As of July 20, 2026, two of the most active litigation states have moved lawsuit funding out of a legal gray area. New York’s Consumer Litigation Funding Act took effect June 17, 2026, capping a funding company’s gross recovery from a settlement at 25% and requiring standardized contracts, plain-language disclosures, and a consumer right to cancel — with registration through the state’s Department of Financial Services following by February 13, 2027. California’s own funding law, AB 931, has been in effect since January 1, 2026. Plaintiffs in these states should expect funding offers to reflect these new caps.
Last updated: July 2026
Lawsuit funding gives plaintiffs cash advances on pending settlements before their case resolves. In 2026, this industry is seeing major changes in rates, regulations, and company competition that affect how much you can get and what you will pay.
If you are waiting for a personal injury settlement, car accident payout, or mass tort resolution, you do not have to struggle financially while your attorney negotiates. Companies will advance you money today based on your expected settlement amount.
This guide breaks down exactly how lawsuit funding works in 2026, what the current rates look like, which companies rank highest, and how to qualify. One key fact: the average funding rate in 2026 ranges from 2% to 4% monthly, depending on case strength and provider.
You will learn everything from application steps to red flags. Let’s get into it.
Lawsuit Funding
Lawsuit funding is a cash advance you receive before your case settles. It is not a traditional loan because you only repay if you win or settle your case.
Funding companies review your lawsuit, assess its strength, and offer you a portion of your expected settlement upfront. Think of it like getting an advance on a paycheck you know is coming, but the paycheck is your court settlement.
The key distinction here matters for 2026 plaintiffs: this is non-recourse funding. If your case loses, you owe nothing back. The funding company absorbs the loss entirely.
| Feature | Lawsuit Funding | Traditional Loan |
|---|---|---|
| Repayment Required | Only if you win | Always |
| Credit Check | No | Yes |
| Collateral | Your pending case | Assets or income |
| Monthly Payments | None | Required |
| Risk to Plaintiff | Zero | Personal liability |
Lawsuit funding fills a gap that banks will not touch. No bank loans money against a pending lawsuit because the outcome is uncertain. Funding companies specialize in exactly this type of risk.
In 2026, the industry has grown significantly. More companies compete for your business, which means better rates for plaintiffs who shop around.
How Does Lawsuit Funding Work
Lawsuit funding works through a straightforward four-step process. First, you apply with a funding company and provide basic case details. Second, the company contacts your attorney to review case documents. Third, they make a funding offer based on your expected settlement value. Fourth, you receive cash, typically within 24 to 72 hours of approval.
Your attorney plays a critical role here. Funding companies need your lawyer’s cooperation to review medical records, liability assessments, and estimated case value. No attorney sign-off means no funding.
Here is the step-by-step breakdown:
Step 1: Application
You fill out a simple form with your name, contact info, attorney details, and basic case information. Most applications take under 10 minutes.
Step 2: Case Evaluation
The funding company requests your case file from your attorney. They review liability, damages, insurance coverage, and expected settlement range.
Step 3: Funding Offer
Based on their assessment, the company offers you a specific dollar amount. This is typically 10% to 20% of your expected settlement value.
Step 4: Cash Disbursement
Once you accept the offer and sign the agreement, funds hit your bank account. Most companies wire money within 24 to 48 hours.
You do not make monthly payments. You do not worry about the money until your case resolves. When it does, your attorney deducts the funding amount plus fees from your settlement check and sends it directly to the funding company.
Lawsuit Settlement Funding
Lawsuit settlement funding specifically targets cases already in settlement negotiations. This differs slightly from early-stage pre-settlement funding where cases are still in litigation.
If your attorney is actively negotiating with the defendant or their insurance company, you are in a prime position for funding. Settlement-stage cases carry lower risk for funding companies because resolution is closer.
Funding companies prefer settlement-stage cases for obvious reasons. The timeline is shorter, the outcome is more predictable, and the settlement value is clearer.
| Case Stage | Funding Likelihood | Typical Rate |
|---|---|---|
| Early Litigation | Moderate | 3.5% to 4% monthly |
| Discovery Phase | Good | 3% to 3.5% monthly |
| Settlement Talks | Excellent | 2% to 3% monthly |
| Post-Settlement | Guaranteed | 1.5% to 2% monthly |
In 2026, settlement funding has become faster than ever. Some companies offer same-day approval for cases deep in negotiations. They can verify the settlement range quickly because both parties have already exchanged numbers.
