What sets us apart is that we are the lowest cost solution in the industry and our core mission is to dramatically lower student loan payments within 60 days. Especially with the new study by SourceMedia Research showing student loan assistance is the top new benefit for HR Employee Benefits Administrators, now is the time to act!

• No employee minimums
• No annual fees
• Post paid after the work is done
• No long-term commitments: month-to-month
• No risk!

FEDERAL PROGRAMS SAVINGS VS OTHER PROGRAMS 5 YEAR COST EXAMPLE

Comparison below is based upon a scenario of an employee married filing jointing with 1 child in Ohio with annual adjusted gross earnings of $36,000. Same $32,000 student loan with a Standard Federal payment of $278/mo at 6.8% over 5 years for one employee.

Student Loan Default Plan:

Optional unless employee has defaulted on consolidated loans or is in wage garnishment.

• Prevents or stops 15% per paycheck wage garnishment if not already garnished
• We negotiate directly with collection agencies on behalf of employee for a lower monthly payment (as low as $5/mo)
• Get out of student loan default after 9 months
• Can go back to school when finished
• Removes default from credit report (just as bad as a bankruptcy) and helps credit score
• Removes late fees and penalty fees
• Includes any on-going support or program changes from assigned Case Manager
• Employee Student Loan Portal access

Investment: $795 post-paid per employee that qualifies

Consolidation and/or IDR Plan:

Consolidates multiple smaller loans into a single loan and/or enrollment into a Federal Income-Driven Repayment (IDR) Plan

• Prevents 15% per paycheck wage garnishment if in default
• The fastest way to get out of student loan default if they are in default
• Can go back to school (if employee was in default)
• Potentially much lower monthly payments based upon family size and income (as low as $0/mo)
• Potentially improves credit score
• Loan Forgiveness of any balance remaining at the end of the term (120 months, 240 months or 300 months)
• Includes Mandatory Annual Re-certification to stay in the Federal program
• Optional company contribution payments paid direct to loan servicer included
• Includes any on-going support or program changes from assigned Case Manager
• Employee Student Loan Portal access

Investment: $595 post-paid per employee that qualifies, then $12/mo

Company Contribution Plan:

Perfect for employees that do not qualify for Federal programs because they have private student loans or are making too much, you can make monthly payments towards their student loans.

• Online platform that automates giving
• Design your contribution plan
• Connects payroll vendors to automate contributions
• Employees self-manage and enter their information
• On-going personal support from assigned Case Manager

Investment: $8/mo per employee by itself or included with other plans

FAQ’s

Q: Why is there an upfront cost per employee?
A: Because this is a manual and time-intensive process performed by experienced experts in the student loan consolidation industry. We only charge when the work is finished.

Q: Can anyone attempt to do this on their own?
A: Absolutely, just like any other service such as tax preparation, oil changes, drafting your own will, mowing your lawn, etc. However there are many government programs and many people are denied for not doing it correctly (can only submit once every 6 months) or pay higher loan payment because they are in the wrong program or did not know how to negotiate against a collection agency. 

Q: Is there anything else that can be used to attract employees?
A: Yes! You can proudly let them know that the program they are in is participating in a great cause by feeding students in Africa for a whole year! Click on the box below for more details.