year in consolidating their loans.
SLRG Program Information
Thank you for contacting Student Loan Relief Group, LLC. Based on the information you have provided to our company, we believe that you may qualify for one or more student loan assistance programs offered by the U.S. Department of Education. Student Loan Relief Group, LLC is a privately owned company that helps consumers like you identify programs that may be suitable to your situation, gather the relevant application documents, and then prepare those documents for your review and submission.
To begin, please carefully read the enclosed Agreement and all of its attachments, and make sure that all pages are signed and dated where indicated. Be sure to retain a copy of all documents for your records.
If you have any questions when reviewing the attached documents, please feel free to contact our client care department at (888) 757-8595. If necessary, we will direct you back to the representative that you first spoke with when completing these documents.
We are certain that you will find our services helpful in achieving your student loan resolution needs
Document Preparation and Service Agreement
Performance of Services. Upon receipt of all information from Client, Company shall promptly analyze Client’s situation, review the information provided the Client, and complete the application forms required for the DOE program(s) that have been selected by the Client. Company shall prepare for filing an application to initiate a Federal Student Loan Consolidation through the DOE on behalf of Client, or alternatively and at the Client’s option, identify and provide applications for other DOE-sponsored programs suitable for Client. Company will monitor application progress and provide reasonable updates to Client. Completed applications shall be provided to Client for approval and direct submission to DOE.
Fees that Client Pays. The payment for Company’s services relating to the student loan assistance applications, their preparation, and tracking are described in the attached Fee Schedule. Client should review the attached Fee Schedule carefully as it is an integral part of this Agreement and sets forth one or more fees that the Client will be charged depending on the services that are performed. The fees shall be debited from Client’s bank account or charged on Client’s credit card pursuant to the attached authorization. Client shall be responsible for any third party support or service fees, such as bank processing or third party account fees. At Client’s option, an independent dedicated account provider may be used to debit/charge fees, holding them securely under Client’s ownership until fees become due. Client may select such optional provider and is responsible for all costs associated with such. A sample dedicated account provider is attached to this Agreement for Client’s review.
100% Money Back Guarantee. Company guarantees that Client will receive accurately prepared application sufficient for consolidation or acceptance into another DOE-offered program for student loan debt, or a repayment plan using current lenders, through the DOE subject to the following conditions: (1) student loans that Client presents to Company are original debts, and have not been previously consolidated or had their terms or amounts previously adjusted; (2) Client fully cooperates, is honest and timely in providing all information requested by Company and DOE; and/or (3) Client does not possess a characteristic that pursuant to DOE rules or applicable law that would disqualify Client from receiving a consolidation. If a Client is not approved through the DOE after reasonable efforts by the parties, then Company will reimburse the Fee paid to Company (limited to funds received by Company from Client per Section 3, above). All refund requests must be made, in writing, to Company within 30 days of any denial by the DOE. This guarantee expires six months after the date this Agreement is signed by the Client.
Fee and Service Schedule
The purpose of this fee schedule is to ensure that Client is aware and consents to the fees that Student Loan Relief Group, LLC will charge for its services in assisting Client in applying for one or more of the below programs. If other programs are identified by Client or Company to be suitable for Client, then additional fees may apply and will be presented to Client in writing for approval. Fees are charged consistent with terms of Client Agreement. Fees herein are only the Company’s fees and do not include any third party fees such as bank or dedicated account processing fees.
Fee and Service Schedule for Document Preparation
For All Services Listed Below Total Amount Due Shall Be Divided Into Two, Three or Four Payments According to Debit/Charge Schedule.
First payment shall be earned and due to Company upon completion and submission of completed application to DOE or servicer, and remaining portion of fees shall be due and payable once applications have been approved by DOE.
What personal information do we collect from the people that visit our blog, website or app?
When ordering or registering on our site, as appropriate, you may be asked to enter your Name, Email address, Mailing address, Phone number, Credit card information, Student loan debt information, Income information, or other details to help you with your experience.
When do we collect information?