If your attorney says settlement is likely within 6 months, expect better rates. Funding companies price their risk based on time. Shorter timelines mean lower total costs for you.
Key Takeaway: Lawsuit funding at the settlement stage costs less and approves faster because the outcome is more certain.
Lawsuit Funding Eligibility
Lawsuit funding eligibility depends on your case, not your credit score. Companies evaluate the strength of your lawsuit, the expected payout, and your attorney’s track record.
You do not need good credit. You do not need a job. You do not need collateral. Your pending lawsuit is the only thing that matters.
Here are the core eligibility requirements in 2026:
- You must have an active lawsuit with a contingency fee attorney
- Your case must have clear liability against the defendant
- Expected settlement value must exceed the funding amount requested
- Your attorney must cooperate with the funding company’s review
Case types that typically qualify:
- Personal injury (car accidents, slip and falls, dog bites)
- Medical malpractice
- Product liability
- Workers compensation
- Employment discrimination
- Mass torts and class actions
- Wrongful death
Case types that rarely qualify:
- Family law (divorce, custody)
- Criminal defense
- Small claims court matters
- Cases without attorney representation
The funding company will decline cases where liability is unclear or damages are minimal. They need confidence that your settlement will cover their advance plus fees.
One big eligibility factor in 2026: attorney reputation. Funding companies track law firms and know which attorneys settle cases quickly versus those who drag cases out for years.
Lawsuit Funding Rates 2026
Lawsuit funding rates in 2026 typically range from 2% to 4% per month, compounding. This means a $10,000 advance at 3% monthly would cost you $3,600 in fees after one year.
Rates have dropped slightly from 2024 levels due to increased competition and some state regulations capping maximum fees. However, rates still vary dramatically between companies.
| Monthly Rate | Annual Cost on $10,000 | Total Repayment |
|---|---|---|
| 2% | $2,400 | $12,400 |
| 3% | $3,600 | $13,600 |
| 4% | $4,800 | $14,800 |
The rate you receive depends on several factors:
Case strength: Strong liability cases with clear damages get better rates. If the funding company is confident you will win, they charge less.
Expected timeline: Cases likely to settle within 6 months cost less than cases that might take 2 to 3 years.
Funding amount: Larger advances sometimes qualify for volume discounts. A $50,000 advance might get a lower rate than a $5,000 advance.
State regulations: In 2026, states like Arkansas, Tennessee, and Oklahoma have implemented rate caps. Other states remain unregulated.
Always get rate quotes from multiple companies. The difference between a 2% and 4% monthly rate is massive over a 12-month case timeline. That is literally double the cost.
Some companies advertise “simple interest” rates, which are cheaper than compounding rates. Ask specifically whether rates compound monthly, quarterly, or not at all.
Lawsuit Funding Application Process
The lawsuit funding application process takes about 10 minutes online. You will need your attorney’s contact information and basic details about your case.
Most companies have streamlined applications that ask for the bare minimum upfront. They gather detailed case information directly from your attorney later.
What you need to apply:
- Your full name and contact info
- Your attorney’s name, firm, and phone number
- Type of case (car accident, medical malpractice, etc.)
- Brief description of what happened
- Approximate date of incident
- Current case status (filed suit, in discovery, settlement talks, etc.)
What happens after you submit:
The funding company contacts your attorney’s office, usually within hours. They request the case file, medical records, liability assessment, and any demand letters or settlement offers already exchanged.
Your attorney’s cooperation determines the timeline. If your lawyer responds quickly, you can have money in hand within 24 to 48 hours. If your attorney’s office is slow to respond, it might take a week.
One tip for 2026 applicants: tell your attorney you are applying before submitting your application. Give them a heads up so they are ready when the funding company calls. This speeds up the process significantly.
Key Takeaway: The application is quick, but attorney cooperation determines how fast you actually receive cash.
Lawsuit Funding Approval Time
Lawsuit funding approval time ranges from 24 hours to one week, depending on case complexity and attorney responsiveness. Most applicants receive funding within 48 hours.
