Notice: The Maine HAF Program is winding down. Complete applications received after January 10, 5 PM will be put on a waitlist.

Welcome to PTLA’s Student Loan Project! We provide free legal services to student loan borrowers. We help people with:

Posted and up-to-date on 9/20/2023

This guide lays out your options for many different student loan debt situations. Is this guide for you? You may use this guide if:

If you're more than $500 in debt on your electric bill, this program may be able to help you. You pay just your current monthly electric bill, each month and on time. For each month that you pay your current bill, your electric utility company will wipe out 1/12 of what you owe them on your back bill. Learn about how to enroll!

Federal student loans can be intimidating and confusing. In this article we will explain types of federal student loans, repayment plans and situations, and loan discharge and forgiveness programs.

Introduction  This page covers free and low-cost phone services available to Mainers. We know there are many new low or no cost ways of communicating, but we are just trying to cover the basics.   

Statewide Help The federal Low Income Home Energy Assistance Program (LIHEAP) provides assistance to low-income households for their energy bills.