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Are you struggling to pay back your student loans? You're not alone. According to American Student Assistance, the average student loan balance as of 2012 was $24,301. Of more than 37 million borrowers, 14 percent have a student loan that is past due. That is about 5.4 million people.

Many students expect to find well-paying jobs after their college graduation. This does not always happen. With tens of thousands of dollars in student loan debt and no solid means of repayment, many individuals default on their student loans.

Mission Valley attorney D.J. Rausa helps individuals who are struggling with student loan debt. Bankruptcy may offer relief and the opportunity to repay a certain amount of debt at an affordable monthly payment. To speak to him in a free consultation, please call toll free at (619)295-3322.

I Can't Pay Back My Student Loans. What Should I Do Now?

There is no one-size-fits-all solution for dealing with a large amount of student loan debt. It is advisable to speak to D.J. Rausa about your unique financial situation. There may be several options available to relieve you of your debt or pay back a percentage of your debt with an affordable payment plan.

Find out more about these related topics:

Contact a Mission Valley Bankruptcy Lawyer

Contact us to discuss your student loan debt and legal options. A free initial consultation is available with an experienced San Diego student loan debt relief lawyer.

Free Initial Consultation * Available Evening and Weekend Appointments

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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D.J. Rausa

With over 21 years of experience as a consumer bankruptcy attorney, D.J. Rausa stays on the cutting edge of Bankruptcy and Student Loan Law which enables him to provide vital information to his clients.


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Thank you Debt Doc!

I had no idea where to start with my bankruptcy and process. After my first meeting with DJ Rausa I felt confident that things were going to go well. He helped guide me through the entire process and time. 

He's very professional and courteous, thorough and extremely knowledgeable. 

I would recommend anyone that needs a bankruptcy lawyer/ student loans. 

Don't have a second thought when choosing DJ Rausa!

Posted by a client - February 15, 2016

AVVO Lawyer Rating is Superb!

Respected Legal Source

D.J. Rausa interviewed by the Wall Street Journal for article on Bankruptcy and Student Loan Debt.

Debt Doc's D.J. Rausa is recognized as a legal expert in Student Loan Debt Resolution and the associated Bankruptcy Laws.

Read what D.J. recently told The Wall Street Journal regarding the probable rise in Student Loan Debt Resolution through Bankruptcy.

Client Testimonial

To whom it may concern,
Debt Doc's attorneys are extremely knowledgeable with the complexities of Federal Student Loans.
I went from a thriving career to full medical disability, ending with an SSDI placement. Unfortunately, I lost everything and became unable to continue making the student loan payments, so it was in deferment for over five years. When the SSDI settled I tried to negotiate an affordable payment plan with the loan holders but they refused my efforts, instead demanding over twice the amount I could afford.
I contacted DJ Rausa at Debt Doc and found him to be courteous, responsive and quick to assess my situation. He was sure he could help and took time to answer all questions, which relieved much anxiety. Within months he successfully resolved the debt! With much confidence, I highly recommend Mr. Rausa.
Please contact me if you have any additional questions.
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