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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.
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...
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What is a Federal Student Loan Settlement? If you are researching options for a federal student loan settlement, it’s important to know upfront – it’s a rare and tightly regulated process. It’s also important to know that information about entering into a federal loan...
How are student loan borrowers really doing financially this holiday season? Our survey data reveals the numbers behind the stress: 53% feel more financially stressed than last year, 43.9% say loan payments significantly limit their holiday budget, and 38.8% lack...
Debt doesn’t exist in a vacuum. It affects how people sleep, how they show up in relationships, and how they experience everyday life. That’s why we recently asked 104,000 people to participate in a short, anonymous survey exploring the connection between debt and...
What is Student Loan Consolidation? Managing multiple student loan payments can be stressful. Loan consolidation is a popular strategy that allows borrowers to combine multiple loans into a single payment — simplifying repayment and, in some cases, reducing monthly...
As of 2025, 42.5 million Americans have some form of student loan debt, owing a staggering total of $1.797 trillion (Caporal, 2025). The average debt per borrower, including federal and private loans, is $41,618 (Hanson, 2025). For many, these numbers aren't just...
Regardless if you have graduated from college or have been taking courses here and there in hopes of completing a degree in the future, more than likely you will have student loans to eventually pay back. According to statistics provided by the U.S. Federal Reserve...
How Student Loans Affect Credit: New 2025 Borrower Survey Data Student loans are shaping people’s credit, causing delays or the impossibility of homeownership, and trapping borrowers in balances that only grow. These charts reveal the struggles that American people...
Interesting Facts, Data and Considerations to Buying a Home with Student Loans Many Americans, emerging into the workforce with an average of nearly $40,000 of student loan debt, find themselves spinning their wheels and going nowhere fast. Paying for education is...
As we once again round the corner to summer break, students everywhere vacate their campuses and set off in search of a summer gig. Some of them have been working all year and are increasing their hours for the season, while others pick up the summer job they have...
Do financial worries keep you up at night? You're not alone. According to the American Psychological Association, 82% of people aged 18 to 34 years cited money problems as a significant source of tension in their life.[1] But here's the good news: financial wellness...
With Americans owing over $1.81 trillion in student loan debt, scammers have found a lucrative target. The confusion surrounding recent policy changes—from payment pauses to forgiveness programs—has created the perfect environment for fraud to thrive. This...
Nursing is an admirable and rewarding profession, but nursing school is not cheap. Many medical professionals carry large student loan balances that can persist for years. When paired with high-intensity schedules and the rigors of patient care, it can be difficult...
Teaching is admirable work, but as most teachers know, there are financial trade-offs that come with the opportunity to shape young minds. Many teachers enter the profession with student loan debt disproportionate to their earnings, which can make repayment seem daunting. Entry-level teaching salaries often lag those of other professions that also require advanced degrees.
Wage garnishment is one of the most stressful consequences of defaulting on student loans. When money is taken from your paycheck, it can feel both frightening and personal. It’s important to understand that wage garnishment for student loan debt is serious but not...
For doctors and dentists, student loans are often a major source of financial stress. Attending medical or dental school often comes with a high price tag. This leaves many graduates with large balances before they reach their peak earning years. However, there is...
Can You Refinance Student Loans Without a Degree? The answer is: sometimes, but it depends on the lender. If you are looking to refinance without a degree, you still have options. Many borrowers assume that not having a degree disqualifies them from refinancing their...
What is a Private Student Loan Settlement? Are you considering a private student loan settlement? If so, there’s a lot to understand before deciding if it’s the right choice for you. Settlements do not have a standard process, and numerous variables (such as...
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