STUDENT LOAN HELP
Having trouble managing your student loan now that it is out of the grace period, deferment, or forbearance?
Worried that your credit is going to suffer due to your student loan?
Ideally, you are just about to start college, or you are a parent about to send your child off to college and are seeking information about what type of student loan you are going to take, how much you need, and what the cost of those student loans will be when you are done. However, most people simply take whatever loans are offered and deal with them after leaving college, often leaving a huge, unanticipated financial burden in the end. It is not uncommon for a student to go through school and find out later that they are responsible for $1,000 – $1,500 or more per month to pay back their loan. Often times, new professional are surprised to learn that up to 30% of their income needs to go to pay back student loans, making it seem impossible to earn enough to make ends meet. Whether you are ahead of the game and getting ready to go to college, or have found yourself in the more common situation, we are here to help.
How It Works
Our process starts by reviewing your student loan obligations. From there we will look at your personal goals and how your student loan repayment is affecting those goals. We will come up with a working action plan that is tailored to your priorities and current student loan situation. If the process takes more than one month, a new action plan will be provided each month as progress is made.
Save Money
We provide custom personalized analysis and action plans for your situation and spend time with you face to face to do everything we can to ensure your financial success. We do everything that we can to make the program affordable. More importantly, we work with you to improve your credit and reduce your interest rates. The money you save with your improved budget and lower interest rates on current and future loans quickly cover the costs of your student loan help program.
During this step, your adviser will assist you in determining your business credit. With that, they will need further documentation like business bank statements, balance sheets, profit and loss documents, et cetera.
Everything we do we put in writing. In this step your adviser will present to you an action plan that includes a credit analysis and a financial analysis.
If your business credit establishment or restoration program takes more than 30 days, each month you will get a monthly action plan that informs you of where you are and where we are headed.
Note: With Delta Credit Restoration, all work per month is done prior to payment. Other credit repair organizations require upfront fees- a prohibited act according to federal law.
PRICE
Our Student Loan programs start at only $199. This includes all the financial analysis and planning as well as the budgeting and payment options process to manage the payments, forgiveness programs, deferments and/or forbearance. This covers most of our customers. Some customers with extremely complex student loan situations may require a more extensive plan and a quote will be given before work begins in these rare cases.
If the program process takes more than 30 days, the extended student loan program continues at only $59.99 per month. The Student Loan program can be added to the Individual Credit Restoration Program with no additional monthly fee (initial program fee still applies).