Simple cases approve fastest. A straightforward car accident with clear liability and documented injuries can fund within one business day. Complex medical malpractice or product liability cases might take 3 to 5 days for underwriting review.
| Case Type | Typical Approval Time |
|---|---|
| Car Accident | 24 to 48 hours |
| Slip and Fall | 24 to 48 hours |
| Medical Malpractice | 3 to 5 days |
| Product Liability | 3 to 5 days |
| Mass Tort | 5 to 7 days |
| Workers Comp | 48 to 72 hours |
The biggest delay factor is your attorney’s office. If they are slow to send case documents, your approval stalls. Nothing the funding company can do about that.
In 2026, some companies offer expedited review for emergency situations. If you are facing eviction or a medical emergency, let them know upfront. They may prioritize your file.
Once approved, most companies wire funds the same day or next business day. Some offer ACH transfers that take 1 to 2 days, while others offer same-day wire transfers for an additional fee.
Lawsuit Funding Near Me
Lawsuit funding near me is a common search, but location rarely matters. Most funding companies operate nationally and handle everything online or by phone.
You do not need a local office to get funded. The entire process happens digitally. You apply online, your attorney sends documents electronically, and funds transfer to your bank account.
However, state regulations do matter. Some states have specific laws governing lawsuit funding rates and terms:
| State | Rate Cap | Special Rules |
|---|---|---|
| Arkansas | 17% simple annual | Strict caps |
| Tennessee | 33% simple annual | Disclosure requirements |
| Oklahoma | Rate caps vary | Registration required |
| Nebraska | 24% simple annual | Consumer protections |
| West Virginia | No cap | Minimal regulation |
| California | No cap | Disclosure required |
If you live in a regulated state, you might see lower rates but fewer company options. Some funding companies choose not to operate in heavily regulated markets.
For 2026 applicants, searching “lawsuit funding near me” will mostly show national companies with local advertising. That is fine. What matters is the company’s reputation, rates, and terms, not their physical location.
If you prefer face-to-face interaction, some law firms have relationships with specific funding companies and can facilitate introductions. Ask your attorney if they have funding partners they trust.
Lawsuit Funding Companies
Lawsuit funding companies vary widely in rates, reputation, and customer service. In 2026, dozens of companies compete for plaintiff business, which benefits you as a consumer.
The industry includes large national players, regional specialists, and online-only operations. Each has pros and cons depending on your case type and funding needs.
Major national companies:
- Oasis Financial: One of the largest, known for fast approvals
- USClaims: Established player with competitive rates
- Peachtree Financial: Broad case type coverage
- Baker Street Funding: Strong personal injury focus
- Capital Now Funding: Good for larger advances
What to evaluate when choosing:
Rate structure is obvious, but dig into the details. Some companies advertise low rates but add origination fees, underwriting fees, or administrative charges that inflate the real cost.
Transparency matters. Reputable companies give you a clear contract showing exactly what you will repay based on different settlement timelines. Avoid companies that obscure the total cost.
Customer reviews reveal a lot. Check the Better Business Bureau, Trustpilot, and Google reviews. Look for patterns in complaints about hidden fees or aggressive collection tactics.
Attorney relationships help too. If your lawyer has worked with a specific company before and had good experiences, that is valuable information.
Key Takeaway: Shop multiple companies, compare total repayment amounts, and check reviews before committing to any funding offer.
Best Lawsuit Funding Companies 2026
The best lawsuit funding companies in 2026 combine competitive rates, transparent contracts, fast approvals, and strong customer service. Based on industry reputation and plaintiff reviews, several companies stand out.
| Company | 2026 Rate Range | Approval Speed | Best For |
|---|---|---|---|
| Oasis Financial | 2.5% to 3.5% monthly | 24 to 48 hours | Personal injury |
| USClaims | 2% to 3% monthly | 48 to 72 hours | Medical malpractice |
| Baker Street Funding | 2% to 3.5% monthly | 24 hours | Car accidents |
| Ally Lawsuit Loans | 2.5% to 4% monthly | 24 to 48 hours | Mass torts |
| Capital Now Funding | 2% to 3% monthly | 48 hours | Large advances |
Oasis Financial remains a top choice for straightforward personal injury cases. They process high volume and have the infrastructure for fast approvals. Rates are competitive but not the absolute lowest.
USClaims tends to offer slightly better rates, especially for complex cases. Their underwriting takes a bit longer, but the cost savings often justify the wait.
Baker Street Funding specializes in car accident cases and claims same-day funding for simple liability scenarios. Worth getting a quote if that matches your situation.
