Student Loan FAQs

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Commonly Asked Student Loan Questions

Student loans have strict repayment requirements and typically cannot be discharged in bankruptcy, making them a serious source of stress for many of our clients. Keep reading for answers to some of our clients’ most common questions and a more complete understanding of your student loan options.

What type of student loans do I have?

There are many types of federal student loans, and your interest rate and repayment options may be dependent on which types of loans you currently carry. Some options available through the U.S. Department of Education include direct subsidized loans, direct unsubsidized loans, direct PLUS loans, and direct consolidation loans.

What are my repayment options?

The federal government offers numerous repayment options to accommodate people of varying income levels and family sizes. Many repayment options have income restrictions and are only available for certain types of student loans. Some repayment plans include the standard repayment plan, the graduated repayment plan, the pay as you earn repayment plan, and the income-based repayment plan.

How can I get my student loans out of default?

Once a loan is in default, you are at risk of additional financial issues, including wage garnishment or tax refund intercepts. There are three ways to make a loan current. First, you can repay the current due amount, although this obviously isn’t an option for most people in default. Second, you can consolidate your loans—but you can only do this once. Finally, you can do a rehabilitation program.

Can my student loans be forgiven?

If you work for a non-profit organization, work for the government, or work as a teacher, you may be able to have your loans forgiven through a public service loan forgiveness program after 10 years of on-time payments.

Why should I choose Ciment Law Firm to handle my student loans?

Our team has experience with all types of federal student loans and is well-versed in the various repayment options available to borrowers. We offer a free consultation, so you can feel confident about your choice and know that you’ve chosen a team that’s dedicated to your success and financial freedom.

Are you ready to get assistance with your student loans? We’re here and ready to talk. Contact us today to get your Federal Student Loan Analysis and schedule your free consultation.


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  • Options for All NeedsFrom bankruptcy protection to judgment lien releases and student loan assistance, our firm provides ample options to resolve your debts.
  • Experience on Both Sides of the FieldDaniel Ciment started his career at a debt collection law firm and now protects those in debt. His experience on both sides allows him to find solutions for his clients.
  • Compassionate and TransparentPatient and knowledgeable, the team is available to answer all questions and explain the process so that clients can reach their desired outcome.
  • Six Office LocationsSchedule your appointment at an office in Katy,

Cloud Title On Homestead

You must have a clear title when refinancing or selling a home, which is why an abstract of judgment is problematic. The judgment lien creates a title defect or a cloud on the title. This means that there is an unresolved issue that must be addressed before making any real estate transactions. Title companies enforce the lien as a way to protect themselves in case the home isn’t eligible for homestead exemption because it’s not your primary residence. If a title company allows the transaction to proceed and the property isn’t your homestead, it has to pay the judgment. Fortunately, a Texas judgment lien release lawyer can remedy this issue.

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Getting A Full Release

In some instances, you have to get a full judgment lien release. This completely releases the judgment, so it isn’t attached to you or your property. There are normally two options for obtaining a full release. First, you can pay the judgment in full. If you don’t have the means to do that, your Texas judgment lien release attorney might be able to negotiate a settlement. If the creditor accepts the settlement, you will receive a full release once it’s paid. Without taking action, the judgment will remain valid for 10 years. It’s important to contact a judgment lien release attorney to go over your options if you need a full release.

Proof Of Homestead

Judgment creditors often require proof of homestead before signing a partial lien release. Your Texas judgment lien release attorney will help you provide the necessary documents. You might need to submit an affidavit that states that the property is your homestead. The creditor also might require a tax certificate that proves you’ve filed for homestead exemption. In addition, the creditor might ask for affidavits from others that state that the property is your homestead, and you live there. In some cases, the creditor can even require the escrow agent to examine the property to ensure it’s your homestead. Due to the complexity of proving homestead, it’s a good idea to get help from a Texas judgment lien release attorney.

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