FAQs

Our service package ranging from $200 to $600 is determined on your credit history and extensive documentation of a federal student loan consolidation you have applied for.

Your rate of interest for a consolidating loan is determined post assessing your credit worthiness and your choice of a fixed or variable rate.

You can be approved for multiple payment plans (Income Contingent Repayment (ICR) Plan and Income Based Repayment (IBR) Plan and Graduated. Contact us, and our counselor will advise you on the best plan available for you.

No, private student loans cannot be combined with federal student loans. Federal student loans come with different benefits and relief options.

Of course, it’s one of the benefits with the Department of Education. Common reasons why payments are defaulted are economic hardship, unemployment, and enrollment in college.

No, with federal student loans there are no prepayment penalties.

The Teacher Loan Forgiveness Program is intended to encourage individuals to enter and continue in the teaching profession. Under this program, if you teach full-time for five complete and consecutive academic years in certain elementary and secondary schools and educational service agencies you may be eligible for forgiveness of up to a combined total of $17,500

To assist in the recruitment and retention of professional nurses dedicated to providing health care to underserved populations, the Nursing Education Loan Repayment Program offers registered nurses substantial assistance to repay educational loans in exchange for service in eligible facilities located in areas experiencing a shortage of nurses.

The PSLF Program is intended to encourage individuals to enter and continue to work full-time in public service jobs. Under this program, borrowers may qualify for forgiveness of the remaining balance of their Direct Loans after they have made 120 qualifying payments on those loans while employed full time by certain public service employers.

Consolidation is something that you CAN do on your own. However, as you might already know, it is nearly impossible to navigate the bureaucracy of the application process; and any application discrepancy can disqualify you for 6 months. Our experience and expertise in document processing helps you complete the process more efficiently and more effectively. We charge you a nominal fee for these special services.