Combine federal student loans into one low payment.

See if you qualify for lower interest, stop garnishment.

Student Loans

Finding the right way to deal with your student loan debt is easier when you know some basics about how your student loans work. Understanding the types of student loans you can hold and how interest gets applied to your debt once you end your full-time enrollment in school can be key to determining the best solution for your needs.

Federal vs. Private Student Loans

Knowing which way to go to fund your education.

How you decide to fund your education is a critical decision. The same goes if you’re helping your kids. The right choices set you up for success. On the other hand, the wrong choices can leave you in a bind for decades to come.

There’s also a big difference in how you get help for federal loans versus private loans, and what damage they can do to your financial outlook if you fail to pay. So if you’re behind, it’s important to know which loans you have so you can find the right way to move forward.

What are the differences between the two?

Besides where the loans came from, there are some key differences that are important to know about:

  • Federal student loan applications don’t involve a credit check; private do.
  • Interest rates on federal loans are set by Congress; private student loan interest rates are set according to your credit score.
  • Federal student loans can be consolidated effectively (and affordably) through most student loan consolidation programs you see advertised; private loans require a different solution if you need debt relief.

You can benefit from credit card debt help if you…

You can benefit from student loan debt help if you…

  • Currently hold one or more federal student loans
  • Are struggling to keep up with student loan payments
  • Could benefit from lower interest on your student loans
  • Are having wages garnished or face tax liens from of student debt.

  • FAQs

    Frequestly Asked Questions

    Q:
    Are student loans forgiven if you declare bankruptcy?
    A:

    Most people think of bankruptcy as a completely clean slate – you take a credit penalty in exchange for a judge clearing your decks of all your outstanding debt. Unfortunately student loans don’t operate like other debt so bankruptcy may not fix your situation, even if the loans are private.

  • Testimonials

    Testimonials

    James

    “The debt consolidation program was a God-send, not only financially, but also by providing peace of mind. With much gratitude, many thanks to you and your staff.”

    James B.
    Debora

    “It cost me money I really didn't have but thanks to my meager savings it's a done deal. However, I will recommend this company to all looking for the help you need!”

    Debora B.