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.
No, private student loans cannot be combined with federal student loans. Federal student loans come with different benefits and relief options.
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.
No, with federal student loans there are no pre-payment penalties.
No payment made for > 180 days or more on your federal student loans are considered in default.
It can take up to 4-8 weeks to remove the default status in NSLDS.
There is a possibility that certain lenders can lower your interest rates by .5% when consolidating during grace period (6 months out of graduation).
Yes. You can apply for loan consolidation or alternative repayment programs on your own without paid assistance through the DOE at Studentloans.gov.
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.