Specialized strategies for overcoming student debt in America
With over two decades of combined experience in financial law and debt management, our team of former lenders, legal experts, and financial analysts brings unparalleled insight into the student loan crisis. We've navigated both sides of the system - from designing repayment programs for major lenders to developing defense strategies against aggressive collection tactics.
Our proprietary TRMP™ (Term Rate Monthly Payment) system combines legal frameworks with financial engineering to create accelerated repayment plans that traditional institutions can't match. We maintain strict compliance with CFBS and CBR regulations while employing innovative negotiation tactics honed through years of direct industry experience.
Leverage our insider knowledge of lender operations to secure favorable repayment terms. All communications are recorded and analyzed by our legal team to ensure maximum consumer protection.
Our three-phase credit deletion program systematically removes negative marks from your credit history, with most clients seeing complete rehabilitation within 30-60 days of program completion.
Immediate cessation of collection efforts through injunctive relief filings. Our network of former lender attorneys provides proactive defense against wage garnishment and asset seizure.
Since 1990, college tuition costs have skyrocketed by 213% at public institutions and 129% at private universities. This unsustainable growth has created a generation burdened with $1.77 trillion in student debt. Traditional repayment plans often trap borrowers in decades-long cycles of minimum payments that barely cover interest accrual.
Our data-driven approach identifies loopholes in loan servicing agreements and leverages statutory consumer protections to create escape hatches from this cycle. We've successfully discharged over $100 million in student debt during the pandemic alone, using legal strategies unavailable to individual borrowers.
| State | Average Debt |
|---|---|
| Maryland.. | $42,350.91 |
| Washington, D.C. | $54,708 |
| Georgia. | $40,268.87 |
| Virginia. | $38,251.37 |
| Florida. | $$37,709.72 |