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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.
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...
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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...
Marriage changes a lot about life, like living situations, daily routines, hobbies, and long-term financial plans. Marriage can also change student loan payments, sometimes in a big way. While certainly not as much fun as wedding planning, financial planning for...
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...
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...
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...
Here's the truth about money management: It's not about earning more—it's about working smarter with your current income. Whether you're juggling student loans, credit card debt, or simply trying to save for your future, the foundation of financial success is a solid...
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...
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...
Marriage changes a lot about life, like living situations, daily routines, hobbies, and long-term financial plans. Marriage can also change student loan payments, sometimes in a big way. While certainly not as much fun as wedding planning, financial planning for...
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...