Tick ... tick ... tick ... Are your student loans a ticking time bomb? Find out how to manage your student loans from Elliott H. Stone, managing attorney of the California Consumer Law Center. Want to learn what it takes to reduce your monthly student loan payments to under $5.00 per month? Check out Chapter 5. Interested in having your student loans completely forgiven after just 10 years? See Chapter 4. Need to know how to get your student loans out of default without going broke? Well that too is in the book... see Chapter 6. The student loan servicers won't tell you these secrets because they're paid on commission. The United States government wants to tell you about these secrets but they can't... they lack the budget to advertise these programs. According to the White House Office of the Press Secretary, more than 36 million Americans have federal student loan debt, but fewer than 450,000 participate in the secret programs described in Elliott H. Stone's book. Millions more may be eligible to reduce their monthly payments to an affordable amount based on income, family size and the type of job they hold. Veteran litigator, Elliott H. Stone, pulls back the covers on the student loan industry, and the myriad of government regulations, to show you all the secrets "they" don't want you to know about. Who are the "they" Elliott H. Stone refers to in his book? Read Chapter 2. Elliott H. Stone is known as the "student loan lawyer" because he knows student loan law and how to fight for his clients' rights when it comes to their student loans. In this book, Stone explains, in plain English, recent student loan trends, how student loans work, as well as the insider secrets to student loan discharge, cancellation, forgiveness and repayment. According to the United States Consumer Financial Protection Bureau, outstanding student loan debt has reached $1 trillion, a sum that is likely to increase with increasing tuition rates. Despite the growing problem of debt, many borrowers are simply unaware of their options and continue to struggle with, or ignore, their loans. As a result, Stone hopes to address some of the student loan issues that former students may be experiencing as a result of all this debt. As one of the leading student loan lawyers in California, Stone reveals some of the most well-kept secrets about student loans. Whether you are overwhelmed by high monthly payments or your loan is in default, this book has secrets that may be able to help. You don't need to feel trapped under your student loans anymore. So, if you are struggling with student loan debt and are looking for a few answers, get ready for some student loan secrets "they" don't want you to know about.