A Direct Consolidated Loan allows you to consolidate (combine) multiple federal education loans into one loan. The result is a single monthly payment instead of multiple payments and often times a lower interest rate


Generally, your payment amount under an income-driven repayment plan is a percentage of your discretionary income. The percentage is different depending on the plan. Depending on your income and family size, you may have no monthly payment at all.


Rehab withdraws your loans from the collection agency back to a servicer appointed by the Dept. of Education in good standings. All derogatory marks on your credit report left by the defaulted loans will be Removed. Any wage garnishment and/or tax offsets are released by Rehabilitating the defaulted loans


Many borrowers qualify for student loan forgiveness. Depending on your occupation you may qualify for loan forgiveness after a certain period of time of paying back your loans. Borrowers enrolled in an Income Driven Repayment plan may also qualify.


Give us a call today and schedule a free one-on-one consultation. Office Hours:
Monday-Friday 9am-5pm PST.


  • FRESNO CA: 5293 N First St, Fresno, Ca 93710
  • ViSALIA CA: 3300 S Fairway St, Visalia, CA 93277
  • 2150 Park Pl #100, El Segundo, CA 90245


30-90 Days-
Turn Around Time
Personal Credit Education 10 years of experience


Have the EXPERTS on your side. We negotiate directly with the credit companies assisting them with their obligations according to the Fair Credit Reporting Act. Then, we communicate directly with the credit bureaus to confirm that the appropriate changes have actually occurred.


We make it easy to stay connected to your progress as you reach your goals with powerful tools, including:
  • Personal Credit Dashboard
  • Credit Report Tracking
  • Credit Education
  • Credit Tradelines & Services

Track Results

Score improvement is more than just removing negative items on your report. Improving your credit is learning the credit reporting factors that lending institutions use to make credit determinations.

Items Needed

Our program takes 30-90 business days.
  • Social security card
  • Utility bill
  • Driver's license
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