What are my repayment options?

There are multiple payment plans (Income Contingent Repayment (ICR) Plan and Income Based Repayment (IBR) Plan and Graduated. Contact us, and our counselor will advise you on the best plan available for you.

Do you help consolidate my private student loans with Federal Student loans?

No, private student loans cannot be combined with federal student loans. Federal student loans come with different benefits and relief options.

After Consolidation, can I defer my federal student loan?

Of course, it’s one of the benefits with the Department of Education. Common reasons why payments are deferred are economic hardship, unemployment, and enrollment in college.

Do I have to pay any pre-payment penalties for federal student loans?

No, with federal student loans there are no pre-payment penalties.

Which federal loans are in default?

No payment made for > 180 days or more on your federal student loans are considered in default.

How long does it take to remove defaulted status on NSLDS?

It can take up to 4-8 weeks to remove the default status in NSLDS.

Can I lower interest rates on my Federal Student Loans?

There is a possibility that certain lenders can lower your interest rates by .5% when consolidating during grace period (6 months out of graduation).

Can I do this on my own?

Yes. You can apply for loan consolidation or alternative repayment programs on your own without paid assistance through the DOE at Studentloans.gov.

How do I know if this is legitimate?

Yes it is legitimate! We at USFFC will let you know from the very beginning if we can or cannot assist you. We back all our services with our 100% Service Guarantee! We adhere to the highest ethical and moral business standards and practices.

Call us now: 844 358 8733
Email: info@usffc.org