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We will consolidate all your loans and LOWER your monthly payment FAST!

About Us was established to assist people who are struggling with the high payments associated with Federal Student Loans. is a consulting firm that offers an affordable way to make your federal student loan debt more manageable by consolidating all of your loans into one loan and lowering the overall payment. With our extensive experience in negotiating and depth of knowledge in the financial service business, we have an excellent success record in consolidating federal student loan debt.


What is a Consolidation?

Consolidation Loans combine several student loans into one bigger loan from a single lender which is then used to pay off the balances on the other loans. It is very similar to refinancing a mortgage. Consolidation loans are available for most federal loans, including FFELP (Stafford, PLUS and SLS), FISL, Perkins, Health Professional Student Loans, NSL, HEAL, Guaranteed Student Loans and Direct loans.

What are flexible Consolidation Repayment Options?

Borrowers can choose from multiple repayment plans with various term selections to repay their consolidation loan(s), including an Income Contingent Repayment and an Income-Based Repayment Plan. These plans are designed to be flexible to meet the different and changing needs of borrowers. With a student consolidation loan, borrowers can switch repayment plans at anytime. If you select the IBR Plan and want to change at a later date, your only option will be the Standard Plan.

What is the Minimum or Maximum for Student Loan Amounts?

There is no minimum amount required to qualify for a Direct Consolidation Loan or Student Loan Consolidation program.

What are the consequences of defaulting?

Your Federal student loans are considered in default after 270 days (9 months) of non-payment. Consequences include:

  • Immediate increase in the interest rate of your student loans to 18.5% in addition to any collection agency fees.
  • Immediate loss of your Title IV Financial Aid benefits.
  • Negative reporting to the three credit bureaus that could result in difficulties obtaining home and auto loans and credit cards.
  • Withholding of your federal income tax return by the IRS to repay the defaulted student loans.Administrative Wage Garnishment of up to 25% of your paycheck.

How long does it take to get out of default?

On average it only takes 4-8 weeks to remove your loans out of a default status.

Can I discharge my Federal student loans in a bankruptcy?

It is extremely difficult to discharge federal student loans in a bankruptcy unlike credit cards or any other type of private lender debt.

Can I consolidate my student loans on my own?

Yes you can however the consolidation process is a complex one. If you prepare the documents on your own and make an error, you will automatically be placed in the Standard Program where you can expect your payment to be much higher than the programs based on family size & income. This error could potentially cost you 1000ís of dollars.

Why cant my current lender help me?

Only the Department of Education can offer the benefits of programs like Income Based Repayment program which has loan forgiveness features.

Will consolidating my student loans prevent future garnishments?

If you are now in a "Delinquent" status with your current lender(s), consolidating your loans will bring you to a "Current" status. Keep in mind, if you donít pay your new loan payment you run the risk of wage garnishment.

Will consolidating my student loans hurt my credit record?

Consolidating your student loans will actually improve your credit score. The government pays off your student loans in full. Within 60 - 90 days your credit report will show loans in current status and paid in full.