The legally binding terms that govern your access to and use of the Private Student Loan Aid website, forms and consulting services.
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These Online Terms of Service (the “Terms”) constitute a legally binding agreement between you (“you,” “your,” or “Client,” as applicable) and Private Student Loan Aid (“PSLA,” “Company,” “we,” “us,” or “our”), with respect to your access to and use of the website privatestudentloanaid.com, any related sub-domains, landing pages, online forms, mobile interfaces, and any consulting or related services we offer through those properties (collectively, the “Services”).
By accessing the Services, submitting information through any of our forms (including privatestudentloanaid.com/apply/), communicating with us, or engaging us, you represent that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Services.
PSLA is a consulting and matching organization that educates and assists former college students and their cosigners regarding options for private (non-federal) student-loan debt, including consumer-driven debt-validation strategies under the Fair Debt Collection Practices Act (15 U.S.C. § 1692 et seq.), eligibility counseling, and consolidation counseling. PSLA currently serves clients in forty-eight (48) U.S. states.
You acknowledge and agree that:
To use the Services or to become a Client, you must: (a) be at least eighteen (18) years of age and competent to enter into a binding contract; (b) be a U.S. resident with a primary residence in one of the forty-eight (48) U.S. states we currently serve; and (c) not be a resident of South Carolina or Mississippi, where the Services are not offered. We reserve the right to verify eligibility and to decline or terminate Services if any eligibility requirement is not met. You represent and warrant that you satisfy these eligibility requirements.
The Services include, depending on the Engagement Agreement applicable to you, some or all of the following:
The Services do not include the assumption or settlement of debt, the direct negotiation with creditors, the disbursement of client funds to creditors, or the provision of legal, tax, accounting, or financial advice.
PSLA makes no representation, warranty, or guarantee that any particular reduction, modification, validation, or other outcome will be achieved with respect to your private student-loan debt. Results depend on your loan documentation, your servicer, your creditor’s policies and practices, applicable law, court and arbitration procedures, and your own circumstances and cooperation, none of which is under PSLA’s control. Any references on the Sites or in communications to programs, timelines (typically 18 to 60 months), typical ranges, examples, illustrations, or client testimonials describe past experiences of specific individuals and do not predict or promise your outcome. Not all applicants qualify.
Where applicable, the operational and substantive components of your engagement are performed by an independent Provider Partner. The Provider Partner is not an employee, agent, subsidiary, or affiliate of PSLA. The Provider Partner operates under its own credentials, policies, standards of professional conduct, and Engagement Agreement, and it is solely responsible for the services it performs. Any BBB accreditation, customer ratings, complaint counts, trade-association memberships, or years-in-business figures cited on our Sites in connection with the Provider Partner belong to the Provider Partner, not to PSLA. You will contract directly with the Provider Partner for those services, and its fees are set forth in a separate written agreement between you and the Provider Partner.
You authorize PSLA to share with the Provider Partner the personal information and documents reasonably necessary for the Provider Partner to perform its scope, consistent with our Privacy Policy and any consents you have provided. PSLA is not a successor to, agent of, or guarantor of the Provider Partner, and PSLA shall not be liable for the acts, omissions, errors, or independent professional conduct of the Provider Partner, except to the extent expressly required by applicable law.
Your consent to communications by telephone, SMS/MMS, and email, including the use of automatic telephone dialing systems, prerecorded or artificial-voice messages, and AI-generated voices, is governed by Section 7 of our Privacy Policy, which is incorporated by reference. You acknowledge and agree that certain inbound and outbound voice communications, particularly during overnight hours, may be handled by an AI voice agent and routed through our contact-center platform, as further described in our Privacy Policy. You agree that all calls, voicemails, SMS/MMS messages, web chats, and video calls between you and PSLA (or our authorized representatives, including any AI voice agent operating on our behalf) may be recorded, transcribed, monitored, and stored for quality assurance, training, dispute resolution, regulatory compliance, fraud prevention, and recordkeeping purposes, to the fullest extent permitted by applicable law (including, where applicable, the laws of all-party-consent jurisdictions). You may revoke marketing consent at any time as described in the Privacy Policy. Consent is not a condition of purchase or of obtaining the Services.
