Student Loans Relief & Debt Consolidation

Can’t pay your student loans? Debt consolidation programs can provide you an affordable payment.

Student loan relief programs are now available in the United States, and this is great timing because student loan debt is currently at a five-year high!

Congress passed a piece of legislation called the William D. Ford Act which allows the Department of Education to consolidate student loans. 

There are six student loan consolidation programs available through the department of education.  The procedure and process that a person must go through to get approved for the right program, with the lowest monthly payment, is quite complicated. On top of that, a person must go through the process and get re-approved every year.

Let Golden Financial Services take over the stress of having to deal with these overwhelming loans.  We will take that weight off your shoulders and handle the communication, paperwork, and processing of your student loan consolidation.  Our job will be to find the best program for you that will cut your payment the most.

EXAMPLE  ONE: HERE IS AN APPROVED STUDENT LOAN CONSOLIDATION (NOTICE THE CLIENT’S NEW MONTHLY PAYMENT IS SET AT $0 PER MONTH, AND THEY HAD BEEN PAYING $550 PER MONTH.

Approved Student Loan Relief Consolidation Success Case

Success Case – This is an Approved Student Loan Consolidation

EXAMPLE  TWO: $26,713.59 IN FEDERAL STUDENT LOANS CONSOLIDATED AND PAID IN FULL – LEAVING THE CLIENT WITH ONE PAYMENT OF ONLY $52 PER MONTH

$26,713 in student loans consolidated and paid off

Over $26,000 in delinquent student loan debt – PAID IN FULL – New Payment of only $52 PER MONTH

These student loans relief programs are designed to:

–  Reduce your monthly payment

  Consolidate all of your payments into one payment

  Apply for forgiveness of your loan balance after a certain number of years

  Relieve you of having to deal with the stress of student loan debt, handling multiple payments each month and communication with the Department of Education

We GUARANTEE A FULL REFUND if you are not 100% satisfied with the student loan relief consulting and processing service we provide.

get student loan relief in all 50 states

Learn about student loan relief options that are available in all 50 states.

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Call us to see if you qualify for student loan debt relief NOW!

–  Providing Debt Relief Since 2004!

Call 1-866-376-9846

student loan debt relief FAQs

FAQs

Student Loan Debt Relief – Frequently Asked Questions

How does the Golden Financial Services Student Loan Consulting and Processing Service Work?

We gather all of your student loan information right from our software.  Within minutes we can find out how much you owe and what accounts qualify.

–  We prepare the documentation for the Department of Education.

–  We will get you approved for the program that will give you the lowest monthly payment.

–  We will take care of getting you re-approved (recertified) annually – for the income based hardship programs. 

It is required to get recertified every single year when enrolled in an income-based hardship student loan program. Since variables may change, such as your income, family size, and other factors, this is required.

What are my options for a student loan in default?

1.  Pay if off in full.

2.  Leave it as is and eventually get your wages garnished.

3.  Consolidate your loans, in 45-90 days the loan will be taken out of default and reported: “paid in full” to all the credit reporting agencies. 

When you are in default on student loans, your credit report will be negatively affected – leading to you possibly getting denied in the future for a mortgage, car loan, credit card and nearly all kinds of credit that you apply for.

What if my monthly payments are too high to afford?

Our goal is to reduce your monthly payment to as close to zero dollars per month as we can get. 

We will most likely find you a student loan relief solution that fits your budget.

Are private loans eligible for consolidation?

Private student loans are ineligible for the Federal Student Loan Relief Programs.  Debt relief programs are available where private student loans can be included.  If you need help with private student loans, visit here.

For a private student loan relief consultation – to learn your options – you may call 1-866-376-9846 and speak to one of our debt relief professionals –  FOR FREE. 

What accounts are NOT eligible for the Federal Student Loan Debt Relief Programs?

Loans made by a state or private lender (not government backed), primary care loans, law access loans, medical assist loans and PLATO loans are ineligible for federal student loan consolidation.

What is the Public Service Student Loan Forgiveness?

This program was created to encourage full-time public service employment.  If you are employed full-time by a public service agency, and you qualify for this program, you can have your debt forgiven after making 120 payments on your consolidation plan.

What public service jobs qualify for the Public Service Loan Forgiveness?

Any government entity qualifies – including The U.S. military, teachers, public transportation employees, etc… 

Organizations that are tax-exempt under the 501(c)(3) of the internal revenue code also qualify.

Call us at 1-866-376-9846 if you need student loan debt relief!

DISCLOSURES: 1. Student loan consolidation, relief & settlement options can be done on your own, just like a person can file their taxes. 2. We are not the government, nor do we work for the government. These are government offered programs, we only facilitate the program for you, deal with all communication, file all paperwork and annual re-approvals, apply for loan forgiveness, etc.. 3. We will apply for loan forgiveness for you and handle all of the necessary steps and paperwork required to get your student loan balances forgiven at the appropriate time, but the IRS could require you to pay taxes on the savings. 4. There are fees included with this program. 5. 100% Money Back Guarantee Included with the Golden Financial Services Student Loan Relief Program.