National Student Loan Service Center | Student Debt Relief
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Effortlessly Solve Your Student Loan Debt Issues Today

Seeing that there is a mountain of student loan debt saddling recent and older graduates, there have been many programs made available to help those struggling with student loan debt.

IN DEFAULT?

If you are in default we can find you the best Federal mandated rehabilitation options.

ONE PAYMENT

If you are sick of having bills pile up, let us consolidate all your student loans into one tidy monthly payment.

REPAYMENT PLANS

For your Federal Student Loans there are plenty of options that are allowed by Federal law. We can help find the best option that you qualify for.

FORGIVENESS PROGRAMS

We can find you the best forgiveness program for your situation and we can walk you through the process quite easily.

Fill out the following form to have one of our Student Debt Relief Experts call you with a FREE Step-by-Step Action Plan that will resolve your particular situation.

Student Loan Debt Consolidation

Student Loan Consolidation is available to help students reduce their federal education debts by combining all of their outstanding loans into a single loan.

WHO IS ELIGIBLE FOR A CONSOLIDATION?

Consolidation Loans are available to most borrowers of Federal education loans and come from one of two sources. Direct Consolidation Loans and Federal Consolidation Loans.

WHAT IS CONSOLIDATION

The Financial meaning of the term: Taking Multiple debt or credit lines and consolidating them into one new payoff plan. Frequently, this is a consolidation loan, provided to consolidate debts into one loan with one payment.

WHY CONSOLIDATE

Consolidation Loans allow borrowers to combine one or more of their Federal education loans into a new loan that offers several advantages.

GREAT REASONS WHY TO CONSOLIDATE

One Lender and One Payment
With only one lender and one monthly payment due for student loans, it is easier than ever for borrowers to manage their debt. Borrowers have only one lender, the US Department of Education, for all loans included in a Direct Consolidation Loan.
Repayment Options
Borrowers can choose from multiple repayment plans with various term selections to repay their consolidation loan(s), including an Income Based Repayment (IBR), Income Contingent Repayment (ICR) or Pay as You Earn (PAYE). These Plans are designed to be flexible to meet the different and changing needs of borrowers. With a consolidation loan, borrowers can switch repayment plans at anytime.
No Minimum or Maximum Loan Amounts
There is no minimum amount required to qualify for a Direct Consolidation Loan.
Reduced Monthly Payments
A consolidation loan may ease the strain on a borrower’s budget by lowering the borrowers overall monthly payment. The minimum monthly payment on a consolidation loan may be lower than the combined payments charged on a borrower’s Federal education loans.
Strengthen Your Credit
All federal and private student loans are considered unsecured debt. That means they are not backed by collateral, by some asset – a house, a car, a piece of land. Unsecured student loan debt is looked upon more favorably by lenders when it comes to evaluating your credit worthiness. Student loan debt is often considered good debt because it represents an investment in your future. If you are timely in making your federal and/or private student loan payments to your lender, having this type of debt can actually begin to strengthen your credit rating after about six months of steady payment. Better yet, if your student loans are consolidated, reducing the number of active accounts on your credit report, it can heighten your score as well.

Seeing that there is a mountain of student loan debt saddling recent and older graduates, there have been many programs made available to help those struggling with student loan debt.

We can help choose the best repayment option for your situation

Standard Repayment

With the standard plan, you’ll pay a fixed amount each month until your loans are paid in full. Your monthly payments will be at least $50, and you’ll have up to 30 years to repay your loans with a fixed interest rate. The standard plan is a good fit for you, if according to your budget the IBR, ICR and PAYE plans are higher in monthly payment, as the standard plan does not account for your finances.

Graduated Repayment

With this plan your payments start out low and increase every two years. The length of your repayment period will be up to 30 years. If you expect your income to increase steadily over time, this plan may be right for you. Your monthly payment will never be less than the amount of interest that accrues between payments.

Income Based Repayment Plan (IBR)

Under this plan the required monthly payment will be based on your income during any period when you have a partial financial hardship. Your monthly payment may be adjusted annually. The maximum repayment period under this plan may exceed 25 years. If you meet certain requirements over a specified period of time, you may qualify for cancellation of any outstanding balance of your loans.

Pay As You Earn (PAYE)

On December 2012 the DOE announced that borrowers with Federal Student Loans may now be able to take advantage of a new repayment plan that could lower their monthly federal student loan payments. The plan, known as Pay As You Earn, caps monthly payments for many recent graduates at an amount that is affordable based on their annual income. This new option follows through on President Obama’s promise to provide student graduates with relief on their student loan payments and help them responsibly manage their debt payments.

Income Contingent Repayment (ICR)

  • This plan gives you the flexibility to meet your Direct Loan obligations without causing undue financial hardship. Each year, your monthly payments will be calculated on the basis of your adjusted gross income (AGI, plus your spouse’s income if you’re married), family size, and the total amount of your Direct Loans. Under the ICR plan you will pay each month the lesser of:
    1. the amount you would pay if you repaid your loan in 12 years multiplied by an income percentage factor that varies with your annual income, or
    2. 20% of your monthly discretionary income.

    If your payments are not large enough to cover the interest that has accumulated on your loans, the unpaid amount will be capitalized once each year. However, capitalization will not exceed 10 percent of the original amount you owed when you entered repayment. Interest will continue to accumulate but will no longer be capitalized. The maximum repayment period is 25 years. If you haven’t fully repaid your loans after 25 years under this plan, the unpaid portion will be discharged. You may, however, have to pay taxes on the amount that is discharged.

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STEP PROCESS TO BECOMING STUDENT LOAN DEBT FREE

  • Get an Evaluation
  • Review Your Options
  • Submit Your Application
  • Get Your Loans Paid Off
  • Start Making Payments

Fill out the following form to have one of our Student Debt Relief Experts call you with a FREE Step-by-Step Action Plan that will resolve your particular situation.

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