Student Loan
Consolidation Services

To help you with your student loan consolidation and unsecured debt consolidation questions we have compiled a list of the most frequently asked questions:

What is a student loan consolidation?

• Simply, consolidation is a program where we consolidate and accelerate your payments and advance yourself to total debt freedom.

How is debt consolidation different from a personal loan?

• Debt consolidation plans involve restructuring your existing debt with your existing creditors. Money is not loaned, and creditors do not change but the terms and conditions under which the existing debt can be repaid does change. Under our consolidation plan, the monthly payment which is expected by the creditors is typically lowered and, in most cases, interest due to the creditors is lowered and sometimes totally eliminated. A person qualifying for a consolidation program will usually find they are making more progress towards reducing their debt even though they are making lower monthly payments. Since most creditors report payments received under this plan as prompt payment, the person's credit report is usually improved. So as you can see there is a big difference between personal loans and a sound debt consolidation effort. Use our FREE NO OBLIGATION QUOTE and break the cycle of debt!

What do I need to get started?

• We just need basic information to start working on a consolidation program that will make sense for you. Just go to our Free Quote page for a no obligation consolidation quote.

How long does it take?

• You will normally receive your free consultation within 24-48 hours from a specialist who understands your credit problems.

Do I have to give up all my credit cards?

• No. Unlike many of the Credit Counseling Services available today, we will consolidate only the debts you ask us to.

Why a personal loan won't help?

• Loan consolidators are private businesses that lend you money to pay off all your debts. The good news is you owe only one creditor - them. The bad news is that the interest rate they charge may be very high, and you may be hit with the stiff fees for paying off the loan ahead of schedule

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FREE NO OBLIGATION QUOTE!