We have helped thousands of people, just like you, over the last six years to lower or completely eliminate their monthly student loan payments, and avoid the consequences of default. Our mission is to help you navigate through the complexity of the federal student loan modification and consolidation programs available within the Department of Education. There are a number of programs available that offer solutions to help you consolidate your loans. Some are based on income, family size, and even hardship situations! There are special programs available for police officers, firefighters, teacher, government workers, and those who work for non-profit organizations. We can help you lower your monthly payments and sometimes even stop them as your loan moves towards forgiveness.