If you are having difficulties dealing with your federal student loans, struggling with your monthly payments, or having your wages garnished or tax refund taken every year — you do not have to face it alone.
We are experienced with student loan consolidation, payment reduction, rehabbing defaulted loans, and student loan forgiveness — and we put that experience to work for you.
“Discuss Your Options” books a paid consultation with a student loan specialist. Prefer to start right away? Enroll Now opens your intake questionnaire.
— as well as having a portion of your loans completely forgiven. Let’s find out what you qualify for.
These are the situations our clients come to us with every day. Every one of them has a path forward.
Servicers, paperwork, and programs that are hard to navigate on your own. We deal with the process so you don’t have to.
When the standard payment doesn’t fit your budget, income-driven options may bring it down to something you can actually afford.
Having your wages garnished or your tax refund taken every year is a sign your loans are in default — and default can be fixed.
“You may qualify for much lower monthly payments as well as having a portion of your loans completely forgiven!”
Every situation is different. We look at your loans, your income, and your goals — then match you to the program that fits.
Consolidate your federal education loans into one easy-to-manage loan — one payment, one servicer — and lower your payments in the process.
Income-driven repayment plans set your monthly payment based on what you earn, not just what you owe — so your payment fits your real life.
In default? The Loan Rehabilitation Program can get you back in good standing and stop collections, wage garnishments, and tax offsets.
Depending on your occupation and income, some — or all — of your student loans may be forgiven. We help you find out if you qualify.
From your first question to your final approval, our team handles the programs, the paperwork, and the follow-through.
Fill out the Student Loan Client Intake questionnaire so we can see your full picture — loans, income, and where things stand.
We match your situation to the right program — consolidation, income-driven repayment, rehabilitation, or forgiveness — and map out your next steps.
With your plan in place, you move forward with a lower payment, a way out of default, or a path to forgiveness.
Pick the package that fits, then choose how you’d like to pay — one payment, or four smaller payments billed bi-weekly.
For current Prosperity IQ clients
one-time payment
Or spread it out: 4 equal payments of $99, billed bi-weekly.
Standard package
one-time payment
Or spread it out: 4 equal payments of $175, billed bi-weekly.
Our fees are reasonable and there are NO long binding contracts. Not sure which package fits — or whether you qualify at all? Book a paid consultation and discuss your options with a specialist first.
Wage garnishment and tax refund offsets usually mean your federal loans are in default. Through the Loan Rehabilitation Program, we help you get your loans back in good standing — which stops collections, wage garnishments, and tax offsets.
On an income-driven repayment plan, your payment is based on your income. We negotiate the lowest monthly payment possible for your situation — and for qualifying borrowers, that payment is usually $0 while still keeping your loans in good standing.
Depending on your occupation and income, some or all of your student loans may be forgiven under federal programs. Complete the intake questionnaire and we’ll review exactly what you may qualify for.
No. Our fees are reasonable and there are NO long binding contracts. You choose a package, choose how to pay, and we get to work.
Two good options: enroll now by completing the intake questionnaire, and we’ll take it from there — or book a paid consultation to discuss your options with a student loan specialist before you decide.
Let’s improve your Prosperity I.Q. score!
Lower payments, a way out of default, and a real path to forgiveness — it starts with one questionnaire.
Enroll NowWe are a company with integrity. Experienced help with consolidation, payment reduction, default rehabilitation, and forgiveness — with reasonable fees and no long binding contracts.