Ally Lawsuit Loans has carved out a niche in mass tort funding. If you are part of a large MDL like the 3M earplug litigation or Camp Lejeune water contamination, they understand those cases well.
Always get quotes from at least three companies. The differences can save you thousands of dollars over the life of your case.
Lawsuit Funding for Personal Injury
Lawsuit funding for personal injury is the most common use case. Car accidents, slip and falls, dog bites, and similar injury claims make up the majority of funded cases.
Personal injury cases qualify well because they have clear elements: documented injury, identifiable defendant, insurance coverage, and established damages. Funding companies can evaluate these factors quickly.
Typical funding amounts for personal injury cases:
| Case Type | Average Settlement | Typical Funding | Range |
|---|---|---|---|
| Minor Car Accident | $15,000 to $30,000 | $2,000 to $5,000 | 10% to 15% |
| Serious Car Accident | $75,000 to $150,000 | $10,000 to $25,000 | 12% to 18% |
| Slip and Fall | $20,000 to $50,000 | $3,000 to $8,000 | 10% to 15% |
| Dog Bite | $30,000 to $75,000 | $5,000 to $12,000 | 12% to 18% |
| Medical Malpractice | $200,000 to $500,000 | $25,000 to $75,000 | 10% to 15% |
Personal injury plaintiffs often need funding for specific reasons: paying rent while unable to work, covering medical bills not yet compensated, or simply maintaining daily expenses during a long litigation process.
The waiting period for personal injury settlements can stretch 12 to 24 months or longer. Insurance companies know that plaintiffs under financial pressure accept lowball offers. Lawsuit funding removes that pressure and lets you wait for fair value.
One 2026 trend: funding companies are approving more “soft tissue” cases than in previous years. Whiplash and back strain claims used to get declined frequently. Competition has pushed companies to fund lower-value cases they would have rejected before.
Lawsuit Cash Advance
A lawsuit cash advance is simply another term for lawsuit funding. The money works the same way: you receive cash now against your expected settlement, and repayment comes from settlement proceeds.
Some companies prefer the “cash advance” terminology to distinguish themselves from “lawsuit loans.” The legal distinction matters in some states.
Cash advance implies a purchase of a portion of your future settlement. Loan implies a debt obligation. In non-recourse funding, the cash advance framing is more accurate because you owe nothing if you lose.
| Term | What It Means | Repayment Obligation |
|---|---|---|
| Lawsuit Cash Advance | Purchase of settlement proceeds | Only if you win |
| Lawsuit Loan | Debt against settlement | Varies by contract |
| Pre-Settlement Funding | Same as cash advance | Only if you win |
| Legal Funding | Umbrella term | Depends on structure |
When comparing offers, ignore the marketing terminology. Focus on the actual contract terms: rate, repayment amount, and what happens if you lose.
The cash advance framing has consumer protection benefits. In many states, cash advances are not subject to usury laws that cap interest rates on loans. This is why lawsuit funding rates can legally exceed what banks charge.
For 2026 applicants: read your contract carefully regardless of what the company calls their product. The paperwork tells you exactly what you owe and when.
Key Takeaway: Cash advance, pre-settlement funding, and lawsuit loan describe the same basic product. Focus on contract terms, not marketing labels.
Non-Recourse Lawsuit Funding
Non-recourse lawsuit funding means you owe nothing if you lose your case. The funding company takes all the risk. If the defendant wins or your case gets dismissed, you keep the money with no repayment obligation.
This is the defining feature that separates lawsuit funding from traditional loans. A bank loan requires repayment regardless of what happens in your lawsuit. Non-recourse funding ties repayment entirely to case outcome.
How non-recourse works in practice:
You receive $10,000 in funding. Your case goes to trial. The jury rules for the defendant. You lose.
In this scenario, you owe zero dollars. The funding company writes off the $10,000 as a loss. They cannot pursue you for repayment, garnish wages, or send you to collections.
This structure explains why rates seem high compared to traditional loans. Funding companies lose money on a percentage of cases. They price that risk into the rates charged to all plaintiffs.
| Outcome | Your Repayment Obligation |
|---|---|
| You win big settlement | Pay advance plus fees |
| You win small settlement | Pay advance plus fees (may exceed award) |
| Case settles for less than expected | Pay advance plus fees |
| Case dismissed | Zero |
| You lose at trial | Zero |
| Case dropped | Zero |
One important caveat: if your settlement is smaller than expected, you still owe the full funding amount plus fees. If you received $10,000 and owe $14,000 at settlement, but your case only settles for $12,000, you might owe more than your net recovery.
