Complete the form below for your free evaluation:

Note: We are currently only accepting 5-7 applicants per month with total private student loan balances of $40,000 or greater.

If you are not 100% sure that your loans are private, please check www.studentaid.gov to see if they are showing up there (as federal student loans).

Name *

First

Last

Phone *

Email *

Best Days And Times To Contact You

What Is The Total Amount Of Your Private Student Loans? *

An approximate number is fine if you don't know the exact amount.

What State Do You Currently Reside In?

What Is The Name Of Your Private Student Loan Lender? *

If you have multiple private loan lenders, please list the name of each. If you are behind on payments, please list the name of any collection agencies on the account (if applicable). Your lender may be different than your loan servicer (for example, most National Collegiate Trust private loans are serviced by AES until they default).

Are You Current, Late, Or In Default? *

Current
Behind but not in default
Default

Lenders will only settle when loans are in default or seriously behind. If you're current and considering a "strategic default", first check out my article about the pros and cons of that strategy here: https://www.mycreditcounselor.net/should-i-strategically-default-to-settle-private-student-loans/

When Was The Last Time A Payment Was Made On Your Loan(s)?

If you aren't sure, an approximate date is fine.

Do You Have Cosigner(S) On Your Private Loan(S)? *

If You're Interested In Settlement, Will You Be Funding Your Settlement With A Lump Sum Payment Or Would You Like To Try For A Structured Settlement Paid To The Lender In Installments Over Time? *

Lump sum settlement - I will have 30-50% of the full balance to pay the full settlement amount at the time the settlement is negotiated.
Structured settlement - I can pay 40-60% of the total balance over a 2 year term with one third of the settlement as a down payment and the rest divided into monthly installments.
I do not have any funds for settlement - I am interested in refinance for current or defaulted private student loans

Notes, Questions, Or Anything Else I Should Know About Your Private Student Loans

Please keep in mind - settlement requires some type of access to funding (for lump sum, or down payments on structured/term settlement plans).

If you do not have any funds and cannot borrow/access any at all, I have nothing to negotiate with.

Common funding sources are: savings, income, friends and family, loans, home equity, 401k, assets, stocks, etc.

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Private Student Loan Evaluation Form

Complete the form below for your free evaluation:

Note: We are currently only accepting 5-7 applicants per month with total private student loan balances of $40,000 or greater. If you are not 100% sure that your loans are private, please check www.studentaid.gov to see if they are showing up there (as federal student loans).

Note: We are currently only accepting 5-7 applicants per month with total private student loan balances of $40,000 or greater.

If you are not 100% sure that your loans are private, please check www.studentaid.gov to see if they are showing up there (as federal student loans).