ANTHONY J PERANO

NATIONAL STUDENT LOAN DEBT RELIEF LAWYER

Most People — and Even Most Lawyers — Still Don’t Know This Is an Option

For years, borrowers were told you couldn’t discharge student loans in bankruptcy. That was never entirely true, but now, under new guidelines from the U.S. Department of Justice, discharging federal student loans through bankruptcy is a real possibility.

Yet very few attorneys — even nationally — are involved in this work. Many still tell people, incorrectly, that it can’t be done. That’s why I’ve decided to offer this service: because too many borrowers are being given the wrong advice, left confused, and losing hope. I recently was before a Federal Judge who asked why other attorneys don't bring these student loan discharge proceedings. That had a profound impact on me at the time, and after May 5, 2025, when the new administration ordered student loan collections to resume, along with interest. Well, that was just too much for me to swallow, and the calls started coming in from all over the nation.

The debt has come to roost, and it’s already taking a toll on the mental health of our population

​

This Debt Can Steal Decades of Your Life — If You Let It

The government’s so-called “income-driven repayment plans” stretch over 20 or 25 years. That’s two decades (or more) of uncertainty, interest, and anxiety — and there’s no guarantee of forgiveness at the end.

That is not a plan for the future — it’s a lifetime sentence.

No one can plan for perfect financial stability over a 25-year period. Life happens. You might:

• Lose a job
   

• Face a medical issue
   

• Go through a divorce
   

• Care for a child with special needs
   

• Struggle with aging parents
   

• Experience burnout or mental health challenges
   

• Simply earn less than you expected
   

And all the while, the interest keeps piling on. You might pay for 10 years, and owe more than when you started.

These plans can make it impossible to buy a home, start a family, save for retirement, or achieve financial stability. They can prevent you from living your life and finding the peace and happiness you deserve.

 

Real Help Exists — If You Know Where to Look

If you qualify under the new rules, we’ll guide you through the process of seeking a full or partial discharge of your federal student loans through bankruptcy. If you don’t qualify yet, I’ll show you the steps you can take to put yourself in a position to qualify in the future.

This is real, serious legal work, and you meet me personally - no paralegals or law clerks.. I am focused on finding a way to eliminate your debt or, alternatively, reduce it significantly so you can move on with your life.

You get an experienced federal attorney who listens, cares, and helps you figure out what’s truly best for your life.

 

Why I’m Doing This Work Now

I’ve practiced bankruptcy law since 1988.  I’ve helped thousands of people wipe out overwhelming debt. However, in the past few years, I’ve received numerous calls from individuals overwhelmed by student loans and struggling to find help, even from other lawyers.

The Department of Justice is no longer taking a hardline collection approach in every case. In fact, they’ve opened the door to relief. But almost no one is walking through that door — because they don’t know it’s there.

So I’ve added student loan discharge to my practice — because the need is overwhelming, the process is real, and people are suffering unnecessarily.

​

You Deserve Better Than 25 More Years of Stress

If you’re living with federal student loan debt and it’s keeping you stuck, take a breath. You may have more options than you think. You may be able to wipe it out — or at least move forward in a new direction.

If you qualify, we’ll help. If you don’t, we’ll explain the steps to get there. Either way, we give you clarity, support, and hope.

Before You Schedule...

Please take a moment to read my bio. You’ll gain a deeper understanding of me, why I care so much about this issue, and how I work with individuals trying to rebuild their lives.

If what you read speaks to you, then I encourage you:

👉 Schedule a time for us to meet.

Let’s talk about your life, your goals, and whether this path is right for you.

​