Student Debt
Are you having trouble with your student loans? Here you’ll find useful information about the available programs.
Repayment
Recertification
Consolidation
Rehabilitation
What is it about?
Through our Comprehensive Assistance Program, we help borrowers with federal student loans find legal and accessible solutions based on their financial situation.
We work with official programs supported by the United States Department of Education, designed to reduce monthly payments, prevent default, and provide long-term financial stability.
Our team analyzes each case individually to identify the most suitable program and guide the client throughout the entire process.
Official programs that adjust the monthly payment according to the borrower’s income and household size, allowing for more affordable payments and even $0 monthly payments in some cases.
How does the process work?
1. Review of the loan type (must be federal).
2. Collection of documents (2 recent pay stubs or proof of income).
3. Submission of the Income-Driven Repayment Plan Request form.
4. Assignment of the most suitable payment plan.
Mandatory process required to maintain an active income-based repayment plan and preserve affordable monthly payments.
How does the process work?
1. Update financial information.
2. Submit documentation to the loan servicer.
3. Confirmation of the new monthly payment amount.
Allows multiple federal student loans to be combined into one single monthly payment with access to more organized and manageable repayment options.
Benefits:
• One single monthly payment.
• One assigned loan servicer.
• Immediate access to IDR plans.
• Regularization of past-due loans.
• Reduced risk of delinquency or default.
How does it work?
1. Application submitted through studentaid.gov.
2. Selection of loans to consolidate.
3. Automatic assignment of a loan servicer by the United States Department of Education.
4. Immediate enrollment into an IDR (Repayment) plan once the consolidated loan is created.
Program designed to help borrowers in default restore their loans and regain active loan status.
How does it work?
1. Negotiation of the rehabilitation process with the assigned collection agency or the Department of Education’s Default Resolution Group.
2. Completion of 9 consecutive monthly payments directly to the entity managing the defaulted loan.
3. Once the required payments are completed, the loan is removed from default status and transferred to a regular loan servicer for standard administration.