Answers before you book

A student loan expert spends 20 minutes by phone reviewing your loans and goals. You leave with your recommended plan, your estimated new payment, how it affects your mortgage, and a clear quote if you want us to handle the work.

Yes. You leave with your recommended plan and estimated payment whether or not you move forward.

No. There is no obligation. If you'd like us to handle your filing, your advisor explains the options and you decide.

Your studentaid.gov login and a rough idea of your income. We send a short checklist when you book.

It depends on what your loans need. Your advisor gives you clear pricing on your free review, before you commit to anything. You can pay in full or in installments.

Some borrowers need one repayment plan filing. Others need consolidation, rehabilitation, or a borrower defense claim first. Quoting after your review means you only pay for what your loans need, and we give clear and accessible education upfront for ABSOLUTELY FREE!

Often, yes. Lenders look at your debt-to-income ratio, so a lower student loan payment can increase how much home you qualify for. Our clients see an average increase of $99,802 in home buying budget. Individual results vary.

Income-driven repayment plans, Public Service Loan Forgiveness, loan consolidation, loan rehabilitation for loans in default, and borrower defense discharge claims. Your advisor tells you which apply to you.

Yes. You can apply for federal student loan programs on your own at no cost at studentaid.gov. Borrowers work with us for expert guidance on which program fits, error-free paperwork, and follow-up with their servicer. We assist in servicer error management and make your life less stressful.