Student Loan Debt Relief Las Vegas

Q: What is an income-driven repayment plan?

Income-driven repayment plans set your federal student loan payment as a percentage of your discretionary income — typically 5-10% of what you earn above 150% of the poverty line. For many borrowers, this results in payments of $0 per month. After 20-25 years of qualifying payments, any remaining balance is forgiven.

Student Loan Debt Relief in Las Vegas

You Have More Options Than You Think. Let Us Help You Find a Path Forward.

Call Us: 702-605-5070

Student Loan Debt Is Not Hopeless

Student loan debt has become one of the most overwhelming financial burdens facing Americans today. The average borrower owes tens of thousands of dollars — and many owe six figures or more. With interest accruing daily, it can feel like the debt will never end.

The common belief that student loans can never be eliminated is simply not true. While standard bankruptcy discharge is difficult, a variety of federal programs, repayment strategies, and legal options exist that can dramatically reduce or eliminate your student loan burden.

The Riggs Law Firm will review every option available to you and help you build a realistic path to freedom from student loan debt.

Your Student Loan Relief Options

📊 Income-Driven Repayment

IDR plans cap your monthly payments at a percentage of your discretionary income — often $0/month for those with low income. Remaining balances are forgiven after 20–25 years.

🏛️ Public Service Loan Forgiveness

PSLF forgives federal student loan balances after 10 years of qualifying payments while working for a government or non-profit employer. Many borrowers qualify without realizing it.

🎓 Teacher & Other Forgiveness

Teachers, nurses, and other professionals may qualify for targeted federal forgiveness programs. We review all eligibility criteria specific to your career.

⚖️ Undue Hardship Discharge

In rare cases where repayment would constitute an undue hardship, student loans can be discharged in bankruptcy. Recent changes in DOJ guidelines have made this option more accessible.

How Bankruptcy Can Help with Student Loans

Even when student loans themselves cannot be discharged, bankruptcy can still provide major relief:

✅ Eliminate other debts so you can afford your student loan payments
✅ Stop collection on defaulted loans through the automatic stay
✅ Stop wage garnishment by the Department of Education
✅ Stop tax refund intercepts from defaulted federal loans
✅ Provide breathing room to rehabilitate defaulted loans
✅ Pursue undue hardship discharge through an adversary proceeding

A Comprehensive Review of Every Option Available to You

Student loan relief is complicated, and every borrower’s situation is unique. The Riggs Law Firm takes a comprehensive approach — reviewing your loan types, employment, income, family size, and goals to identify every available option.

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Federal vs. private loan strategies
We handle both — federal forgiveness programs and private loan negotiation strategies.

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Hardship analysis
We assess whether you may qualify for an undue hardship discharge in bankruptcy court.

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Integrated debt strategy
We combine student loan strategies with overall debt relief for maximum impact on your financial life.

Dan Riggs — Las Vegas Bankruptcy Attorney

Frequently Asked Questions About Student Loan Relief

Can student loans be discharged in bankruptcy?

Generally, student loans are not automatically discharged in bankruptcy. However, they can be discharged if you prove “undue hardship” through a separate legal action called an adversary proceeding. Recent changes in DOJ and Department of Education guidelines have made it easier for borrowers to qualify. We’ll evaluate your situation honestly during your free consultation.

What is an income-driven repayment plan?

Income-driven repayment (IDR) plans set your federal student loan payment as a percentage of your discretionary income — typically 5–10% of what you earn above 150% of the poverty line. For many borrowers, this results in payments of $0/month. After 20–25 years of qualifying payments, any remaining balance is forgiven.

Who qualifies for Public Service Loan Forgiveness?

PSLF forgives remaining federal student loan balances after 120 qualifying monthly payments (10 years) while working full-time for an eligible employer — including federal, state, and local government agencies, public schools, and most non-profit organizations. Many people work in qualifying jobs without realizing they may be eligible.

What happens to my student loans if I file Chapter 13?

In Chapter 13, you can include your student loan payments in your repayment plan, which may allow you to temporarily pay reduced amounts on your loans while catching up on other debts. The automatic stay also stops any collection activity on defaulted student loans during your case.

What about private student loans?

Private student loans have fewer forgiveness options than federal loans, but they are actually slightly easier to discharge in bankruptcy than federal loans in some jurisdictions. We can also negotiate directly with private lenders for settlements or modified payment terms. Contact us to discuss your private loan situation specifically.

You Don't Have to Carry This Debt Forever.

Let us review every available option for your student loan situation. Free, confidential consultation — no pressure, no judgment.

📞 702-605-5070