Student loans are confusing. Credit reports are worse. Your next step doesn’t have to be either.
We are an independent firm working on the two things that most often hold a household back. We explain your options in plain English, prepare the paperwork correctly, challenge what is being reported wrong, and tell you honestly when you do not need us.
Your full picture
Both halves, in plain English
Student loans
Credit reports
Your first review, either practice
Free, and no obligation
Estimates only. The Department of Education, your servicer, and the credit bureaus make the final decisions.
Borrowers guided since 2016
Loan programs and credit issues
Cost for your first review, either side
Fees quoted in writing before you pay
Where do you want to start?
Two practices, and you probably know which one you need
Most people arrive with one of these two sentences in their head. Pick the one that sounds like you, and we will take it from there.
“My student loan payment does not fit my life, or I am not sure what I qualify for.”
Student Loan Consulting
Our founding practice, and still the core of the firm. We help borrowers navigate income-driven repayment, PSLF, Parent PLUS, default, and disability discharge under rules that changed substantially in 2026. We prepare the paperwork, then manage the recertifications and servicer problems that trip most people up.
- Income-driven repayment: IBR and the new RAP
- Public Service Loan Forgiveness tracking
- Getting out of default without guesswork
- Ongoing recertification management
“Something on my credit report is wrong, or I do not know what is on it at all.”
Credit Repair
Our second practice, and the one clients kept asking for. We read all three reports line by line, challenge what is inaccurate, unverifiable, or past its reporting window, and coach the levers you actually control. Nothing is due before the work is performed, because federal law says so and because it is the right way to run this.
- All three bureaus, analyzed side by side
- Collections, charge-offs, and late payments
- Identity theft and mixed-file correction
- Credit building, not just removals
Two practices today. More of the household balance sheet over time. We are building toward a wider set of financial services under the same standard: transparent fees, honest answers, and no product we would not use ourselves.
Tell us what you needWhy people trust us
Both of our industries have a bad reputation. Deservedly.
Student loan debt relief and credit repair are two of the most enforced consumer niches in the country, and the companies that got shut down mostly did the same handful of things. We built this firm to be the opposite of that, starting with radical honesty.
We tell you the truth, even when it costs us a sale
Federal programs are free to apply for yourself at StudentAid.gov. If your best option is to do it on your own, or if a program is no longer available to you, we will say so.
We never ask for your FSA ID password
A legitimate firm never needs your StudentAid.gov login. Anyone who asks for it is a red flag. You stay in control of your own account.
Transparent fees, in writing, before you pay
You get a clear, written quote after your free evaluation. Our fees are tied to the work we do, and you know the full cost before you commit to anything.
A real team you can call
You work with real people at a real firm in West Palm Beach, Florida, not an anonymous call center. The same team that starts your case sees it through.
Practice one: student loans
Every major federal program, one expert team
Whatever your situation, there is likely a path. We work across all of the major federal repayment and forgiveness programs, under rules that changed substantially in 2026.
Practice two: credit repair
About one in five credit reports contains an error
And roughly one in twenty contains an error serious enough to change the rate a lender quotes you. We read all three reports, challenge what is inaccurate or unverifiable, and tell you plainly what is accurate and simply has to age off. Nothing is due before the work is performed.
How it works
A calm, four-step process
No high-pressure sales calls, in either practice. Just a clear path from confusion to a plan you understand.
Free evaluation
We start with a real conversation. You tell us your loans, your income, your employer, and what you are trying to accomplish. No cost, no obligation, no pressure.
A clear, honest strategy
We review your situation against the programs you actually qualify for under the current 2026 rules, and we walk you through your options in plain English, including what each one costs you over time.
We handle the paperwork
If you decide to work with us, we prepare your applications and documentation carefully and help you submit everything correctly the first time. You always sign your own forms.
We stay with you
We track your case, flag your recertification dates, watch for servicer errors, and keep you updated. Student loans are not a one-time form. Neither are we.
The 2026 changes
The rules changed. A lot. We keep up so you don’t have to.
A major federal law and the end of the SAVE plan reshaped repayment and forgiveness in 2026. The wrong move now, like consolidating at the wrong time, can cost you options you cannot get back. And because so much new loan data hit credit reports at once, the two problems are showing up together more than they used to.
Read the plain-English guideSAVE plan ended
Enrolled borrowers were moved to forbearance where the time does not count. Some also had those months reported as delinquent.
New RAP plan launched
A new income-driven plan with different math and a longer forgiveness timeline.
Parent PLUS window closed
The June 30, 2026 consolidation deadline passed. Options are now more limited.
Collections pause is temporary
If your loans are in default, now is the time to resolve them, and then to check the reporting.
What good outcomes look like
Real situations we work in
These are illustrative examples of the kinds of cases we handle, to show the shape of what is possible.
Freed up roughly $600 a month in cash flow
A borrower with about $75,000 in federal loans, a moderate income, and a household that improved their repayment math moved onto an income-driven plan that fit their budget.
