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Student Loan Services

If you have student loans, you know how difficult it can be to pay them back and keep track of the multitude of regular payments they require. Not to mention, the anxiety that comes with it. But did you know that Fix Your Credit Consulting can help you consolidate your various federal loans into a single loan with a fixed interest rate? Not only that, but doing so can help you qualify for loan forgiveness! You can find out what your consolidation options are right now by calling us for a free consultation at (877) 212-2450.

 

What Is Loan Consolidation?

Loan consolidation is when you take separate, but similar, loans and combine them into one loan with one interest rate. If you have multiple Federal Student Loans you may be able to combine and get a fixed interest rate based on the average of the interest rates on the loans being consolidated. You may qualify for different kinds of repayment plans--including some with no monthly payments.

Federal Student Loan consolidation is done through the Department of Education via a federal loan servicer of your choice (e.g. NelNet, FedLoan, etc.). The servicer effectively takes on your old loans, combines them, and then they collect all of your future payments.

The three types of loans that qualify for this service are as follows: Direct Loans, Federal Family Education Loan (FFEL) Program Loans, & Perkins Loans.

 

Federal Student Loan Forgiveness

After consolidating your Federal Student Loans, you may also qualify for Student Loan Forgiveness, which can mean an overall lower payment or a total erasure of your outstanding debt! Eligibility is based on job, income, family size, the closure of your school, disability and other special circumstances.

Circumstances That May Qualify For Forgiveness!

  • Public Service Loan Forgiveness
  • Closed School Discharge
  • Perkins Loan Cancellation and Discharge
  • Student Loan Forgiveness Relief
  • Discharge Due to Death
  • Unpaid Refund Discharge
  • Teacher Loan Forgiveness
  • Borrower Defense Discharge
  • Total and Permanent Disability Discharge
  • False Certification of Student Eligibility or Unauthorized Payment Discharge
  • Certain types of cancellations are available to military personnel, teachers, nurses, child care providers, or borrowers affected by the closure of a school.

 

Are Your Student Loans In Default?

If you have Federal Student Loans in default status (Collections, Charge Offs) you could see your tax return intercepted in the amount owed towards your student loans. If you don’t receive a tax return, you can very likely see your wages garnished if you fail to pay your government backed Student Loans. Fix Your Credit Consulting can help you REHAB your student loan accounts to get your student loans out of default and stop further tax return interceptions and wage garnishment. Once your accounts have been rehabilitated with the Department of Education, you can consolidate them at a fixed rate and eventually qualify for loan forgiveness.

So call Fix Your Credit Consulting today at (877) 212-2450 to see if you qualify for Student Loan Consolidation and take the first step towards possible loan forgiveness!

 

 

   

 

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