Student Loans

Struggling with Student Loan Debt?

Student Loan Lawyer in Orange County

Millions of individuals throughout the United States are burdened by student loan debt. While higher education is helpful for career advancement, it also requires most individuals to saddle themselves with costly loans. If you are facing similar circumstances and wondering how you’ll ever be able to repay your student loans, you’ve come to the right place.

At 1st California Law, Inc., we pride ourselves on meeting our clients where they’re at. It is no secret that student loans can be notoriously difficult to discharge, but there are numerous factors that may grant you eligibility for decreased or completely erased payments altogether. The best way to get started is by consulting with an Orange County student loan lawyer from our firm!

How do I know if I’m eligible for student loan discharge?

California is considered a part of the Ninth Circuit, which makes up several states in the Western U.S. In order to be considered eligible for student loan discharge, you must successfully pass the Brunner test. This test evaluates several different aspects of your circumstances.

The Brunner test requires applicants to meet all of the following criteria:

An inability to maintain a minimal standard of living if required to repay your loans
Proof that your financial circumstances will persist throughout your repayment period
Good faith efforts have been made to repay your loans

When evaluating the above criteria, the court may also consider your employment availability, age, average standard of living, the quality of your education, and whether you can sufficiently care for dependents. If you are considered ineligible for discharge, the court may lower your payments during your repayment period.

Take control with an Orange County student loan attorney!

The thought of student loan debt can be paralyzing, especially when you’ve done everything you can to repay what you owe. We understand that unexpected life circumstances can make it nearly impossible to keep up with student loan payments and want to help.

With 24/7 availability and a strong commitment to your best interests, you can trust the team at 1^st California Law, Inc. Get in touch with us to put your days of struggling with student loan debt behind you.

Read Real Reviews

LET 1ST CALIFORNIA LAW INC GET YOU DEBT FREE

“Amazing law firm to work with, very knowledgeable, & very kind!”
Amazing law firm to work with, very knowledgeable, & very kind. They made filing for bankruptcy easy. Kevin is a amazing lawyer, would definitely recommend to friends and family.

- Evelyn V.
“Kevin made us feel at ease during a very stressful time in our lives.”
Kevin is the best! He made us feel at ease during a very stressful time in our lives. His upbeat personality and thorough explanations made this whole process effortless. His communication was on point and the cost for his services was absolutely reasonable. If I ever need legal service again in the future, he is my go to guy. Love him!

- Elizabeth C.
“Being the light at the end of this scary tunnel!”
“Nobody ever hope to find themselves filing for bankruptcy but when I did, my first call with Kevin put me in such ease that I knew I found the right person to help me.”

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Kevin was absolutely fantastic to work with. He made the entire process of filing my case approachable and much less stressful than I anticipated. He was responsive, professional, and direct throughout the entire process, and personally accompanied me at my hearing. I would highly recommend his services.

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Kevin Kunde was one of the best bankruptcy attorneys to work with. He was kind, informative, courteous and very knowledgeable. I would recommend 1st California Law and Kevin Kunde services to anyone seeking debt relief assistance. Bankruptcy can be a very scary situation and I through out the entire process I felt well guided and taken care of by 1st California Law. Thank you for everything.

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“Awesome attorney”
I recently filed for my Chapter 7 through Mr. Kevin’s law firm and I could not be happier with his services. All of my concerns and worries were eliminated when Mr. Kevin thoroughly explains the process of bankruptcy filing and court hearing. The actual court hearing is very simple and to the point, just as Mr.Kevin said. In all, i highly recommend Mr.Kevin as an attorney for anyone who is in need of financial debt relief. He is kind, transparent, and dedicated to his profession. I'm glad i have had a chance to work with Kevin.

- Bruce
“Great Service”
It was the best experience ever with Kevin, I consulted several attorneys regarding my bankruptcy before I went to Kevin, and Kevin was very helpful and also the fees is very good. It was so easy to prepare my filling with him and he kept me updated with everything and tell me everything I need to know even if I didn't ask for it. Kevin show up with me in court and he was very helpful in getting over this stressful situation easily and smoothly, highly recommended him and his office if you look for any financial relief advice or help. Thanks Kevin.

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“Best lawyer”
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