• Private student loan consulting

    Understand your options on your private student loans

    Private Student Loan Aid is an independent consulting organization focused on educational guidance for borrowers with private student loans. We help consumers understand their loan information, general options and questions they may wish to discuss with their lender, servicer or a qualified professional.

    • Initial consultation — clear scope and no obligation
    • Request a consultation in a few minutes
    • Fees and service terms disclosed before you proceed
    Service availability disclosed Direct consultant Direct consulting support
    CONSULTATION
    Consultation request

    Request a consultation

    Tell us about your private student loan questions. A consultant will contact you to discuss the scope of our educational consulting services.

    Important: We only assist with private student loans, NOT federal loans.
    Step 1 of 3 Loan type
    Secure Clear service terms Simple request

    Private Student Loan Aid is an independent consulting organization focused on educational guidance about private student loans. We are not a law firm, lender, loan servicer, debt collector, credit repair organization, or government agency. We do not provide legal, tax, or financial advice and do not guarantee any particular loan or financial outcome.

    <24h
    Consulting support
    48
    Service availability
    $0
    Service terms
    1on1
    Direct consultant
    What you get

    Understand the consulting service before you decide

    Before you decide whether to use our consulting service, we explain its scope, limitations and applicable terms so you can make an informed decision.

    Reviewing documents
    ClearTerms
    Clear service terms
    Clear scope before you proceed
    Service scope · Fees disclosed before agreement
    Consultation
    1:1Consulting
    Consultation request
    Start with your questions
    No paperwork · Consulting support under 24h
    Meeting
    18–60Typical program
    Program timeline
    A defined process
    Direct consultant from start to finish
    Understand your options Free consultation check Zero upfront fees
    Our services

    Guidance, tailored to your situation

    Three consulting services designed to help former college students understand what applies to their private student loans. Our advisors explain your options for your specific loan balance and servicer — at no upfront cost.

    Most requested

    Debt Validation Consulting

    Loan information review is a right borrowers hold under the Fair Debt Collection Practices Act: the ability to require that a debt be substantiated. We explain how the process works and connect you with specialists.

    • Free debt validation consultation assessment
    • Explanation of your rights under the FDCPA
    • Connection with qualified specialists
    Learn more

    Options & Consultation Counseling

    Private student loans are not eligible for federal forgiveness programs. Our advisors review your loan type, servicer and balance, and explain which private-loan options realistically apply to you.

    • Free consultation review, no commitment
    • Clear explanation of what does and does not apply
    • Introduction to a vetted provider
    Learn more

    Consolidation Consulting

    Consolidation combines multiple private loans into a single loan with one payment. We explain how the process works, what lenders typically look for, and what cosigner release involves.

    • How lenders differ on APR, terms and consultation
    • Free review of your current loan structure
    • Cosigner removal guidance
    Learn more
    How it works

    From consultation to a clear plan in 4 steps

    Our process is simple and transparent. Most clients complete the consultation form in under Simple request and hear back from a specialist within 24 hours. Nothing moves forward until you review and approve it.

    01.

    Free consultation

    Tell us about your private student loans: your balance, servicer, and situation. We assess at no cost and with zero obligation.

    Under 5 min · Free
    02.

    Personalized plan

    Your dedicated advisor outlines a debt validation approach based on your specific loans, with expected costs and timeline. You review and approve before anything moves forward.

    Within 24 hours
    03.

    Enroll & activate

    Once enrolled, your plan is activated with our vetted third party, who performs the FDCPA-compliant debt validation work directly with you.

    First 90 days
    04.

    Program timeline

    Programs typically run 18 to 60 months depending on your balance and servicer. Individual outcomes depend on your circumstances and are not guaranteed.

    18 – 60 months
    Start the free assessment
    Clear service terms Zero obligation Direct consulting support
    FAQ

    Questions, answered

    Everything borrowers ask before applying. Don't see yours? Start the free assessment and a specialist will walk you through it.