We collect information from you when you place an order, subscribe to a newsletter, respond to a survey, fill out a form or enter information on our site.
How do we use your information?
We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways:
- To personalize user’s experience and to allow us to deliver the type of content and product offerings in which you are most interested.
- To improve our website in order to better serve you.
- To allow us to better service you in responding to your customer service requests.
- To administer a contest, promotion, survey or other site feature.
- To quickly process your transactions.
- To send periodic emails regarding your order or other products and services.
How do we protect visitor information?
We do not use vulnerability scanning and/or scanning to PCI standards. Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology.
We implement a variety of security measures when a user places an order. For your convenience we may store your credit card information kept for more than 60 days in order
Do we use ‘cookies’?
- Understand and save user’s preferences for future visits.
- Keep track of advertisements.
- Compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future. We may also use trusted third party services that track this information on our behalf.
You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser (like Internet Explorer) settings. Each browser is a little different, so look at your browser’s Help menu to learn the correct way to modify your cookies. If you disable cookies off, some features will be disabled It won’t affect the users experience that make your site experience more efficient and some of our services will not function properly. However, you can still place orders.
Third Party Disclosure
Do we disclose the information we collect to Third Parties?
Yes, you should be advised that we sell, trade, or otherwise transfer to outside parties your name, address,city,town, any form or online contact identifier email, name of chat account etc., phone number, SSN, and student loan balances. We share your information to other companies who provide us with services to help promote our content via email and text alerts, as well as with reputable companies who may be able to offer you assistance with your debt.
Third party links
Google’s advertising requirements can be summed up by Google’s Advertising Principles. They are put in place to provide a positive experience for users. https://support.google.com/adwordspolicy/answer/1316548?hl=en. We have enabled Google Adsense on our site. For more information on how google uses your information visit their privacy & terms.
California Online Privacy Protection Act
According to CalOPPA we agree to the following:
Users can visit our site anonymously
Users are able to change their personal information:
- By emailing us
- By calling us
How does our site handle do not track signals?
We honor do not track signals and do not track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.
Does our site allow third party behavioral tracking?
It’s also important to note that we allow third party behavioral tracking
COPPA (Children Online Privacy Protection Act)
When it comes to the collection of personal information from children under 13, the Childrens Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, the national consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect childrens privacy and safety online.
We do not specifically market to children under 13.
Fair Information Practices
The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.
In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:
We will notify the users via email
- Within 7 business days
We also agree to the individual redress principle, which requires that individuals have a right to pursue legally enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or a government agency to investigate and/or prosecute non-compliance by data processors.
CAN SPAM Act
The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.
We collect your email address in order to:
- Send information, respond to inquiries, and/or other requests or questions.
- Process orders and to send information and updates pertaining to orders
- We may also send you additional information related to your product and/or service.
- Market to our mailing list or continue to send emails to our clients after the original transaction has occurred
To be accordance with CANSPAM we agree to the following:
- NOT use false, or misleading subjects or email addresses
- Identify the message as an advertisement in some reasonable way
- Include the physical address of our business or site headquarters
- Monitor third party email marketing services for compliance, if one is used.
- Honor opt-out/unsubscribe requests quickly
- Allow users to unsubscribe by using the link at the bottom of each email
If at any time you would like to unsubscribe from receiving future emails, you can
- Follow the instructions at the bottom of each email.
(Our address and contact info here)
Our technology services, LeadTrac™, ServiceTrac™ and FlexNote® focus on lead, data and payment management along with client communication. Collectively businesses and law firms achieve greater efficiency, improved operations and higher client retention.
Since 2006, National Data Systems has been developing; licensing and supporting web-based software systems that help companies efficiently manage leads, clients, documents, electronic files, appointments, notes, activity logs, reports, business processes and more. National Data Systems cloud-based CRM (LeadTrac™) financial transaction management (ServiceTrac™) and messaging software (FlexNote®) solutions offer significant flexibility, enabling organizations to have a tailored system to meet the needs of various departments and roles.
