Ohio: (419) 740-5935 Michigan: (734) 887-6881

Know Your Student Loan Rights.

Are you being sued by a student loan company? Talk to an attorney today about your rights

Ciolek LTD. takes student loan cases in Ohio & Michigan

Student Loan Attorney Services

Over the past several years, Ciolek LTD has helped hundreds of people find solutions for dealing with their student loans.  We are contacted daily by borrowers, co-signers, and parents for student loan solutions.  Here are some services that we offer:

  • Student Loan Lawsuit Representation
  • Federal Student Loan Analysis & Strategy
  • Private Student Loan Analysis & Strategy
  • Private Loan Settlement Workouts
  • Co-Signer Representation
  • Student Loan issues dealing with fraud
  • Defense to Repayment of Federal Loans
  • Closed School Representation
  • All bankruptcy issues involving student loans
  • Chapter 13 Representation
  • Bankruptcy Adversary Proceedings to ask the Court to Discharge Student Loans

Not sure which service you may need? Contact us today by using our website form.

Student Loan Cases Resolved. Contact Us Today:


Cost Effective Representation

Ciolek LTD. handles student loan matters on mostly on a flat fee basis.  Submit your information online and we’ll get back to ASAP with how much it will cost.

Flexible Payment Options

Payments may be made online making it easy to secure representation.  Once we agree on the fee, an initial down payment is usually required and then we’re happy to set up a monthly payment plan for the balance.

Don't Go It Alone Any Longer

If your student loans are keeping you up at night, it’s probably time to learn what options you have that might make life a bit easier.  When you hire Ciolek LTD., you’re not alone any more! We work with you to develop a student loan strategy.   Contact us today!


Ciolek LTD. proudly serves Ohio & Michigan residents

Attorney Scott Ciolek regularly travels to hearings in both Ohio and Michigan. Attorney Ciolek has traveled to Saginaw, MI, Cincinnati, OH and many courts in between dealing specifically with student loan cases. In most student loan matters, there is no need for an office appointment. We can handle everything by phone and email. Once our firm has been retained, it’s rare that you’ll have to attend a court hearing. If a hearing with your presence is required, Attorney Ciolek with go over all procedures and be there with you.

What to Do if Sued by National Collegiate Student Loan Trust

National Collegiate Student Loan Trust is seemingly one of the more aggressive debt collectors going after student debtors. Student debtors and their co-signers often are served with multiple lawsuits at one time. If you ignore the lawsuit(s), a default judgment will likely be entered against you and they may obtain a garnishment to collect the amount owed. If you’re being sued by National Collegiate Student Loan Trust (NCT), please fill out the online form for a lawsuit review and quote for representation. Ciolek LTD. charges a flat fee for these types of cases.