Your loans stay yours
We don’t take over your loans or collect payments.
Frequently asked questions
Straight answers before you decide.
Student loan rules can be complicated. Here’s how our service works, what it costs, and what we can and can’t promise.
Fees up front
We quote a flat fee in writing before you commit.
No guarantees
Program eligibility and outcomes are determined by the relevant agencies and lenders.
Everything borrowers ask us
Is your service legitimate?＋
SmartLoan Solutions provides consulting and administrative support to help borrowers navigate federal and private student loan systems. We do not take ownership of your loans, collect loan payments, or claim to represent the Department of Education or a loan servicer.
How much does your service cost?＋
We use transparent, flat-fee pricing. Your fee is quoted in writing before you commit, based on the work involved in your situation. The initial consultation is free, and there is no percentage-of-balance fee.
Can you guarantee loan forgiveness?＋
No. Loan forgiveness and discharge decisions are made by the relevant government program, loan servicer, or lender. We can help assess program requirements and prepare paperwork, but we cannot promise eligibility or an outcome.
What types of loans do you help with?＋
We provide guidance for federal and private student loans, including repayment planning, forgiveness-program navigation, consolidation evaluation, and private refinancing comparisons.
Can I handle federal loan programs myself for free?＋
Yes. Federal programs and applications are available directly through studentaid.gov and your loan servicer. We provide optional analysis, paperwork support, and ongoing guidance. If the DIY route appears right for you, we’ll tell you.
Will you need my FSA ID password?＋
No. We will never ask for your FSA ID username or password. Please don’t send tax returns, loan statements, or Social Security numbers through email or the website contact form. We’ll provide a secure portal for sensitive documents when appropriate.
How does the consultation work?＋
It’s a free, no-obligation conversation about your loans, income, and goals. We’ll explain what information would help us assess your options and, if you choose to continue, provide a written flat-fee quote before work begins.
Are you affiliated with the Department of Education?＋
No. SmartLoan Solutions is a private company and is not affiliated with, endorsed by, or contracted with the U.S. Department of Education or any federal or private student loan servicer.
Still have a question?
Ask us during a free, no-obligation consultation.
Contact SmartLoan Solutions