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 Harris & Harris Violations
Threatening arrest or criminal prosecution for civil debt
Adding unauthorized collection fees
Failing to provide proper mini-Miranda warning
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 Harris & Harris
Harris & Harris collects government and municipal debts — verify with the issuing agency
Parking tickets and municipal fines have specific appeal processes
No collector can threaten arrest for consumer debt — report this immediately