Milby Law Offices, PA is not affiliated with the Department of Education or any student loan servicers or providers. You can apply for loan consolidation or other repayment programs on your own without paying a fee through the Department of Education at.studentaid.gov. We have been designated by the U.S. Congress to be a Debt Relief Agency. We help people file for bankruptcy. The content of this website is general in nature and does not constitute legal advice. Use of this website does not establish an attorney-client relationship. Nothing on this website should be relied upon or used without first consulting a qualified attorney to assess and consider your unique circumstances.