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Barrister Amna (Alevels Academy Islamabad)
  • 8/30/2024
A Levels Academy Islamabad
Transcript
00:00We pay a high price for education in this country.
00:04A price that oftentimes follows us around for years to come.
00:08Juggling repayment of your student loan while trying to live your life is not an easy thing.
00:13If you have defaulted on your student loan payment and don't take steps to rectify the situation,
00:18you may get sued.
00:20A lawsuit will most likely come from a private lender as opposed to the government,
00:24because private lenders need a court ruling before proceeding with harsh collection techniques.
00:29Whereas the government has the freedom to collect student loan debt in more direct manners.
00:34If you do in fact get sued by a private lender,
00:37which they must do within five years of a debt becoming delinquent,
00:41make sure you respond to all case-related documents on time from the very start.
00:46If you don't respond to student loan debt lawsuits on time,
00:49the court will probably judge in favor of the lender.
00:52But you want a fighting chance, and there are some valid defenses you can use against the lender.
00:58One is that the lender waited too long to sue.
01:01Two is that you paid for some or all of what they say you owe,
01:05but was never credited by the lender.
01:08Three is that you were unable to finish your education because of exceptional circumstances.
01:13For example, the school closing.
01:15Four is that the loanholder failed to provide proof that they have the right to sue.
01:20Five is that you were the victim of identity theft and never agreed to the loan.
01:25And a sixth defense can be that the debt was already discharged in a bankruptcy proceeding.
01:30Going to court to contest a student loan case may seem intimidating,
01:34but LegalYou is here to give you the confidence you need to succeed.
01:38LegalYou. You can do this.

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