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Welcome to the Civil Justice Blog.  The blog highlights current Maryland and/or federal law dealing with such topics as foreclosures, consumer rights, auto-fraud, and other related public interest issues.

Watch Out for Student Loan “Debt Relief” Scams

By Civil Justice on Thursday, October 29, 2015

If you’re a student loan borrower, you’ve probably noticed advertisements on the television, radio, or internet for student loan “debt relief” services. You may have even received direct solicitations by phone or mail. 

Many of these companies appeal to struggling borrowers by claiming a special ability to negotiate with lenders and servicers to get a better deal. Too often, borrowers learn the hard way that the companies’ promises are false or the deal is not as good as they thought. 

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Financing College Education: Beware of Student Loan Debt Sticker Shock

By Civil Justice Network on 12/15/2014 1:54 PM
Applying to college can be exciting, but also presents a variety of challenges. For many Marylanders, financing the cost of a college education is the most significant among these. Fortunately, there are great tools available online to help students understand and plan for the cost of college. Here are some basic tips for navigating the sea of financial decisions associated with higher education and avoiding the student loan debt sticker shock that many recent graduates face. 1) Understand the Total Cost of Attendance Affordability is a key consideration in deciding what college to attend and what degree to pursue. However, the total cost of attendance can be a very tricky figure to nail down. A common misconception is that tuition alone is the cost of attendance. Generally, the total cost of attendance is defined as the sum of the school’s full tuition, room and board for the academic year (sometimes called the living expense), books, and all administrative fees. The total cost of attendance can vary widely... Read More » Comments (0)
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