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.
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
Relevant Laws
Higher Education Act (federal loans)
FDCPA for private loan collections
FCRA for credit reporting
State usury laws for private loans
Expert Tips
Federal loans have no statute of limitations
Private loans have state SOL (typically 3-10 years)
Servicer errors are extremely common — audit your balance