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:

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 Many Maine employers are using payroll cards instead of paper checks or direct deposit to pay wages.  This is a growing trend around the country. Payroll cards may be good for some employees, but there are risks and hidden costs involved.  Here’s what you need to know. 

Tax credits for people with low incomes who own their own homes or pay rent.

In Maine, if you cannot pay your tax bill for the property you live on, there is something you can do. Your city or town can decide that you don't have to pay some or all of it. This is called a "poverty tax abatement."

Introduction The Maine Homestead Exemption may lower your property tax bill. It makes it so the town won't count $25,000 of value of your home for property tax purposes. You can qualify if: