Specialists in private student loan negotiation and consolidation.
Private student loans do not qualify for federal forgiveness programs, but they can still be negotiated. Here is how private student loan relief works and what options you have.
What private student loan help actually involves
Private student loans come from banks, credit unions, and online lenders. Unlike federal loans, they have no income-driven repayment or Public Service Loan Forgiveness. If you are struggling, the options are refinancing, forbearance, or settlement.
Settlement is possible when loans are in default. Lenders and loan holders sometimes accept a reduced lump sum rather than chasing payments for years. A specialist knows which lenders settle, how much they typically accept, and how to structure the deal.
Refinancing is another option if your credit has improved since you took the loan. A lower rate can cut your monthly payment and total interest. Your relief partner will compare both paths and recommend the one that saves you the most.
What is typically included
Signs you need it
- Your private student loan payment exceeds your budget
- You have already used up forbearance or deferment
- You are in default or near default
- Your interest rate is over 8 percent
- You have a co-signer you want to protect
- You considered bankruptcy but were told student loans cannot be discharged
What affects the cost
- Total private student loan balance
- Current interest rate and loan term
- Whether loans are current, delinquent, or in default
- Your credit score and income stability
- Lender willingness to settle or refinance
- Whether a co-signer is on the loan
We do not publish dollar figures because every project is different. Comparing local quotes is the only reliable way to know your real cost.
Our private student loan help process,
step by step
We do not push you toward any one contractor. We match you with vetted local pros and give you the information to choose well.
- 01Step 1 of 5
Share your loan details
Tell us your lender, balance, interest rate, and current status. We assess all available options.
- 02Step 2 of 5
Get matched with a student loan specialist
We connect you with partners who focus exclusively on private student loans and know each lender's policies.
- 03Step 3 of 5
Compare refinance vs. settlement
If your credit is strong, refinancing may save thousands. If you are in default, settlement may be the better path.
- 04Step 4 of 5
Negotiate or refinance
Your specialist either shops refinance rates or negotiates a reduced payoff with your current lender.
- 05Step 5 of 5
Resolve and protect your future
Your loans are restructured or settled. You get a clear monthly payment and an end date for being debt-free.
No payment, no signup, no obligation. You stay in control of every decision.
Private Student Loan Help questions, answered
Ready to talk to vetted private student loan help pros?
Now that you know what is involved, get free quotes from licensed local contractors. Two minutes to start. No obligation.