Terms of Service

Please read these terms and conditions carefully before using our student loan assistance services. These terms govern your use of our website and services.

Last updated: December 8, 2025

1. Acceptance of Terms

By accessing and using our website and services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Service Description

We provide consultation and assistance services related to federal student loan programs, including but not limited to loan forgiveness programs, income-driven repayment plans, and loan rehabilitation services. We are not a lender, loan servicer, or government agency.

Important Notice:

All federal student loan programs are available directly through the U.S. Department of Education at no cost. Our services are optional and provide assistance and guidance through these programs.

3. User Responsibilities

By using our services, you agree to:

  • Provide accurate, current, and complete information
  • Maintain the confidentiality of your account information
  • Notify us immediately of any unauthorized use of your account
  • Use our services only for lawful purposes
  • Comply with all applicable laws and regulations

4. Payment Terms

Service fees are clearly disclosed before enrollment. Payment is due according to the terms specified in your service agreement. We reserve the right to suspend services for non-payment.

Refund Policy

Full refunds available within 3 days of enrollment if no work has been performed on your account.

Late Payments

Late payment fees may apply. Services may be suspended for accounts more than 30 days past due.

5. Privacy and Data Protection

We are committed to protecting your privacy and personal information. Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which is incorporated by reference into these Terms of Service.

We use industry-standard security measures to protect your personal and financial information. However, no method of transmission over the internet is 100% secure.

6. Limitations of Liability

Our liability is limited to the fees paid for our services. We are not liable for any indirect, incidental, special, or consequential damages arising from your use of our services.

Disclaimer:

We cannot guarantee approval for any federal program or specific outcomes. Program eligibility is determined by federal guidelines and your individual circumstances.

7. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of our company and is protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without written permission.

8. Termination

Either party may terminate this agreement at any time with written notice. Upon termination, your right to use our services will cease immediately. Provisions that by their nature should survive termination will remain in effect.

9. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the United States and the state in which our company is incorporated, without regard to conflict of law principles.

10. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be posted on this page with an updated "Last Modified" date. Your continued use of our services after changes are posted constitutes acceptance of the new terms.

Questions About These Terms?

If you have any questions about these Terms of Service, please don't hesitate to contact us.