Good funding companies cap repayment at your settlement amount. Bad ones do not. Ask specifically about this scenario before signing.
Lawsuit Funding Amount Calculator
A lawsuit funding amount calculator estimates how much funding you might qualify for based on your case details. Most funding companies offer online calculators, though results are rough estimates only.
Calculators typically ask for your case type, estimated settlement value, time since incident, and current case status. They output a funding range and estimated cost.
How funding amounts are calculated:
Most companies fund between 10% and 20% of your expected net settlement. Net settlement means the amount after attorney fees and case expenses.
| Gross Settlement | Attorney Fees (33%) | Case Expenses | Net to You | Typical Funding |
|---|---|---|---|---|
| $50,000 | $16,500 | $3,500 | $30,000 | $3,000 to $6,000 |
| $100,000 | $33,000 | $7,000 | $60,000 | $6,000 to $12,000 |
| $250,000 | $82,500 | $17,500 | $150,000 | $15,000 to $30,000 |
Online calculators give ballpark numbers. The actual amount depends on underwriting review of your specific case documents.
Factors that increase your funding limit:
- Strong liability evidence
- Severe documented injuries
- High insurance policy limits
- Case already in settlement negotiations
- Experienced plaintiff attorney
Factors that decrease your funding limit:
- Disputed liability
- Pre-existing conditions
- Low insurance coverage
- Case still in early stages
- Minimal documented damages
For 2026, some companies have increased maximum funding limits due to competition. Advances of $100,000 or more are available for high-value cases, though most plaintiffs receive between $5,000 and $25,000.
Lawsuit Funding Risks
Lawsuit funding risks include high costs, reduced settlement proceeds, and potential conflicts with your attorney. These are real concerns that every plaintiff should understand before accepting funding.
Risk 1: High total cost
The biggest risk is mathematical. A 3% monthly rate compounds over time. If your case takes 18 months to settle, a $10,000 advance becomes roughly $17,000 owed. That money comes directly out of your settlement.
Risk 2: Eating into your settlement
Lawsuit funding reduces the money you ultimately keep. After attorney fees, case expenses, and funding repayment, plaintiffs sometimes net less than expected. Run the numbers before accepting funding.
| Settlement | Attorney (33%) | Expenses | Funding Owed | Your Net |
|---|---|---|---|---|
| $75,000 | $24,750 | $5,000 | $14,000 | $31,250 |
| $75,000 | $24,750 | $5,000 | $0 | $45,250 |
That $14,000 difference is significant. Only take funding if you truly need it.
Risk 3: Attorney relationship strain
Some attorneys dislike lawsuit funding. They worry that funding creates pressure to settle quickly or that clients become dependent on advances. If your attorney refuses to cooperate with funding companies, you might face a difficult situation.
Risk 4: Predatory lenders
Not all funding companies operate ethically. Some bury hidden fees in contracts, charge compound interest without clear disclosure, or pursue aggressive tactics. Stick with established, reviewed companies.
Risk 5: Taking too much funding
Plaintiffs sometimes take multiple advances from different companies, stacking debt against one settlement. This can leave almost nothing at resolution. One advance is usually enough.
Key Takeaway: Lawsuit funding is expensive and reduces your settlement. Use it only when you genuinely need cash and cannot wait for settlement.
Lawsuit Funding vs Settlement Loan
Lawsuit funding vs settlement loan comes down to legal structure and repayment terms. In practice, most plaintiffs use the terms interchangeably, but important differences exist.
Lawsuit funding (non-recourse cash advance):
- Structured as a purchase of settlement proceeds
- No repayment if you lose
- Not considered a loan under most state laws
- Rates not subject to usury caps in most states
Settlement loan (recourse loan):
- Structured as a debt obligation
- Repayment required regardless of case outcome
- Subject to state lending laws
- May have lower rates due to guaranteed repayment
| Feature | Lawsuit Funding | Settlement Loan |
|---|---|---|
| Repayment if you lose | No | Yes |
| Credit check | No | Sometimes |
| Rate regulation | Minimal | Subject to usury laws |
| Risk to plaintiff | Zero | Personal liability |
| Common in 2026 | Yes | Rare |
Most companies in 2026 offer non-recourse funding, not true loans. The “lawsuit loan” terminology persists in marketing because people search for it, but the actual product is typically non-recourse.