A confusing forgiveness path became a tracked plan
A public-service borrower with about $120,000 in loans got their employment certified, their payment count reviewed for errors, and a clear path toward tax-free forgiveness.
Stopped the garnishment and got back on track
A borrower facing collections on about $60,000 in defaulted loans completed a resolution process and returned to good standing with a manageable payment.
These are illustrative examples of the kinds of situations we work in, not typical or guaranteed results. Every borrower's situation is different, and eligibility and outcomes are determined solely by the U.S. Department of Education and your loan servicer.
In their words
Borrowers we have helped
“Your professionalism, knowledge, and guidance made what could have been a very challenging process much more manageable. I am grateful for the positive outcome.”
“Rachael always communicated with me and gave me reassurance that the team was on top of every change before and after the federal changes. I am grateful to have had her talk me through the necessary steps.”
“I had no idea about the programs and options they suggested for me and for my daughter. I am honestly blown away. You are already changing my life.”
“I thought my loans were unmanageable on a single income with four children. After they went into default my wages were being garnished. They put an end to that and got me to a payment I can actually live with.”
“I graduated two years before my college shut down. I felt cheated. With their help I successfully petitioned for borrower defense and moved forward with my life.”
“They ran me in circles for years. For the first time I could actually consider future goals. They went on to help my entire family. There is no way I could thank them enough.”
Reviews reflect individual experiences with our student loan practice. Results vary and are not guaranteed. Eligibility and outcomes are determined by the U.S. Department of Education and your loan servicer.
Questions, answered honestly
The things people ask us first
Still have a question? Call us at (866) 952-5455 or start a free review on either side.
Browse the answer libraryAnswer library
How we work, stated plainly
Fees, guarantees, and the things we will not do, in the fewest words we can manage.
What is credit repair?
Credit repair is the process of reviewing your credit reports from Equifax, Experian, and TransUnion and challenging information that is inaccurate, incomplete, unverifiable, duplicated, misdated, or older than its legal reporting window. It does not reduce debt you owe and it cannot remove accurate, current, verifiable information. The industry is regulated by the federal Credit Repair Organizations Act.
How our credit practice worksCan a credit repair company remove accurate information from my credit report?
No. Accurate, current, and verifiable information cannot lawfully be removed from a credit report by any company, and it remains until it ages off on its own schedule. What can be challenged is information that is wrong, incomplete, unverifiable, duplicated, misdated, or past its permitted reporting period. Any company promising to delete accurate items is making a claim no one can legally deliver.
Is it legal to charge for credit repair before doing the work?
No. The Credit Repair Organizations Act prohibits a credit repair organization from charging or receiving any payment before it has fully performed the services it promised. That prohibition covers setup fees, deposits, and first-month prepayments. Advance-fee charging is the single most common basis for federal enforcement action against credit repair companies.
Red flags to check any company againstHow much does credit repair cost?
Most legitimate firms charge roughly $70 to $150 per month, billed after each month of work is performed rather than in advance, because advance fees are prohibited by federal law. Setup fees are common in the industry but are difficult to square with that prohibition. Our plans run $79, $109, and $149 per month with no setup fee and nothing due before work is performed.
See plans and what each includesHow long does credit repair take?
Each challenge carries a 30-day investigation deadline under the Fair Credit Reporting Act, extended to 45 days if you add documentation during the investigation, so a single round takes roughly a month. Most files require several rounds, and complex files take longer. No honest company can give you a completion date, because the timeline depends on how the bureaus and the furnishers respond.
What is a CPN and is it legal?
A credit privacy number, or CPN, is a fabricated nine-digit identifier sold as a lawful substitute for a Social Security number. It is not one. CPNs are frequently stolen Social Security numbers belonging to children or deceased people, and using one on a credit application is federal fraud. Using an employer identification number in place of your SSN to obtain personal credit is likewise fraud.
Do student loans help or hurt your credit score?
Paid on time, federal student loans generally help, by building long-dated installment payment history that supports two scoring factors. Installment balances also weigh far less than credit card balances, so a large loan balance is not damaging the way the same amount of revolving debt would be. Delinquency is what damages credit, and student loan delinquency is unusually often misreported.
Student loans and your creditWill getting out of student loan default remove it from my credit report?
It depends on the route. Completing loan rehabilitation, typically nine agreed affordable payments over ten months, removes the default notation from your credit report. Consolidating out of default resolves the loan faster but generally leaves the notation in your credit history. Under either route, the individual late payments preceding the default remain for seven years.
My student loans were in forbearance but reported as late. Is that fixable?
Yes, and it is one of the stronger challenges available, because a delinquency reported for a month when no payment was due is plainly inaccurate. You need the deferment or forbearance approval in writing with dates that line up. This occurred at volume during the SAVE plan transition, when enrolled borrowers were moved into forbearance.