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Student Loans Serving Families Throughout Massachusetts and Connecticut

Massachusetts Student Loan Relief Lawyer

Experienced Representation for Student Debt Relief

At the Law Office of Glenn F. Russell, Jr., P.C., we’re proud to provide reliable representation to students navigating the complexities of student loan management and debt relief. Since 2007, our skilled advocate has helped young people resolve complex student loan disputes throughout Massachusetts, empowering them to turn the page and reclaim their financial freedom.

We are aggressive in court, friendly on the phone, and unparalleled in our results for clients seeking relief. Our seasoned student loan relief attorney can fight for the favorable outcome you deserve while keeping your unique goals in mind during the legal proceedings, liberating you to take back your life and recover your economic security.

Reach out to our office or call (888) 400-9318 to learn how we can deliver the customized legal solutions you require to meet your unique needs.

Financial Challenges Faced by College Students in 2023

Students who are unable to pay off their loans in a timely manner can be hit with a myriad of legal issues, including unexpected lawsuits, tax refund intercepts, wage garnishments, and more. They may also be on the receiving end of abusive treatment from creditors as a result of delayed repayment.

Fortunately, our firm’s extensive understanding of debt repayment allows us to fight for our clients while maintaining a personable and compassionate approach. Whether you’ve been paying off your student loans for months or decades, our Massachusetts attorney has the legal knowledge and diverse skillset to guide your steps wisely.

Biden-Harris Administration Launches 2023 SAVE Plan

Paying off your student loans shouldn’t put you in financial distress. Unfortunately, Congress passed a law preventing further extensions of the student loan payment pause, with student loan interest set to resume on September 1, 2023.

In August, The Biden-Harris Administration introduced the 2023 SAVE plan (“Saving on A Valuable Education”). The income-driven repayment plan has the potential to cut many borrowers’ previous monthly payments in half and leave some without a monthly bill altogether.

While federal student loans that were in default at the time of the student loan payment pause are not eligible for the SAVE program, there are still options that you can pursue to remove your loan from default and start paying back your student loan under a repayment plan, restoring your peace of mind and financial health in Massachusetts.

Federal Student Loan Repayment Programs in 2023

Life doesn’t always go as planned. When you first signed up to receive financial aid or agreed to the terms of a student loan, you were predicting what your financial situation would be like after graduation—and for many graduates, reality can paint a very different picture.

As of 2023, there are nine federal repayment plans available that provide various options for recalculating and potentially forgiving a portion of student loan debt. However, each program is unique and comes with its own diverse set of criteria, legal conditions, and eligibility requirements, making it all the more important to consult with a trusted debt relief attorney before making important legal decisions regarding federal repayment plans.

Need help managing student loans? Call (888) 400-9318 to schedule a consultation with a trusted student debt relief attorney in Massachusetts. 

Contact a Trusted Debt Relief Attorney in MA

Attorney Glenn F. Russell, Jr. has over 15 years of experience helping clients navigate life’s most difficult financial situations, making our team uniquely suited to evaluate your financial profile and determine your eligibility for specific programs.

From the first phone call to the final court date, we’ll collaborate closely with you to achieve a favorable outcome and liberate you from longstanding debts. We help clients navigate student loan management, repayment, and forgiveness by assisting with the following steps:

  • Ensuring all legal requirements are met under your selected plan – All federally approved programs require you to “recertify” your income every year. To do so, you will be required to complete the recertification. Our firm can assist you during a brief telephone, virtual, or in-person meeting.
  • Determining which program is best suited for your needs – After a thorough analysis of your student loan records, financial profile, and income, our firm can determine your eligibility for each of the nine federally approved student loan repayment programs. Each program differs in how they forgive, restructure, or consolidate your debt. The report also provides us with the background information necessary to advise you on the best course of action to ensure you maintain a healthy financial profile.
  • Working to keep regular payments reasonable and affordable – Our firm can keep you informed and recommend an appropriate repayment program based on your unique circumstances. We’ll work to keep your monthly payment as affordable as possible by basing the monthly amount on how much you make, as opposed to how much you owe.
  • Determining potential eligibility for loan forgiveness – Our experienced lawyer can assess your unique legal and financial situation to determine whether you qualify for full or partial student loan forgiveness by the federal government.
  • Consolidating student loans in default – Our skilled advocate can help consolidate any defaulted loans into one new federal student loan, cure existing defaults, and set up one easy payment to a sole loan servicer to get your financial health back on track.

Getting Started with Student Loan Repayments

To get started with student loan repayment, the first and most important step is to request an analysis of your student loan debt with our experienced legal team. After the analysis is complete, you will be provided with your options based on the qualification factors required by the federal government and the Department of Education.

