How It Works

What is your current financial situation?

The Department of Education determines the eligibility requirements to lower your student loan payments.  This eligibility is based on a few factors: your yearly adjusted gross income, family size, and student loan debt amount.  You can plug this information into our repayment calculator to determine which loan plan that you qualify for and is best for your situation.

Which program do you receive the most savings from?

You might qualify for multiple repayment options through the Department of Education.  Based on your financial lifestyle and what is needed, you will pick which program you feel is best for your situation.  You will not be alone in this process.  Our counselors will explain each option in detail, both the pros and cons.  Once you have chosen your option, we guarantee all applicable steps are followed in order to get your repayment plan started.

What is the application process?

When you hire Student Loan Care, we process your application from the beginning to the end.  The documents are organized and sent to you for your authorization and signature. From there, the documents are sent to the lender. The lender can take roughly 45-90 days to complete the consolidation process. These programs are also available through the Department of Education if you so choose to apply for the consolidation on your own.

What is your guarantee?

Student Loan Care reviews all applications carefully.  We guarantee you to qualify for the consolidation plan that we suggest, or you receive your money back*.  It is important to be honest about your financial situation, as this greatly affects your eligibility for aide.  You are not alone!  We have heard it all.  Our staff is always considerate and professional.

Call us today to hear your no-hassle options!


*We offer a full money back guarantee if your application is declined from the Department of Education due to a mistake in our submission of the needed documentation.


**Student Loan Care is in no way affiliated with any federal or state government entity or agency.

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