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

Did you know that student loan debt is the most significant household expense, second only to mortgages in the United States?

Millions of Americans carry this debt, while making significantly less than they anticipated before accepting financial assistance for their education. Now with the pending expiration of student loan payment holds, graduates will have to address missed or deferred payments. Attorneys, specifically student loan attorneys, can provide borrowers with another option.

Federally Approved Student Loan Management Programs

We help our clients determine if they qualify for one of nine student loan programs. Our firm prepares the formal application and files it via a technology platform that is directly connected to the loan servicers. Once the application is received and accepted, we manage the transition to the new loan program and annual income recertification to maintain the payment terms.

If you or someone you know has missed or deferred student loan payments, scheduling a consultation is the critical first step to possible relief. Please contact us.

There is no pressure to make a decision – we help people manage their student loan debt and build a strong financial foundation. When you are ready, we can discuss your options and protect your future.

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.

Federal Student Loan Help

Getting Started

The first and most important step is to request an analysis of your student loan debt with one of our experienced attorneys. After the analysis is complete, you will be provided with your options based on the qualification factors required by the Federal Government and Department of Education.

What happens if I don’t want to move forward?

There is no obligation to hire our firm after the initial evaluation. We’ll give you a copy of your analysis and our contact information if you choose to pursue your options at a later time.

Take the First Step

Choose to handle your student debt responsibly. You don’t need to sacrifice quality of life, or your peace of mind, especially when there may be options available to you.


Cost Effective Representation

We handle student loan matters on a straight forward flat fee basis. 


Flexible Payment Options

Most matters require an initial down payment and then we’re happy to set up a monthly payment plan for the balance.


Let's Work Together

When you hire Ciolek LTD., you’re not trying to navigate this process alone any more! Let us develop a student loan strategy for you. Contact us today!


Student Loan Lawsuit Representation

We handle student loan matters in Ohio and Michigan. Attorney Ciolek has traveled to Detroit to Saginaw, MI,  and Toledo to Cincinnati, OH and many courts in between dealing specifically with student loan cases. We are well versed negotiating with the companies that service private student loan debt and file lawsuits. In most student loan matters, there is no need for an office appointment. We can handle everything by phone and email.  Contact us to today.

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.