It's important to understand that securing strong representation can be necessary, even for those who aren't actively in the middle of a legal dispute. Many students and graduates may require an attorney’s help to manage their student loans and eliminate the potential for future lawsuits. Our team can inform you of the legal options available for repayment while ensuring your regular payment isn’t higher than necessary.

We also offer guidance to those with questions about student loan repayments in the wake of major life changes, such as unemployment, divorce, parenthood, and more. If needed, our firm is prepared to help you consolidate, refinance, or do whatever is necessary to bring your student loans down to a level you can work with.

Take the First Step Toward a Debt-Free Future

When it comes to student loan management, it’s imperative to handle your student debt responsibly to avoid lasting financial and legal ramifications. With various legal options available to you, there’s no need to sacrifice your quality of life or peace of mind regarding student debt relief. Our firm has over 15 years of experience to help you navigate the legal complexities of student loans and debt relief in Massachusetts. Call (888) 400-9318 to request an appointment with our Massachusetts student loan attorney.

Our Massachusetts debt relief attorney has successfully resolved a variety of student loan disputes. Contact us online to request a case evaluation. 


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  • Looking for legal advice?
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The Law Office of Glenn F. Russell, Jr. is here to help you and provide legal guidance as needed.

Hear From Our Happy Clients

"Attorney Russell has been God-send to us!"
Attorney Russell has been God-send to us! He took our cases and turned them around! Best lawyer we've ever had!
- Earl F.


  • Do I really need a foreclosure lawyer?
    Absolutely. Should you need foreclosure defense counsel, only an experienced attorney can determine which course of action is best for you. Whereas predatory scam artists try to prey on your financial vulnerability, a skilled foreclosure defense attorney genuinely can look out for the best interest of you and your family. Legal advice must be practical and efficient in order to be effective, so if you need strong legal guidance, trust that The Law Office of Glenn F. Russell, Jr. can offer the counsel needed to successfully navigate the complicated legalities of foreclosure or bankruptcy.
  • Third parties are offering to help my foreclosure process. How do I know who to trust?

    Perhaps one of the greatest obstacles individuals encounter during the foreclosure process is learning who to trust and who to avoid. Due to the nature of the foreclosure process, descriptions of any homes being foreclosed may be published and accessible as public information. It is a sad truth that there are fraudulent companies that prey on public lists of foreclosing homes and attempt to take advantage of a people's financial vulnerability.

    You may be contacted by mortgage brokers, mortgage negotiators, or mortgage holders. You may also be contacted by a Massachusetts bankruptcy attorney or a private financier who offers to help you sort out your finances. These parties may be dependable sources of legal and helpful advice during your foreclosure.

    Unfortunately, there are frauds and scam artists who will try to take your home or your money without providing any sort of service. A general word of advice we give to clients to follow is: If a deal sounds too good to be true, it probably is. Avoid scams with the help of a qualified attorney from our firm!

  • What happens at a foreclosure sale?

    It doesn't happen all the time, but if you have exhausted all of your legal alternatives and feel as though a foreclosure or short sale is the last resort, you need to know what to expect.

    No foreclosure sale is exactly the same, but for the most part, the foreclosure sale process typically involves the following:

    • Lenders must first send a notice of a foreclosure to the homeowner. The notice must be sent at least 14 days prior to the foreclosure sale date.
    • A foreclosure sale will take place at the date, time, and place specified in the foreclosure notice.
    • The foreclosure sale will be conducted by a licensed auctioneer. The auctioneer will read various legal notices, descriptions, and documents pertaining to the property.
    • The auctioneer will take bids on the property, take deposit checks, and accept the highest bid to close the foreclosure property sale.
    • Parties - including the mortgagor, the purchaser, and the auctioneer - will draft a foreclosure deed, which must be recorded and filed at the Registry of Deeds.
    • A grace period - typically 30 days - will be given to allow the purchaser to line up financing.
    • A closing will take place, and the new owner will formally take title to the foreclosed property.

    All monies paid by the new purchaser will go toward paying real estate taxes, owed mortgages, and payments to creditors or other debts owed on the property. If no one at the foreclosure sale is able to bid a high enough amount to cover the debt of the property, then the balanced owed - called a deficiency - would then be the liability of the old owner.

Why Choose The Law Office of Glenn F. Russell, Jr.?

  • 100's of Clients Helped
    Glenn has helped hundreds of clients through their bankruptcy & foreclosure issues.
  • Offering 100% Free Consults
    Talk through all of your legal options during a free consultation.
  • Over 15 Years of Experience
    Glenn has been stepping forward to help homeowners through foreclosure for years.

Contact The Law Office of Glenn F. Russell, Jr. Today!

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