Student Loan Services
We can help lower Federal Student Loan payments to as little as zero dollars.
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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Sandra is the best she is patient kind knowledgeable and undertaking and provides a judgement free zone no matter how many times you find yourself calling her because life kicked your butt again .
Jeff is also great and super helpful and always is super on top of everything he does and every phone call . I owe them for helping get my life back
3/21/2024When thinking about what I was grateful for over the past year one interesting thing came up as a standout.
Perhaps credit services are not the typical thing to be thankful for at this time of year, and perhaps not for all standard reasons you might expect to hear in a gratitude tribute, but it goes like this...
Sandra is not just experienced and knowledgeable, but also calming in her manner. She was not judgmental and through mutual sharing made me realize things can happen to anyone and not to feel ashamed for inquiring about the subject of credit and all of the 'fun' things that can go along with it etc.
One of the most important things I am grateful for is how she was able to lower my stress level by not only being kind, but also by being respectful and truly understanding.
I am so glad I reached out to get a fresh perspective and get my queries answered on the way to fixing any related issues that need fixing.
Thank you so much again.
11/26/2023My name is Carlos mia and her team did amazing incredible job helping my with my credit this the best credit consulting I have ever seen they go beyond customer service they help u every step along the way they keep u updated so friendly and they are the best if ur having issues with ur credit or u want to improve it try fix your credit consulting they will help u they are the best at what they do thank you mia and ur team for all you do thanks
11/18/2023 -
I've been working with Mia now for the past two years. What can I say, she's a rock star. So thankful to be able to work with her on repairing my credit. My score is now 738. Thank you Mia! - 5 stars!
10/27/2023Your review is well-written! Here's a slightly adjusted version for clarity and coherence:
For over a decade, I've been primarily an artist and creator. This lifestyle often had me walking a tightrope with my credit. I always believed I'd address it someday, and when that day arrived, Fix Your Credit Consultants came to my rescue.
They not only removed derogatory marks from my credit history but also exceeded their promises by completing the process faster than estimated.
If you're facing credit issues, I can vouch for their exceptional work. Mia Lopez assisted me from start to finish. She was incredibly informative, helpful, and clear. Their excellent communication and execution earn them a well-deserved 5 stars.
I wholeheartedly recommend this business to anyone!
Thank you, Mia!
8/19/2023Man! Not even sure where to start. Mia is the GOAT at this, it took a hefty 10 months worth of work to fix my credit and damnit was it worth it!!!!!! she steered me in the right direction and kept her word from the first time I got on the phone with her for a free consultation, my credit before starting was completely shot and needed MAJOR work. Long story short Mia took control and revived my credit across all three credit bureaus. She communicates with you during the entire process and is fairly quick to reply to any concerns you may have. My scores are pretty much all at 700+, not to mention she managed to delete every single one of my negatives. Went from terrible credit to damn near A1 credit. If you are looking for an excellent credit repair company. I highly recommend Fix your credit consulting, they're the truth!
6/13/2023 -
I recommend Fix Your Credit with Sandra, she was amazing, from beginning to end. She helped me fix my credit in no time! Do not hesitate to consult with her.
5/18/2023My credit was terribly low before I found Fix Your Credit Consultant. I worked with Mia over the course of just two months and my credit boosted up 100+ points! Now my credit is over 740. Mia was very patient with me. She clearly explained every question I had. I'm so glad I got to work with Mia and her team! Definitely recommend to anyone who wants to fix their credit !
2/21/2023This credit counseling service has done wonders for me. They truly take the time to break down your credit report and help you understand it while providing solutions to raise your scores. They knocked off so many things on my credit report that I would have never had the time or patience to handle. Love them!
2/13/2023 -
Mia and her team have been a godsend navigating a tricky process to remove falsely negative claims on your credit report. Including unwanted past credit checks without my knowledge, old unpaid bill in collections which I never received notice for. Definitely use their service!!
2/11/2023Absolutely amazing services , they are awesome ! They gave me a consultation and did exactly what they said , raised my credit over 100 points. Mia has been amazing during the process. Highly recommended .
1/23/2023Wow just wow. Sandy and her team perform greatness. My boyfriend went from a high school student credit score with delinquent accounts to a 758 excellent credit score. He followed all instructions given on what he needed to do to build up his score and let the team work with his debt. Believe in her team for positive outcomes.
1/07/2023 -
Ok so I've been holding off writing this review for about 7 months. And as you can see by the 5 stars I left I'm beyond happy with the services this company provided me. I was skeptical at 1st even though they had stellar reviews (which is why I chose them) but there's always that thing in the back of my mind of "well they probably won't be able to help me though, I will be that exception they cant fix". Needless to say they absolutely crushed getting EVERY collection I had off my report!!! I had about 5 grand worth of stuff on there that they managed to make disappear like magic. My credit has shot up over 150 points! I cannot say enough good things about them. I even referred my coworker to them after and they sent me a $50 referral check back! If you're looking to clean up your credit, don't wait, call these superstars and get on your way to feeling confident about your credit again. I feel like a huge weight has been lifted off my shoulders and I'm so grateful. Thank you fix your credit!!!
8/27/2022I worked with Mia and Said for over a year, I believe. They were beneficial and responsive. Although we were not successful with all of my accounts, they still helped me raise my credit by about 100 points. So I stand satisfied. I recommend them. Not to mention there prices are very competitive. Thank you all.
8/17/2022I called this place about 3 months when I decided it was time to fix my credit. I spoke with Mia, she walked me thought the whole process in a 5 minute phone conversation. It was simple enough so I decided to pull the trigger and signed up. Its only been 3 months and already they have removed negative items and improved my score significantly. I strongly recommend to give them a call as soon as possible, I waited too long and I wish I would have called sooner. I will update in a few months with the final results.
5/25/2022 -
These guys are legit and professional at what they do and very quick as well very responsive and knowledgeable and they will do everything they can on your behalf
ASK FOR MIA SHE IS THE BEST.
3/22/2022I highly recommend Fix Your Credit Consulting. They helped remove my Bankruptcy and did it within 9 months. I'm very impressed. I was referred to them by a very reputable Credit Repair Attorney who works with them as well in between things, so they know their stuff and all of the legalities regarding fixing your credit.
I worked with Mia Lopez who's the greatest and did a very good job of taking care of me and my friend tackling every issue or challenge that we faced. My credit score is now over 800 on all 3 of my credit reports. I referred my friend who had a 480 credit score and it's now over 700.
They are one of the best if not the best credit repair companies out there. I will definitely work with them again if I need credit repair. Mia Lopez, you are the Greatest! Thank you so much for all of your help Mia. You deserve several raises. Job Well done! I'm one happy customer!
God Bless!
Cornelius Williams
3/07/2022