Joe is a 25 year old student at Salem State College in Massachusetts. He took out federal loans to help make his learning less expensive at the public college. Unfortunately, about five years ago, he saw an advertisement for a for-profit culinary school. The price tag of about $35,000, they said, would be easily repaid after graduation. Joe was young and eager to work in the culinary field, so he signed up. He found out almost instantly that the school, for a lack of reason or word, lied to him and could not fulfill their promise. The teachers were inexperienced and the materials and equipment were outdated. He asked about leaving and was told that a refund was not possible. He stayed and finished but was never given job placement assistance, despite his requests. He has since moved on and tried to put the experience behind him, but the loans will not go away. He thinks he will be able to manage the federal loans, but his two private loans with current interest rates of about 15% are unaffordable. He says he wants to pay something and has asked for a break. In response to Joe’s request for assistance, the creditor said that Joe’s obligation was not negotiable. Joe is angry and frustrated and has nowhere to turn. Please don’t let this common case happen to you. Please contact Law Offices of Mayer and Newton. For we will assure that nothing like this happens to you or your kids who are in college.