PSLA’s educational and consulting Services are not legal, tax, accounting, investment, or financial advice. The Services do not create an attorney-client, fiduciary, or advisory relationship. You should consult with a licensed attorney, certified public accountant, certified financial planner, or other qualified professional regarding the specific legal, tax, or financial implications of any course of action discussed during the engagement. Strategies discussed during the engagement may have collateral consequences, including potential effects on your credit, possible litigation initiated by creditors or debt collectors, possible adverse tax consequences (such as cancellation-of-indebtedness income reportable on IRS Form 1099-C), and other consequences. PSLA is not responsible for those consequences.
The Sites, the Services, and all content available through them — including text, graphics, photographs, illustrations, logos, marks, audio, video, software, code, layouts, “look and feel,” databases, and educational materials (the “PSLA Content”) — are owned by PSLA or its licensors and are protected by U.S. and international intellectual-property laws, including copyright, trademark, trade-dress, and trade-secret laws. Nothing on the Sites grants you any ownership of, or implied license to, those assets.
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the PSLA Content for your personal, non-commercial use in connection with the Services. You may not copy, reproduce, distribute, publish, display, perform, modify, create derivative works from, sell, lease, transmit, broadcast, frame, deep-link, scrape, or otherwise exploit the PSLA Content without our prior written consent. Private Student Loan Aid, the PSLA logo, and any related names and slogans are trademarks of PSLA or its affiliates; all third-party marks are the property of their respective owners.
Your User Content. You retain ownership of your User Content. You grant PSLA (and our Provider Partner and other service providers acting on our behalf) a worldwide, non-exclusive, royalty-free, sublicensable license to use, reproduce, store, transmit, modify, and display User Content for the purpose of providing, administering, securing, defending, and improving the Services and complying with law. You represent and warrant that you have all rights necessary to grant the foregoing license and that your User Content does not violate any law or third-party right.
Feedback. If you provide suggestions, ideas, or feedback regarding the Services, you grant PSLA a perpetual, irrevocable, royalty-free, worldwide license to use that feedback for any purpose, without obligation or compensation.
You agree not to: (a) use the Services for any unlawful, fraudulent, deceptive, or harmful purpose; (b) submit User Content that is false, misleading, defamatory, infringing, obscene, threatening, harassing, hateful, or that violates any law or third-party right; (c) attempt to gain unauthorized access to the Sites, accounts, or systems; (d) probe, scan, or test the vulnerability of the Sites or breach any security or authentication measure; (e) introduce any virus, worm, malware, ransomware, or other malicious code; (f) use any automated means (including bots, crawlers, scrapers, or harvesters) to access or extract data from the Sites without our prior written consent (except for legitimate search-engine indexing); (g) reverse-engineer, decompile, or attempt to derive the source code of any component of the Services; (h) impersonate PSLA or any of our employees, agents, or representatives, or create domains, social-media accounts, or communications that suggest a false affiliation with PSLA; (i) use the Services to make unsolicited commercial communications, conduct telemarketing in violation of the TCPA or TSR, or send spam; (j) submit account information or documentation that is not yours or for which you do not have proper authorization; or (k) interfere with the use or enjoyment of the Services by others.
The Sites may contain links to third-party websites, resources, or services (including studentaid.gov, government-agency pages, and educational resources). These links are provided for convenience and reference only. PSLA does not endorse, control, or assume responsibility for the content, policies, or practices of any third-party site or service, and access to those sites is at your own risk and subject to their terms.
PSLA treats the information you share with us in connection with the engagement as confidential in accordance with our Privacy Policy and applicable law, and shares it only with the Provider Partner and other authorized service providers who need it to perform the Services, as further described in the Privacy Policy. You agree, in turn, to keep confidential any non-public methodologies, strategies, playbooks, forms, or templates that PSLA or the Provider Partner shares with you in connection with the engagement.
If you have questions about these Terms, please contact us at:
