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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.
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?”...
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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...
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...
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...
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...
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