We Can Help !

       If you have been sued over a private student loan – by National Collegiate Student Loan Trust (“NCSLT”) or Navient, for example – the first thing you need to know is:

You Have Defenses !

       Here's why: If you have a private student loan, neither NCSLT nor Navient (formerly Sallie Mae) is your lender. You never borrowed a dime from either of them.  Each is simply a debt-collector. When they collect a private student loan debt, they claim that you owe them because they acquired your debt from the original lender.

       They need to prove this ! They need to prove the “chain of title”, that they obtained the right to collect the debt from the original lender. The good news is: That's not so easy to do. And, in fact, they often can't. They simply don't have the evidence. As a result, when pressed by an aggressive and experienced student loan defense attorney, sometimes, they “go away” before trial - they just drop the case. That's sometimes, though, not always. But, even if they don't go away, the weaknesses in their case provide you with significant negotiating leverage for a discounted settlement.

        If you'd like to discuss how we can help you against NCSLT or Navient, or, if you have other student loan questions, why don't you call us.

We Can Be Reached Toll-Free at

(877) 320-2380

        The consultation is FREE and you are under no obligation.


       We have been defending consumers against debt collectors like NCSLT and Navient for over a decade. We'd like to learn more about your case and go over your options with you.


       So either call us, or, provide your contact information in the form to the right and we will respond promptly.


Thank you.

William Rose

Consumer Attorney

Yes, I'd Like a FREE



The Rose Consumer Law Firm is the one of the finest law firms that I have ever encountered. Attorney William Rose is extremely knowledgeable, he is responsive to urgent matters, and he goes above and beyond to help people resolve their problems successfully.

                           - James M., Orange 

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