Private Student Loan Help Blog
Expert information on private student loan default, collections, debt validation, and your legal rights. Written by PSLA Center — the original private student loan debt validation program since 2012.
Where Is Your Promissory Note? Why Private Loan Collectors Often Can't Prove You Owe Them
A copy of your promissory note isn't enough for a collector to legally force you to pay. Learn how private student loan debt gets bought and sold — and why the chain of title so often breaks down in ways that protect borrowers.
Read article →Can't Afford Your Private Student Loan Payments — What to Do
Struggling to afford your private student loan payments? Unlike federal loans, there are no income-driven repayment plans or forgiveness programs for private loans. Learn what options actually exist and why calling PSLA Center first could save you from a costly mistake.
Read article →Sued on a Private Student Loan — What to Do and Who Is Actually Suing You
Been sued by Sallie Mae, Navient, Southwood Financial, Rock Creek Capital, Jefferson Capital, or Credit Corp Solutions? These lawsuits are beatable — but only if you act fast and have the right knowledge. PSLA Center provides unmatched consulting support.
Read article →FDCPA Rights for Private Student Loan Borrowers
Private student loan borrowers have powerful legal rights under the Fair Debt Collection Practices Act. Learn what collectors can and cannot legally do, and how PSLA Center uses these rights with a proven track record.
Read article →AES Private Student Loan in Collections — What Are Your Options?
AES (American Education Services) services private student loans for Citizens Bank, PNC Bank, NCSLT and others — it is a servicer, not a lender. Learn what AES can and cannot do and how PSLA Center's debt validation program can help.
Read article →How Debt Validation Works for Private Student Loans
Debt validation is the most effective legal tool available for private student loan borrowers in default or collections. Learn how it works, why collection agencies fail to prove ownership, and why PSLA Center has a proven track record since 2012.
Read article →Navient Private Student Loan Default — What Are Your Options?
If your Navient private student loan is in default or collections, you have more options than you think. Learn what Navient can and cannot do, what happens when debt is sold to collectors, and how our debt validation program helps.
Read article →Private Student Loan Statute of Limitations by State
The statute of limitations on private student loan debt varies by state — typically 3 to 10 years. Learn what applies to your state and why you should never make a payment without calling us first.
Read article →What Happens When Your Private Student Loan Goes Into Default
Learn exactly what happens at each stage of default, what lenders and collection agencies can and cannot do, and what options you actually have under the FDCPA.
Read article →Have a private student loan question? Call us for a free consultation.
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