Our Information Technology Infrastructure is hosted in a top tier Technology Data Center that is designed to protect from unauthorized human access, in a reinforced environment, built to withstand extreme events caused by weather, malicious activity or other unforeseen incidents that could normally affect other buildings that are not designed as data centers.
National Data Systems web applications are connected via massive redundant networks allowing our customers to access to our systems and their data, quickly and conveniently via the internet.
How It Works
Step 1 – Call for a free consultation
The Department of Education and Federal Government have multiple programs to assist borrowers with their federal student loans. In a 5-10 minute phone call, you will be educated about the programs and what if any benefits you may qualify for. You can then determine whats best for you, and if you would like to sign up for any of these programs. Assistance with this process is provided by a private organization for a fee.
Step 2 – Getting the process started
If you have determined that you would like to sign up and apply for any of the government assistance programs, then the processing of information gathering would be started. Typically most of the required information can be obtained in the initial phone call. If any information is still needed after the initial phone call, your account representative would let you know.
Step 3 – Getting your documents prepared
Once all required information is collected, then its time to start working on your file. When this is completed, your documents would be mailed to your home address with USPS tracking information. The documents typically will take roughly between 2-3 weeks to arrive at your doorstep. The reason for this is three fold:
- You are provided with a right to cancel period. We have to wait for this to expire before starting your file.
- Another 2 days are required to prepare the paperwork.
- 3-5 days for shipping.
Step 4 – Review, sign and submit your documents
Once you have received all your documents, we strongly suggest that you read everything that has been sent to you. If the terms of your new loan are acceptable to you, then you would simply sign and submit the documents to the lender for consolidation or loan forgiveness.
Step 5 – Follow up with new lender
After 3 weeks from submission, you will want to contact your new lender to make sure they have received the documents you sent. This is just in case the documents are lost in the mail. Once they have confirmed receipt, then you just need to sit back and wait! The consolidation process typically takes 30-60 days from when the lender receives your documentation.
Wait for your confirmation letter
Now you simply wait for the new lender to do their job. This will take 30-60 days. Once the consolidation is completed, you will receive a letter from your lender indicating your new loan balance and monthly payment amount.
What is a Student Loan Consolidation
A consolidation is the process of uniting all of your student loans into one new loan. Consolidation programs exist for both federal student loans as well as for private student loans. For many people, consolidation will ease the burden of having multiple lenders, with various loan balances, interest rates, monthly payments, terms etc. By consolidating, the borrower would have only one loan, with one monthly payment, interest rate, and term. This makes the loan more manageable, and reduced the risk of accidental default on the student loan.
Generally speaking, federal loans have far greater benefits to them than private loans, and should be look at prior to considering private consolidations. Federal consolidation are also much easier to qualify for, do not require a credit check, and is available to borrowers in default on their loans. This is not to say that a borrower should not consider a private consolidation, as this can still benefit the borrower greatly as well.
Federal Student Loan Consolidation exists for borrowers who applied and have federal student loans, and are no longer attending school. This program has many benefits, and can be taken advantage of by most borrowers of federal loans. For more information on federal student loan consolidations, please follow this link.
In certain situations, you can have your federal student loan forgiven, canceled, or discharged. Find out whether you qualify due to your job, disability, the closure of your school, or other circumstances. Forgiveness, cancellation, and discharge of your loan means that you are no longer expected to repay your loan.
You must repay your loans even if you don’t complete your education, can’t find a job related to your program of study, or are unhappy with the education you paid for with your loan. However, certain circumstances might lead to your loans being forgiven, canceled, or discharged.
The list below is a quick view of the types of forgiveness, cancellation, and discharge.
