Consumer Protection for Private Student Loan Borrowers

Your Rights Under the Fair Debt Collection Practices Act

The FDCPA is a federal law that limits what debt collectors can do and say when collecting debts. Collection agencies must follow these rules — and many violate them regularly when contacting private student loan borrowers.

• Collectors cannot contact you before 8am or after 9pm
• Collectors cannot use abusive, threatening, or obscene language
• Collectors cannot make false statements or misrepresent themselves
• Collectors cannot claim to be attorneys or government officials if they are not
• Collectors must stop contacting you if you request it in writing
• Collectors must provide written validation of the debt if you request it

⚠️ Beware of This Scam Company

PSLA Center pioneered private student loan debt validation in 2012. Our success attracted copycat operations that have tried to imitate what we built — without the knowledge, experience, or legitimacy behind it. The most dangerous of these is currently operating under multiple websites.

Beware of Debt Settlement Scams

Many companies market "debt settlement" as a solution for private student loan borrowers. This is ineffective and often predatory for private student loan debt specifically:

• Private lenders — Navient, AES, Sallie Mae, Wells Fargo — generally do not agree to settle private student loan debt
• Debt settlement companies collect monthly fees while holding your money in escrow, doing nothing
• Your debt continues to grow with interest and fees during the process
• Your credit continues to be damaged
• You may owe taxes on any forgiven amount

Debt validation — what PSLA Center does — is fundamentally different. It is a legal challenge to the collection agency's right to collect, not a negotiation. And we have a 99% success rate.