45% of students who graduated with a bachelor’s degree last year will owe student loan debt.  The average loan was approximately $30,000; however that loan depending on the payment and interest rate could balloon to over 6 figures by the time it is paid off.  Student Loan debt has become a crisis similar to the mortgage crises of the early 2000s, and many have likened it to predatory lending.  We have been successful at not only discharging student loans on a hardship in bankruptcy but also lowering the amount owed in litigation with student loan lenders after students and parents have been sued for a default, as well as counseling borrowers on the various loan repayment, deferral and forgiveness  program.