- Type of Forgiveness, Cancellation, or Discharge
- Direct Loans
- Federal Family Education Loan (FFEL) Program Loans
- Perkins Loans
- Total and Permanent Disability Discharge
- Death Discharge
- Discharge in Bankruptcy (in rare cases)
- Closed School Discharge
- False Certification of Student Eligibility or Unauthorized Payment Discharge
- Unpaid Refund Discharge
- Teacher Loan Forgiveness
- Public Service Loan Forgiveness
- Perkins Loan Cancellation and Discharge (includes Teacher Cancellation)
Total and Permanent Disability (TPD) Discharge
A TPD discharge relieves you from having to repay a William D. Ford Federal Direct Loan (Direct Loan) Program loan, Federal Family Education Loan (FFEL) Program loan, and/or Federal Perkins Loan (Perkins Loan) Program loan or complete a TEACH Grant service obligation on the basis of your total and permanent disability. Before your federal student loans or TEACH Grant service obligation can be discharged, you must provide information to the U.S. Department of Education (ED) to show that you are totally and permanently disabled. ED will evaluate the information and determine if you qualify for a TPD discharge.
You can show that you are totally and permanently disabled in one of the following three ways:
- If you are a veteran, you can submit documentation from the U.S. Department of Veterans Affairs (VA) showing that the VA has determined that you are unemployable due to a service-connected disability.
- If you are receiving Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) benefits, you can submit a Social Security Administration (SSA) notice of award for SSDI or SSI ben
Know exactly how much you can save on your Federal student loans in just a few minutes.
There are several Federal Forgiveness, Discharge, and repayment plan options available to all Federal borrowers.
A knowledgeable staff of dedicated professionals will always be available to assist you.
What is Pay As You Earn?
Pay As You Earn is a repayment plan for eligible Federal Borrowers that is designed to limit your required monthly payment to an amount that is affordable based on your income and family size.
What federal student loans are eligible to be repaid under the Pay As You Earn plan?
Only loans made under the Department of Education’s Loan Programs are eligible for repayment under Pay As You Earn. Eligible loans are Direct Subsidized Loans, Direct Unsubsidized Loans, Direct PLUS Loans made to graduate or professional students, and Direct Consolidation Loans that did not repay any PLUS loans that were made to parent borrowers. Loans that are currently in default, Direct PLUS Loans made to parents, Direct Consolidation Loans that repaid PLUS loans made to parents, and Federal Family Education Loan (FFEL) Program loans are NOT eligible for repayment under Pay As You Earn.
Who is eligible for Pay As You Earn?
You must be a new borrower. You are a new borrower if you had no outstanding balance on a Direct Loan or FFEL Program loan as of Oct. 1, 2007, or if you had no outstanding balance on a Direct Loan or FFEL Program loan when you received a new Direct Loan or FFEL Program loan on or after Oct. 1, 2007. In addition, you must have received a disbursement of a Direct Subsidized Loan, Direct Unsubsidized Loan, or Direct PLUS Loan for graduate or professional students on or after Oct. 1, 2011, or you must have received a Direct Consolidation Loan based on an application that was received on or after Oct. 1, 2011.
While your third party loan servicer will certainly put your loans into forbearance or deferment which will have you paying a substantial amount of interest on your loans, you can trust the knowledgeable Sr. Student Loan Specialist at StudentLoanProcessing.US will accurately assess whether you would qualify for the Pay As You Earn plan through a completely free consultation. Your Sr. Student Loan Specialist will look at your income, family size, and state of residence to calculate your Pay As You Earn monthly payment amount. If that amount is lower than the monthly payment you would be required to pay on your eligible loans under a 10-year Standard Repayment Plan, then you are eligible to repay your loans under the Pay As You Earn plan.
If you are married and you and your spouse ﬁle a joint federal tax return, and if your spouse also has eligible federal student loans, your spouse’s eligible loan debt is taken into account when determining whether you are eligible for Pay As You Earn. In this case, the required monthly payment amount under a 10-year Standard Repayment Plan is determined based on the combined amount of your and your spouse’s eligible loans. If the combined monthly amount you and your spouse would be required to pay under Pay As You Earn is lower than the combined monthly amount you and your spouse would pay under a 10-year Standard Repayment Plan, you and your spouse are eligible for Pay As You Earn.
