Matched cases only
You receive referrals filtered to your state and practice. No cold leads, no wasted intake calls.
Pre-screened for eligibility
Every case arrives with a completed Brunner 3-prong analysis and supporting documentation.
No marketing fees
We handle borrower acquisition and screening. You focus on the discharge work you already do.
Case preparation, not lead generation
Since the DOJ's November 2022 guidance created a streamlined attestation process for federal student loans, §523(a)(8) adversary proceedings have become viable for far more borrowers — but each case still demands substantial financial documentation and drafting before it can be filed. LoanFree.AI does that preparation work. Borrowers complete a structured intake, our platform builds the supporting documents, and you receive a matter that is ready to review rather than a raw lead to qualify.
How it works
- 1
Borrowers are screened and prepared
Borrowers complete a free eligibility screener, then a $249 flat-fee intake covering their loans, income, expenses, schools attended, and hardship history. Our platform analyzes each case against the Brunner undue-hardship factors before it ever reaches an attorney.
- 2
Cases are matched to your practice
During onboarding you select the states where you are licensed and actively willing to take cases. Matched referrals appear in your attorney portal queue — you only see cases you could actually file.
- 3
You review a complete filing package
Each referral includes a case report with the Brunner analysis, a pre-filled DOJ attestation form for federal loans, a draft adversary complaint with cover-sheet details and a loan schedule exhibit, proposed stipulated facts, and an evidence checklist — all prepared for your review and revision.
- 4
Accept or decline — no obligation
Accept a referral to engage the borrower directly, or decline it and we re-match the case to another attorney. You can also request more information before deciding.
Why attorneys partner with LoanFree.AI
The screening is already done
By the time a case reaches your queue, the borrower has completed a structured financial intake and our eligibility analysis. You start from a documented record instead of a discovery call.
Drafts, not blank pages
The attestation, adversary complaint, stipulated-facts draft, and evidence checklist arrive assembled from the borrower's verified intake. You supervise, revise, and finalize — we handle the assembly work.
You control your pipeline
Take only the states and volume you want. There are no quotas, no subscriptions, and no marketing retainers — you engage case by case under a simple referral-fee model.
Frequently asked questions
What is included in the case package?
A case report with the Brunner three-prong analysis, a pre-filled DOJ attestation form for federal loans, a draft adversary complaint with cover-sheet details and a loan schedule exhibit, proposed stipulated facts, and an evidence checklist. Every document is a draft prepared for attorney review — you remain responsible for the final filing.
How are cases matched to me?
By the states you select during onboarding. Matched referrals appear in your attorney portal queue, where you can review the full package and accept, decline, or request more information. Declined cases are re-matched to another attorney.
What does it cost to join?
Nothing up front. There are no subscriptions and no marketing retainers — LoanFree.AI operates on a referral-fee model, and you only engage when a matched case fits your practice. Contact us for referral terms.
Can clients finance their legal fees?
During onboarding you can indicate whether your firm accepts LawPay Pay Later (Affirm installment financing) for client fees. Borrower-facing financing support is still being rolled out, so treat it as optional for now.