Affordable Cost
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  • Loan Document Preparation

    Get your application properly prepared and documented.

  • Default/Garnishment Assistance

    Are you garnished by the creditors and you are searching for the help.

  • Repayment Plans

    choose the best plan according to your income and financial situation.


We are Accreditated


Defaulted? Tax and Wage
Garnished? Get Your
Documents Prepared.

Defaulting on your loan has serious consequences. For most Americans, getting garnished while trying to provide for your family can be very stressful. Let us help get you out of default and prevent/stop your garnishment!

We’re trusted by more than 35000 clients

  • Uplift Your Default
  • Stop/Prevent Wage Garnishment
  • Stop/Prevent Tax Offset (garnishment through tax return)
  • Restore Your Credit
  • Stop/Prevent All Consequences relating to Defaulted Loans (List of major consequences here)
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Services Available to You

Turn information
into proper documentation.

Income Driven Repayments

Income driven repayment programs calculate your new payments based on your income and expenses, not your loan balance. We can prepare the documentation necessary to apply for a repayment program that can reduce or potentially eliminate your monthly student loan payments.

Defaulted Documentation

The rehabilitation program offers one of the most affordable solutions to bringing your documentation preparation out of default. Once your documents are in good standing, apply for an income driven repayment for more manageable payments.

Annual Certifications

Does your program require you to certify your income or occupation annually? Our company can prepare your certification papers each year so you don't forget! We'll make sure your documents are prepared correctly and to Department of Education standards so you can actively remain in your program.

Loan Document Preparation

Get your application properly prepared and documented by our experts and qualify yourself for a loan forgiveness program without any hurdle. We can prepare documents for Hardship Student Loan, Public Student Loan, Disability Discharge, Teacher Loan.

Consolidate student loans

Th U.S Department Of Education will combine all your current loans into one loan. You will have one servicer with one monthly payment and even opens your loans up to federal programs that you were not eligible for before enrolling into the William D. Ford Federal Direct Loan Program.

Default/Garnishment Assistance

Are you garnished by the creditors and you are searching for the help to escape from this situations then contact us , and get your case properly documented, Get out of default, Stop Wage Garnishment.


What is Loan Forgiveness?

Loan forgiveness is not one program but a series of programs created by the Department of Education under the William D Ford Act. These programs include the PAYE, Public Service Loan Forgiveness, Teacher Loan Forgiveness, Closed School Discharge, Perkins Loan Discharge, Total and Permanent Disability Discharge and Borrowers Defense to Repayment

First, you must have had no outstanding balance on a Direct Loan or Federal Family Education Loan (FFEL) Program loan when you received a Direct Loan or FFEL Program loan on or after Oct. 1, 2007.
Second, you must have received (a) a disbursement of a Direct Subsidized Loan, a Direct Unsubsidized Loan, or a Direct PLUS Loan for students on or after Oct. 1, 2011; or (b) a Direct Consolidation Loan based on an application that was received on or after Oct. 1, 2011.

No. According to the Internal Revenue Service (IRS), student loan amounts forgiven under PAYE aren’t considered income for tax purposes. For more information, check with the IRS or a tax advisor.

There is no income requirement to qualify for the PAYE or other income driven programs. However, since your required monthly payment amount under most of the qualifying repayment plans is based on your income, your income level might be a factor in determining whether you have a remaining loan balance to be forgiven after making 240 qualifying payments.