The student loan discharge process

Lexria helps people achieve a fresh start by connecting them with lawyers who have the tools and knowledge to reduce or eliminate their student loan debt. Our affiliated attorneys have agreed to follow a simple pricing model with our Fresh Start Guarantee. Obtaining a discharge can be broken down into 5 steps.

 Questionnaire

You complete Lexria's initial questionnaire. This step helps us learn about you—your household, your income, your debts, your education, and any previous bankruptcies.

Lexria reviews your financial situation and assesses whether you meet the criteria provided by our affiliate attorneys. If your financial profile is similar to the profile of other individuals who have received student loan discharges, you'll move onto Step Two. If not, we'll provide helpful information about other options for student loan debt relief. Regardless of the outcome, please keep in mind that Lexria is not a law firm and is not making a legal determination on your case.

 Financial Assessment

You will complete this financial assessment via web forms that will be a lot like filing your taxes. You will provide information about your residency, your income, your schooling, your student loans and any previous bankruptcies you filed.

Lexria will review the information you've provided to ensure it is complete and accurate. If your information continues to match the criteria provided by our affiliate attorneys, you'll move onto Step Three. If not, we'll provide helpful information about other options for student loan debt relief.

 Connect with lawyer

Lexria will connect you with a lawyer in our network and brief the lawyer on your case characteristics.

You will meet with your lawyer. In this meeting, your lawyer will discuss the representation agreement, key aspects of the litigation process, and  the terms and conditions of the Fresh Start Guarantee.

After you review and sign the representation agreement, your lawyer will advise you on how to prioritize debt repayment, so that you can obtain immediate relief while your case is still pending.

 Adversary Proceeding

Your lawyer will prepare and file your student loan discharge request with the bankruptcy court. The adversary proceeding normally takes several months to conclude.

During this period, your lawyer will keep you up to date on the case's progress and work on your behalf to negotiate a favorable settlement with your lender.

 Fresh Start

Your adversary proceeding will conclude in one of three ways. Either the court will discharge your student loan debt, your attorney will reach a favorable settlement with your lender, or the court will decline to eliminate your debt.

If you receive financial relief through discharge or settlement, you will continue making monthly payments to your lawyer until you reach 12% of the debt relieved.  Your lawyer will provide and explain the details of your payments based on how you obtain relief.

If you do not receive relief through a discharge or settlement and have met the terms and conditions of the Fresh Start Guarantee, Lexria will reimburse all payments that you made to your lawyer during the course of the Adversary Proceeding.

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