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 Cavalry SPV Violations
Filing lawsuits without proper documentation
Misrepresenting amount owed due to added fees
Failing to dismiss cases when debt is validated as incorrect
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 Cavalry SPV
Cavalry is a special purpose vehicle — demand proof of debt purchase
Always answer lawsuits — default judgments are hard to overturn
Request dismissal with prejudice if they can't produce documentation