When comparing offers, the critical question is: what happens if I lose my case? If the answer is “you owe nothing,” you have non-recourse funding. If the answer is “you still owe the balance,” that is a true loan with personal liability.
Non-recourse is better for plaintiffs in virtually all scenarios. The only exception might be a plaintiff with an extremely strong case who qualifies for a lower-rate recourse loan. Even then, the risk of owing money on a lost case usually is not worth the rate savings.
Lawsuit Funding News
Lawsuit funding news in 2026 centers on regulatory changes, market consolidation, and growing mass tort funding activity. The industry continues evolving as more plaintiffs discover pre-settlement funding options.
Regulatory developments:
Several states have introduced or passed legislation affecting lawsuit funding in 2025 and 2026. Arkansas and Tennessee enacted rate caps that limit monthly charges. Colorado and New Jersey are considering similar bills.
The Consumer Financial Protection Bureau has increased scrutiny of funding company practices. While the CFPB does not directly regulate lawsuit funding, they have issued guidance on disclosure requirements and fair dealing.
Industry consolidation:
Smaller funding companies are merging or being acquired by larger players. This consolidation could reduce competition long-term, potentially raising rates. For now, competition remains strong and favors plaintiffs.
Mass tort funding growth:
Major mass tort litigation has driven significant funding volume. Camp Lejeune water contamination claims, 3M earplug lawsuits, and Roundup cancer cases have generated thousands of funding applications.
Funding companies have developed specialized underwriting for mass tort cases. They understand MDL timelines and can price risk more accurately than a few years ago.
Rate trends:
Average rates have declined slightly from 2024 levels. Increased competition and regulatory pressure have pushed the industry toward more competitive pricing. Plaintiffs shopping multiple companies in 2026 often find rates below 3% monthly.
| Year | Average Monthly Rate | Trend |
|---|---|---|
| 2023 | 3.5% to 4.5% | Baseline |
| 2024 | 3% to 4% | Declining |
| 2025 | 2.5% to 3.5% | Declining |
| 2026 | 2% to 3.5% | Stabilizing |
Transparency improvements:
More companies now provide clear cost disclosure upfront. Industry associations like ALFA (American Legal Finance Association) have pushed for standardized disclosures. Plaintiffs benefit from easier comparison shopping.
Key Takeaway: The 2026 lawsuit funding market is more competitive and better regulated than previous years, creating better options for plaintiffs.
Frequently Asked Questions
How long does lawsuit funding approval take?
Most lawsuit funding approvals happen within 24 to 72 hours.
The timeline depends on your case complexity and how quickly your attorney provides documents.
Simple car accident cases often fund the same day. Complex medical malpractice cases might take up to a week.
What percentage does lawsuit funding cost in 2026?
Lawsuit funding in 2026 typically costs between 2% and 4% per month.
This rate compounds, so a one-year advance at 3% monthly costs roughly 36% of the advance amount.
Shop multiple companies to find the lowest rate for your specific case.
Can I get lawsuit funding with bad credit?
Yes, you can get lawsuit funding regardless of your credit score.
Funding companies evaluate your case strength, not your personal credit.
They do not run credit checks or require employment verification.
Do I have to repay lawsuit funding if I lose my case?
No, you owe nothing if you lose your case with non-recourse funding.
The funding company absorbs the loss entirely.
Confirm your contract is non-recourse before signing.
How much lawsuit funding can I qualify for?
Most plaintiffs qualify for 10% to 20% of their expected net settlement.
If your case is worth $100,000 after attorney fees, you might qualify for $10,000 to $20,000.
Funding amounts depend on case strength, timeline, and company policies.
Take Action on Your Lawsuit Funding
Lawsuit funding in 2026 gives plaintiffs real options when bills stack up during long litigation. The rates have improved, the process has streamlined, and competition means better deals for those who shop around.
If you need cash while your case is pending, start by getting quotes from three or four companies. Compare total repayment amounts, not just monthly rates.
Your attorney can guide you toward reputable providers they have worked with before. Make the call, run the numbers, and decide what makes sense for your situation.
