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  • Federal student loans are funded by the federal government
  • You will not have to start repaying your federal student loans until you graduate, leave school, or change your enrollment status to less than half-time.
  • You don’t need to get a credit check for most federal student loans (except for PLUS loans). Federal student loans can help you establish a good credit record.
  • Interest may be tax deductible.
  • You may be eligible to have some portion of your loans forgiven if you work in public service. Learn about our loan forgiveness programs.

There are 2 fundamental types of student loans. Federal student loans and private student loans. Here are some of the major differences between the two.


  • Private student loans are funded by banks, credit unions and other privately held institutions and not by the federal government.
  • Some private student loans may require payments while you are still in school.
  • Private student loans are not subsidized. No one pays the interest on your loan but you.
  • Private student loans may require an established credit record. The cost of a private student loan will depend on your credit score and other factors
  • Private student loans may not offer forbearance or deferment options.
  • The Consumer Financial Protection Bureau's private student loan ombudsman may be able to assist you if you have concerns about your private student loan.

Private Student Loans

Refinancing Your Private Student Loan:


If you are not facing a hardship or struggling with your private student loans or just concerned with maintaining your positive credit and simply want to refinance or consolidate your student loans to lower your payment click here:






STUDENT LOANS

Federal Student Loans

Disclaimer:



​Debt settlement, debt negotiation, debt resolution or balance reduction programs (the “Program”) are not an offer or promise to lend money and neither they nor Debt Negotiators, LLC. (“DEBT NEGOTIATORS”) assume or pay any consumer debt or make monthly payments. DEBT NEGOTIATORS is not affiliated with any lending institution, bank, collection agency or collection law firm. Debt negotiation only applies to debts enrolled in the Program (the “Program Debt”) with DEBT NEGOTIATORS. Whereas DEBT NEGOTIATORS shall work aggressively to negotiate the Program Debt, not all debts can be negotiated and not all creditors negotiate. Individual Program results may vary and are based on but not limited to the ability of clients to save funds and successfully complete their Program terms and conditions, the amount and type of debts and creditors, history of accounts and financial standing of clients. Any specific or general reference to “debt free”, “savings”, “eliminate” or “reduce” debts only refers to clients that have successfully enrolled and completed their Program resulting in all Program Debt being settled for less than the original balance enrolled. Any figures given or statements made are examples of past performances and are not intended to guarantee future results and DEBT NEGOTIATORS does not guarantee that debts successfully enrolled in the Program will be settled, lowered by a specific amount or percentage, settled in a specific time period or that clients will be “debt free” in a specific time period. All Program terms and conditions are subject to change without notice and not all applicants are approved. The Program is not available in all states and other restrictions apply. Please read and understand all Program terms and conditions prior to enrollment. DEBT NEGOTIATORS is not a law firm and does not provide any legal, bankruptcy, tax or accounting advice or credit repair services and anyone considering bankruptcy should consult a bankruptcy attorney. Please contact a tax professional to discuss potential tax consequences of the Program (settling debt). The Program may negatively impact a client’s credit. Neither DEBT NEGOTIATORS, the Program nor this offer have been approved, endorsed or made by any government agency and DEBT NEGOTIATORS is not an agency of any government nor should this offer be construed as such. DEBT NEGOTIATORS is not liable for or guarantee the accuracy of the record from which recipient was selected. DEBT NEGOTIATORS also serves as a marketing company and may refer you to an alternate debt relief company or law firm for debt related services.  



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