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 GC Services Violations
Harassment through excessive calling frequency
Threatening garnishment in states where it's limited
Failing to honor written cease communication requests
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 GC Services
GC Services collects government and student debts — verify with the original agency
Federal student loans have specific protections — don't let collectors mislead you
Government debts may have different rules — research before engaging