Average student loan debt: $37,338. Federal student loans have specific protections. Private student loans are governed by state contract law. Income-driven repayment and forgiveness programs may apply.
Common AFNI Inc Violations
Robocalling without consent
Collecting debts already paid to original creditor
Inaccurate reporting of debt amounts
Student Loan Debt Dispute Strategies
1
Apply for income-driven repayment (federal)
2
Check eligibility for Public Service Loan Forgiveness
3
Dispute private loan terms under state contract law
4
Challenge servicer errors via CFPB complaint
5
Verify correct loan balance and payment history
Tips Against AFNI Inc
AFNI primarily collects T-Mobile and Sprint debts — get final account statements
Dispute equipment charges if you returned devices with proof
File TCPA lawsuit if they auto-dial your cell — statutory damages of $500-$1,500 per call