Self-Serve tier

idea due process complaint filing analysis under 34 cfr §300.507 + 20 usc §1415. computes 2-year statute of limitations, drafts complaint elements, walks through 30-day resolution period, sufficiency challenge, hearing scheduling, and stay-put rule. authority-grounded under schaffer v. weast + endrew f. + forest grove. self-contained — no external lookups required.

student loan bankruptcy discharge analysis under 11 usc §523(a)(8) + brunner test. walks debtor through three-prong undue hardship test (brunner v. ny state higher ed, 831 f.2d 395, 2d cir. 1987), totality of circumstances alternative (long, 8th cir.), 2022 doj + ed guidance for streamlined procedure, partial discharge availability, and adversary proceeding mechanics under frbp 7001(6). self-contained — no external lookups required.

borrower defense to repayment (bdr) discharge analysis under 34 cfr §685.206 + §685.222. identifies school-misconduct grounds (substantial misrepresentation, breach of contract, judgment, aggressive recruitment), sweet v. cardona settlement class status, and discharge / refund pathways. authority-grounded with current department of education rule status. self-contained — no external lookups required.

income-driven repayment (idr) and save plan status analysis post-eighth circuit 2025 injunction. walks borrower through current paye / ibr / icr alternatives, forbearance status, interest accrual treatment, and pslf qualifying payment treatment during litigation. authority-grounded under 34 cfr §685.209 + missouri v. trump (8th cir. 2025). self-contained — no external lookups required.