    Is there real relief available for private student loan payments in the U.S.?
    Options exist, but they differ from federal loans. Private student loans are not covered by government forgiveness or income-driven repayment programs. What borrowers do have are rights under federal consumer law — including debt validation under the Fair Debt Collection Practices Act — plus hardship programs offered at each lender's discretion. Private Student Loan Aid operates across 48 U.S. states. What applies to you depends on your loan balance, servicer, and financial situation.
    What options exist for private student loans?
    Unlike federal loans, private loans are not eligible for government forgiveness or income-driven repayment. The avenues that do exist are debt validation under the Fair Debt Collection Practices Act, hardship or modification programs offered at the lender's discretion, and consolidation with a new lender. Which of these is realistic depends entirely on your servicer, your loan documentation and your financial situation. No outcome can be promised in advance.
    How does Private Student Loan Aid work?
    Private Student Loan Aid is a consulting organization that guides former students and their cosigners through relief options for their private student loans. The process has three steps: a free consultation consultation, creation of a personalized action plan based on debt validation, and introduction to a vetted third party who performs the work and discloses their fees directly to you. Programs typically run 18 to 60 months. No fees are charged before you enroll.
    What is debt validation for private student loans?
    Loan information review is a process in which borrowers request that their lender prove the accuracy and validity of their private student loan debt. This process is recognized under the Fair Debt Collection Practices Act. If a servicer cannot substantiate the debt, that may open avenues the borrower would not otherwise have. Whether it does depends on the specific documentation in each case, and no particular result is guaranteed.
    Who is the third party you work with?
    Private Student Loan Aid is a independent consulting organization. The actual debt validation work is performed by an independent third party that performs this work under its own business credentials. For commercial reasons we don't publish the partner's name on our marketing site, but every matched client is introduced to them by name and signs the agreement directly with them.
    We help you on every step

    Start with a free consultation today

    Join clients Private Student Loan Aid provider(s) have advised on their private student loan relief options. The consultation is free, takes Simple request, and comes with zero obligation or upfront fees.

    Request consultation — it's free How it works
    Free consultation Clear service terms 5-minute consultation request Direct consulting support
    Important disclosures
    What we are Private Student Loan Aid is a independent consulting organization. We are not a law firm, a lender, a debt collector, or a credit repair organization, and we do not provide legal or tax advice. We are not affiliated with, endorsed by, or acting on behalf of any government agency or program.
    Fees The consultation and consultation review are free. No fee is charged before enrollment. If you choose to enroll, the independent third party that performs the work discloses its full fee schedule to you in writing, and you contract directly with that provider.
    Results are not guaranteed We make no promise that any specific reduction, settlement, or outcome will be achieved. Results depend on your loan documentation, your servicer, your financial situation, and applicable law. Programs typically run 18 to 60 months. Not all applicants qualify.
    Potential consequences Enrolling in a debt program may affect your credit standing. Withholding payments to a lender or servicer can result in late fees, added interest, negative credit reporting, collection activity, or legal action by the creditor. Consider these risks and consult a licensed professional before deciding.
    Private loans only We assist with private student loans exclusively. We do not assist with federal student loans. Federal borrowers can access free programs — including consolidation, income-driven repayment, and forgiveness — directly through the U.S. Department of Education at studentaid.gov at no cost.
    Availability Services are available in 48 U.S. states. We do not operate in South Carolina or Mississippi.

    Loan information review refers to a consumer right under the Fair Debt Collection Practices Act (15 U.S.C. § 1692g); exercising it does not by itself eliminate or reduce a valid debt. Customer experiences vary and do not predict future outcomes.

    Important disclosures
    Independent consulting Private Student Loan Aid provides educational consulting about private student loans directly. We do not present ourselves as a lender, servicer, law firm, debt collector, credit repair organization, or government agency.
    No government affiliation Private Student Loan Aid is not affiliated with, endorsed by, or acting on behalf of the U.S. Department of Education or any other government agency or program.
    No guaranteed outcomes We do not guarantee modification, settlement, forgiveness, debt reduction, lower payments, savings, approval, or any other specific financial result. Individual circumstances vary.
    Information on this website is provided for general educational purposes and does not constitute legal, tax, or financial advice. Any paid consulting service, its scope, applicable fees, and relevant terms are disclosed before a customer agrees to proceed. Private Student Loan Aid does not instruct borrowers to stop making required loan payments.
    Private Student Loan Aid is an independent consulting organization that provides educational guidance to consumers seeking to better understand their private student loan options. We are not a law firm, lender, debt collector, credit repair organization, or government agency, and we do not provide legal, tax, or financial advice. We are not affiliated with, endorsed by, or acting on behalf of the U.S. Department of Education or any other federal, state, or local government agency. Our services are informational and consultative in nature and do not include loan issuance, loan forgiveness, debt collection, or government benefit enrollment. Individual circumstances vary, and we do not guarantee loan approval, payment reductions, debt cancellation, settlement, forgiveness, savings, or any other specific outcome. Service availability may vary by state. Please review our Terms of Service and Privacy Policy.

    An independent consulting organization helping consumers understand their private student loan options through educational guidance and personalized support. Service availability varies by state.

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