed NCSLT cases for this reason. PSLA Center has extensive experience challenging NCSLT debt. Call us at (858) 799-0381.

Private Student Loan Help & Relief

You have more options than most people realize. PSLA Center's debt validation program is designed for borrowers who are behind on payments, in default, or in collections. Our program legally challenges the collection agency's right to collect your debt. We are not a lender and do not refinance loans. The program requires a minimum of $15,000 in private student loan debt. Call (858) 799-0381 for a free consultation.
Debt settlement is rarely effective for private student loan debt. Private lenders — including Navient, AES, Sallie Mae, and Wells Fargo — generally do not agree to settle the way credit card companies sometimes do. Debt settlement companies will hold your money in escrow collecting interest while doing nothing. You should never pay a collection agency on a private student loan. Debt validation is a fundamentally different and far more effective approach. Call us at (858) 799-0381.
Extremely rarely. To discharge private student loan debt in bankruptcy, you must prove "undue hardship" — a standard courts apply very narrowly, requiring a separate adversarial proceeding. In most cases, private student loans survive bankruptcy, and bankruptcy leaves the most severe negative mark on your credit report. PSLA Center's debt validation program is a legal alternative with a 99% success rate. (858) 799-0381.

Private Student Loan Forgiveness

There are no federal forgiveness programs for private student loans. PSLF, income-driven repayment forgiveness, and Teacher Loan Forgiveness apply only to federal loans. However, private student loan debt can be legally invalidated through debt validation when a collection agency cannot prove its legal right to collect. This is not government "forgiveness" — it is a legal process. PSLA Center has helped borrowers get relief from Navient, AES, NCSLT, Wells Fargo, and others. Call (858) 799-0381.
Federal loans are issued by the U.S. Department of Education with income-driven repayment, PSLF, and deferment protections. If you have federal loans, contact the Dept. of Education — PSLA Center does not handle federal loans. Private loans are issued by banks and private lenders such as Navient, Sallie Mae, AES, MOHELA, and Wells Fargo. They have no government forgiveness programs and far fewer borrower protections. Not sure which type you have? Call us at (858) 799-0381 and we can tell you. See our full comparison →
We can help if: your loans are private (not federal), you have at least $15,000 in private student loan debt, and your loans are in default, in collections, or you are behind on payments. We offer a free consultation to every prospective client. 99% success rate, A+ BBB rating, 12+ years in operation. Call (858) 799-0381 or fill out the form on this page.

Ready to Get Relief from Your Private Student Loans?

Free consultation. No obligation. We have helped thousands of borrowers across the country — let us help you too.

📞 Call (858) 799-0381 Fill Out Free Consultation Form