Today's guest is a consumer protection lawyer and has done so for over 20 years. Most recently, he's focused on helping people with student loan problems. Jay Fleischman is a partner with a law firm, Shaev & Fleischman, and practices in both New York and California. He's been featured in The New York Times, Wall Street Journal, Huffington Post and on Fox News. Jay also hosts the weekly podcast, The Student Loan Show. On the show, he breaks down the complex world of student loans and consumer debt so that people can take control of their situation. He is also a speaker who gives talks and shares his advice at speaking engagements across the country. On that podcast, he breaks down the complex world of student loans and consumer debt, so that people can take control of their situation. So with Jay, I wanted to learn first of all how big is this problem and what are the most common issues his clients come to him with? What if you have a private loan? We know that there are some federal programs that can assist those federal loan borrowers, namely, income based repayment, but what if you have a private loan? What is your best bet if you cannot pay back that loan? Advice for parents who are thinking about, or who are currently co-signing, a loan with their child and some free resources. So before you go and hire an attorney to help you, what are some free ways that you can learn how to get out of your debacle? For more information visit www.somoneypodcast.com.