Although only Department of Education Loans may be repaid under Pay As You Earn, your (and, if you are married and file a joint federal tax return, your spouse’s) eligible FFEL Program loans will also be taken into account when determining whether you qualify for Pay As You Earn based on the amount of your federal student loan debt relative to your income. For this purpose, eligible FFEL Program loans are Subsidized and Unsubsidized Federal Stafford Loans, FFEL PLUS Loans for graduate or professional students, and FFEL Consolidation Loans that did not repay any PLUS loans for parents. FFEL Program loans that are currently in default, FFEL PLUS Loans for parents, and FFEL Consolidation Loans that repaid PLUS loans for parents are not counted as eligible loan debt.
What are the beneﬁts of Pay As You Earn?
- LOWER SCHEDULED MONTHLY PAYMENT: Under Pay As You Earn, your monthly payment amount will be less than the amount you would be required to pay under a 10-year Standard Repayment Plan, and may be less than under other repayment plans.
- INTEREST PAYMENT BENEFIT: If your monthly Pay As You Earn payment amount does not cover the full amount of interest that accrues on your loans each month, the government will pay your unpaid accrued interest on your Direct Subsidized Loans (and on the subsidized portion of your Direct Consolidation Loans) for up to three consecutive years from the date you begin repaying your loans under Pay As You Earn.
- 20-YEAR CANCELLATION: If you repay under the Pay As You Earn plan, any remaining balance will be forgiven after 20 years of qualifying repayment.
- 10-YEAR PUBLIC SERVICE LOAN FORGIVENESS: On-time, full monthly payments you make under Pay As You Earn (or certain other repayment plans) while employed full-time in a public service job will count toward the 120 monthly payments that are required to receive loan forgiveness through the Public Service Loan Forgiveness (PSLF) Program. Through this program, you may be eligible to have the remaining balance of your Direct Loans forgiven after you have made the 120 qualifying payments as described above. PSLF is available only for Direct Loans, but you may be eligible to consolidate FFEL Program loans into the Direct Loan Program to take advantage of PSLF.
How is the Pay As You Earn amount determined?
Under Pay As You Earn, the amount you are required to repay each month is based on your adjusted gross income (AGI) and family size. If you are married and ﬁle a joint federal tax return with your spouse, your AGI includes both your income and your spouse’s income. The annual Pay As You Earn repayment amount is 10 percent of the difference between your AGI and 150 percent of the Department of Health and Human Services Poverty Guideline for your family size and state. This amount is then divided by 12 to get the monthly Pay As You Earn repayment amount.
The following chart shows the maximum Pay As You Earn monthly payment amounts for a sample range of incomes and family sizes using the Poverty Guidelines that were in effect as of Jan. 26, 2012, for the 48 contiguous states and the District of Columbia.
The above chart shows the maximum Pay As You Earn monthly payment amounts for a sample range of incomes and family sizes using the Poverty Guidelines that were in effect as of Jan. 26, 2012, for the 48 contiguous states and the District of Columbia. All payments above include a $39 Monthly Maintenance Fee.
How should borrowers apply for Pay As You Earn?
This fact sheet provides only a summary of the basic requirements of the Pay As You Earn Repayment Plan. For more information and to apply for Pay As You Earn, contact StudentLoanProcessing.US for a FREE consultation.
Pay As You Earn
You may cancel this transaction, without any penalty or obligation, within seven (7) business days from the above date.
You are entitled to cancel the agreement or offer referred to above at any time prior to midnight of the third day, excluding Sundays and holidays, after the day you signed the agreement or offer.
If you cancel, any payments made by you or authorized by you, pursuant to any telephonic solicitation and purchase agreement shall be returned to you within ten (10) business days following receipt by the seller of your cancellation notice.
To cancel this transaction, mail or deliver a signed and dated copy of this cancellation notice, or any other written notice, or send a telegram to Student Loan Relief Group, LLC 2530 Red Hill Ave, Suite 250, Santa Ana, Ca, 92705.
NO LATER THAN MIDNIGHT OF THE SEVENTH (7TH) BUSINESS DAY AFTER THE DATE OF THIS TRANSACTION.