Tools

Heather’s Favorite Sites

It takes a villiage!  Heather works closly with many of the following organizations and businesses.

Student Loan Borrower Assistance.org is brought to us by the great and powerful National Consumer Law Center.  This content rich site provides free information about repayment options, avoiding and getting out of default, and dealing with collections agencies. 

GL Advisor offers a unique service designed to help students and professional graduates lower the cost of student loan debt and save time so they can focus on their career. GL Advisor provides student debt management assistance, financial planning, tax preparation services and professional investment advice.  Heather recommends starting with GL Advisor’s FREE personalized student debt assessment and complimentary one-on-one consultation.

Project on Student Debt  is one of the fabulous projects of the Institite for College Access and Success.  Find state-by-state data, research, and policy analysis.

IBRinfo.org from our friends at the Institute for College Access and Success.  Here you'll find clear information about Income-Based Repayment and Public Service Loan Forgiveness.  Check out the groovy animated student debt monster!

FinAid! The Smart Student Guide to Financial Aid  Mark Kantrowitz, a giant of financial aid, provides this comprehensive online resource with about all aspects of financial aid.

Non profit and Government Career Resources

Idealist connects people, organizations, and resources to help build a world where all people can live free and dignified lives.  Sweet!
Search for jobs through the Idealist Career Center.  Connect your educational options with your future social change career using Idealist's Grad School Resource Center.

PSLawNet is the online resource connecting public interest law job-seekers with job opportunities at all experience levels.

USAJobs, the federal government's official jobs site.

Student Loan Laws

Statute establishing Public Service Loan Forgiveness and Income-Based Repayment.
College Cost Reduction and Access Act of 2007, Pub. L. No. 110-84, 121 Stat. 784, amending the Higher Education Act of 1965 (to be codified in 20 U.S.C. 1001 et seq.).

Regulations established by the United States Department of Education.
Public Service Loan Forgiveness, 34 C.F.R. 685.219, 73 FR 63258, Oct. 23, 2008, as amended at 74 FR 56006, Oct. 29, 2009.
Income-Based Repayment, 34 C.F.R.  685.221, 73 FR 63258, Oct. 23, 2008, as amended at 74 FR 56006, Oct. 29, 2009.

Statute exempting Public Service Loan Forgiveness and certain Loan Repayment Assistance Programs from taxation.
Internal Revenue Code, Section 108: Income from Discharge of Indebtedness
IRS Revenue Ruling interpreting Section 108(f) to exclude certain loan forgiveness from income.
IRS Information Letter interpreting Section 108(f) to exclude Public Service Loan Forgiveness from taxable income.
United States Department of Treasury Letter interpreting Section 108(f) to exclude Public Service Loan Forgiveness from taxable income.

Statute creating John R. Justice Prosecutor's and Defender's Incentive Act and Civil Legal Assistance Attorney Student Loan Repayment Program.
Higher Education Opportunity Act, Pub. L. No. 110–315, 122 Stat. 3078, amending the Higher Education Act of 1965 (to be codified in 20 U.S.C. 1001 et seq.).

Student Loan Research and Reports

Heather Jarvis, Education & Practice, Vol. XIX, No. 3, Fall 2011
What Every Lawyer Should Know About the Economic Realities of a Legal Education

Kevin Carey & Erin Dillion, Education Sector, August 3, 2011
Debt to Degree: A New Way of Measuring College Success

Cristian Deritis, Moody's Analytics, Regional Financial Review, July 2011
Student Lending's Failing Grade

Jonathan D. Glater, New York University Journal of Legislation and Public Policy, Volume 14, Number 1, 2011, 11
The Other Big Test: Why Congress Should Allow College Students to Borrow More through Federal Aid Programs

David Segal, New York Times, January 8, 2011
Is Law School a Losing Game?

The Project on Student Debt, January 2010
Quick Facts on Student Debt

Heather Jarvis, Clearinghouse Review, 2009
How the College Cost Reduction and Access Act Can Benefit You: Public Service Loan Forgiveness and Income-Based Repayment

American Bar Association Statistics
Average Amount Borrowed for Law School, 2001-2009; Law School Tuition, 1985-2009; Average Living and Book Expenses for Single Students Living on Campus, 1990-2009

Deanne Loonin, Staff Attorney, National Consumer Law Center, 2009
Too Small to Help: The Plight of Financially Distressed Borrowers Private Student Loan Borrowers

Phil Schrag, Hofstra Law Review, 2007
Federal Student Loan Repayment Assistance For Public Interest Lawyers And Other Employees Of Governments And Nonprofit Organizations

The Student Loan Report

Heather's newsletters round up the latest and greatest student loan news.
November 2011
October 2011
September 2011 
August 2011
July 2011
June 2011
May 2011
April 2011