Any information and any files obtained and/or transmitted via this website will be held as confidential. Be aware that the use of any confidential or personal information may be restricted by state and federal privacy laws. 


At times our communications may provide links to third-party articles, websites, and/or presentations. Please note that these links are provided for informational purposes only. Although the information and opinions included have been obtained from sources believed to be reliable; accuracy and completeness cannot be guaranteed by HUG Your Student Debt, Inc., HUG Your Debt, Frances Rahaim, Ph.D. or any employee or contractor of the above mentioned.


Any information expressed in this website is intended for educational purposes. You should not rely upon this general information alone to make Social Security, legal, tax, investment, estate or financial planning decisions. Neither HUG Your Student Debt, Inc., HUG Your Debt, Frances Rahaim, Ph.D. or its employees or contractors, provide legal or tax advice. For this type of advice, you must consult your accountant or attorney. 


Notification of changes to this document will be emailed to the address you provided at the time of enrollment or the most recent email address we have on record. Please be certain your contact information is current and you have whitelisted HUGYourStudentDebt.org and HUGYourDebt.org in your email client to be sure you receive our emails.

"Bankruptcy laws allow companies to smoothly reorganize, but not college graduates burdened by student loans."
– Robert Reich