🎓 Student Loan Solutions in Las Vegas.
Struggling with student loans? You’re not alone — and you don’t have to face it without help. Whether it’s from a university, trade school, or co-signed loans, these debts can linger for decades and hold you back from building the life you deserve.
At A Fresh Start Law, attorney Dorothy Bunce has helped Nevadans tackle overwhelming debt for over 35 years. She’s here to guide you with clarity, compassion, and real solutions. 💡
📞 Call (702) 551-3256 today to schedule your free consultation. Saturday appointments available!
😰 Why Student Loans Feel So Overwhelming.
- 📈 Education costs have skyrocketed — even trade schools can be expensive.
- 🔄 Repayment is complex, with changing programs and confusing servicers.
- 👨👩👧 Families often co-sign loans, taking on debt themselves.
- 💔 Life happens — illness, job loss, or caregiving can derail repayment.
If this sounds familiar, you’re not alone — and there are options.
🛠️ How We Help Solve Student Loan Debt.
Dorothy Bunce creates a tailored plan based on your financial situation and loan details.
📂Step 1: Gather Your Loan Info.
- Log in at and download your “Aid Data” file.
- Keep it in its original format — we’ll use it to run specialized software.
🧠Step 2: Review & Strategize.
- How many loans? What types?
- Are you current, in deferment, or default?
- Do you have co-signers?
- What can you realistically afford monthly?
🔍Step 3: Explore Your Options.
- 💵 Income-driven repayment (based on what you can afford).
- 🏥 Public Service Loan Forgiveness (PSLF) for qualifying careers.
- 🤝 Settlement or negotiation of private loans.
- ⚖️ Bankruptcy-related relief (in rare cases of “undue hardship”).
🛡️Step 4: Protect Your Rights.
We help you avoid costly mistakes like:
- Applying for the wrong program.
- Missing deadlines.
- Being denied benefits you actually qualify for
👩⚖️ Why Work With a Student Loan Lawyer?
Government servicers often give incorrect or inconsistent info. Dorothy Bunce offers:
- ✅ Clear explanations in plain English.
- 🧭 Guidance through both bankruptcy and student loan law.
- 💬 Honest advice on settlement, forgiveness, or bankruptcy.
- 🕊️ Peace of mind knowing someone is fighting for your fresh start.
💸 Student Loan Forgiveness & Relief Programs.
Depending on your situation, you may qualify for:
- 🏛️ PSLF: Forgiveness after 10 years for government/nonprofit workers.
- 📉 IDR: Payments based on income; forgiveness after 20–25 years.
- ⚖️ Hardship Discharge: In rare cases, loans may be wiped out in bankruptcy.
- 💬 Private Loan Settlement: Negotiation may reduce your balance.
❓ Student Loan FAQ.
Can student loans be included in bankruptcy? The law requires that all debts be listed in a bankruptcy case. But including or listing a debt, such as a student loan, is not the same as having the debt discharged or eliminated. Discharge of student loans is rare but possible under the standard of repayment that causes an “undue hardship.” Anyone wishing to discharge their student loan in bankruptcy must file a lawsuit within their bankruptcy case to determine if they meet this criterion.
What if I can’t afford payments? Income-driven plans may reduce payments — sometimes to $0 — without default.
What happens if I ignore my loans? Default can lead to wage garnishment, tax refund seizure, and credit damage.
Can private loans be settled? Yes, but negotiations must be handled carefully to avoid worsening your situation.
📋 Student Loan Consultation Checklist.
Bring these items to your first meeting:
- 🧾 Loan Info: Aid Data file + private loan paperwork.
- 📆 Payment History: Last payment date, deferment/default status.
- 💰 Financial Snapshot: Pay stubs, tax returns, monthly expenses.
- ❤️ Special Circumstances: Family support, medical/employment issues.
- 🎯 Your Goals: Lower payments, stop collections, explore forgiveness.
🔐 Tip: Save your Aid Data file in its original format — don’t re-save it!
We are happy to serve many locations in Clark County, including:
🌟 Ready for Relief?
Don’t let student loans control your future. With the right plan and guidance, you can move forward with confidence.
📞 Call (702) 551-3256 or reach out online to schedule your consultation with Dorothy Bunce.