Let us carefully consider whether consolidation is the best option for you. Student Loan consolidation can greatly simplify your repayment by centralizing your loans to one bill, and can potentially lower your monthly payments. You may also be eligible for alternative repayment plans that you would not have had available before consolidating. Speak with our Debt Relief Counselors to see if Student Loan Consolidation is right for you.
Most Federal Student Loans are eligible for consolidation. However, if you are in default, you must meet certain requirements before we can consolidate your student loans. Our Debt Relief Counselors will help you determine if your student loans can be consolidated or not.
Generally, you are eligible to consolidate after you graduate, leave school, or drop below half-time enrolment.
Adjustments to the monthly payments are determined on an individual basis, and typically, there are no pre-payment penalties. There are various repayment plans that are designed to meet the different needs of individual borrowers. Give us a call to receive more detailed information and a personalized quote from one of our Debt Relief Counselors.
Public Service Loan Forgiveness discharges the remaining balance of your Federal Student Loans after you have made a certain amount of monthly payments under a qualifying repayment plan. Reach out to our Debt Relief Counselors to see if you qualify for Public Service Loan Forgiveness.
Yes, it is! Many of the repayment options have forgiveness features as an added benefit. In order to find out how this is applicable to you, speak with our Debt Relief Counselors.
We provide a student loan consultation free of charge. However, the costs for our services vary. We are a results-oriented professional document preparation company, and we will only offer our services if we can accommodate you in finding the most effective repayment relief for attaining your financial goals.
There are many variables involved in the process of strategically conquering your student loan balance(s). Paying back a student loan debt properly can be as complex as repairing your own automobile, preparing your own tax return, or defending yourself in court. Consult with our Debt Relief Counselors to learn how we can be of assistance to you.
If you fail to honor your obligation of paying back your student loans, then you will inevitably go into default. Once in default, your servicer/lender/guarantor can take the following measures in order to collect the unpaid student loan balance:

  • Refer your case to a collection agency that will add a collection fee between 18% – 25%
  • Withhold/offset your income tax return
  • Garnish up to 15% of your earnings

If you think you are in default, speak with our Debt Relief Counselors immediately to get assistance!

In some cases, older consolidation loans can be re-consolidated. Every situation is unique and requires proper due diligence. Do not hesitate to contact our Debt Relief Counselors to find out if your existing consolidation loan is eligible for newer benefits.
Federal Student Loans can have certain pre-requisites in order to qualify for repayment alternatives which typically include more favorable terms. Our Debt Relief Counselors advocate for you to ensure that you develop a strategic plan for the repayment of your federally funded student loans.
There is no minimum or maximum loan balance that would ultimately qualify you for our service. Nevertheless, we will only offer our service if it proves to be financially beneficial to you.
  • Total and Permanent Disability (TPD) loan discharge qualifies former students for a complete cancelation of their federal education debt. If you are currently on permanent disability and have federal student loan debt, contact our Debt Relief Counselors as soon as possible.