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We specialize in refinancing and restructuring defaulted and distressed private student loans. We help borrowers regain their financial freedom by lowering their monthly payments and avoiding wage garnishment. Our blog has helpful tips and information regarding federal loans, private loans, financial tips and government programs.
A 529 plan is often the best starting point for college savings. It has tax-free growth, high contribution limits, and flexibility. However, the best way to save depends on how much time you have, how much you can set aside each month, and how much flexibility you...
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Not having a cosigner does not shut the door to paying for college. Federal Direct Loans, backed by the U.S. Department of Education, generally require no cosigner and no credit check. For students without a creditworthy parent or relative willing to co-sign, or for...
If you have Direct Subsidized or Direct Unsubsidized Loans, you have a six-month grace period before your first payment is due after you graduate, leave school, or drop below half-time enrollment. For most federal student loans, the answer to “when do payments begin?”...
The Balance of Loans and Living Expenses Tuition is only one part of the cost of attending college. Students also need a place to live, food to eat, and money for utilities, transportation, and other everyday expenses. For many students, using student loans for rent...
Managing Critical Life Events Death and disability are not pleasant topics to think about. Beyond the emotional toll, there can be significant financial impacts for student loan borrowers, cosigners, spouses, and family members who may be left with questions about...
Your Major Shaped Your Career, it also Shaped Your Debt Choosing a field of study is one of the biggest financial decisions many students will make. Beyond shaping a career, it can also influence the amount of debt a borrower has after graduation. Some programs...
Time Sensitive Changes to the SAVE Plan For nearly two years, the SAVE plan (aka Saving on a Valuable Education) has been in legal limbo after court challenges were filed in March 2024. Payments were paused for many borrowers after court injunctions blocked parts of...
A 529 plan is often the best starting point for college savings. It has tax-free growth, high contribution limits, and flexibility. However, the best way to save depends on how much time you have, how much you can set aside each month, and how much flexibility you...
Your City Has an Impact on Your Student Loans Graduating and deciding where to live is an exciting, big step. There are many aspects to consider when picking a city to live in. It needs to match your lifestyle, including weather, career opportunities, family ties,...
Balancing Debt and Your Future While repaying student loans, the idea of retirement can feel far away. At the same time, ignoring your financial future is not a long-term strategy. That's when balancing can feel difficult: should you focus on paying down your loans as...
The Reality of Managing Multiple Types of Debt For many borrowers, student loan and credit card debt coexist. Between multiple due dates, interest costs, and the pressure to make progress, it can start to feel like you are treading water financially. If you have both...
Survey Results: What Your Goals and Tax Refund Really Tell Us About Student Loan Borrowers in 2026 We surveyed our borrowers in Q1 2026 about their goals, their progress, and how they’re approaching this tax season. Nearly 8 in 10 set a financial goal this year, and...
What does financial freedom look like when you're struggling with student debt? Our recent survey reveals the emotional weight behind the numbers: 81.3% say less stress and anxiety about money feels most important, while 83.5% report that money stress is actively...
Not having a cosigner does not shut the door to paying for college. Federal Direct Loans, backed by the U.S. Department of Education, generally require no cosigner and no credit check. For students without a creditworthy parent or relative willing to co-sign, or for...
If you have Direct Subsidized or Direct Unsubsidized Loans, you have a six-month grace period before your first payment is due after you graduate, leave school, or drop below half-time enrollment. For most federal student loans, the answer to “when do payments begin?”...
Understanding Sallie Mae’s Loan Modification Program For Sallie Mae private student loan borrowers struggling with payments, avoiding delinquency or default can be challenging. Missed payments can quickly turn into a serious financial situation. However, another path...
The Balance of Loans and Living Expenses Tuition is only one part of the cost of attending college. Students also need a place to live, food to eat, and money for utilities, transportation, and other everyday expenses. For many students, using student loans for rent...
Managing Critical Life Events Death and disability are not pleasant topics to think about. Beyond the emotional toll, there can be significant financial impacts for student loan borrowers, cosigners, spouses, and family members who may be left with questions about...
Your Major Shaped Your Career, it also Shaped Your Debt Choosing a field of study is one of the biggest financial decisions many students will make. Beyond shaping a career, it can also influence the amount of debt a borrower has after graduation. Some programs...
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