Private Student Loan Evaluation Form

Complete Your Free Online Evaluation Below

Please do not fill out this form if you have a federal student loan.

I work with private student loan borrowers and cosigners exclusively (including refinanced federal loans that have become private).

For federal loan help, I’ve partnered with LoanSense – click this link to receive a free federal loan evaluation from them. I do not provide federal loan evaluations.

Name *

First

Last

Phone *

Email *

Best Days And Times To Contact You

What Is The Total Amount Of Your Private Student Loans? *

An approximate number is fine if you don't know the exact amount.

What State Do You Currently Reside In?

What Is The Name Of Your Private Student Loan Lender? *

If you have multiple private loan lenders, please list the name of each. If you are behind on payments, please list the name of any collection agencies on the account (if applicable). Your lender may be different than your loan servicer (for example, most National Collegiate Trust private loans are serviced by AES until they default).

Are You Current, Late, Or In Default? *

Current
Behind but not in default
Default

Lenders will only settle when loans are in default or seriously behind. If you're current and considering a "strategic default", first check out my article about the pros and cons of that strategy here: https://www.mycreditcounselor.net/should-i-strategically-default-to-settle-private-student-loans/

When Was The Last Time A Payment Was Made On Your Loan(s)?

If you aren't sure, an approximate date is fine.

Do You Have Cosigner(S) On Your Private Loan(S)? *

If You're Interested In Settlement, Will You Be Funding Your Settlement With A Lump Sum Payment Or Would You Like To Try For A Structured Settlement Paid To The Lender In Installments Over Time? *

Lump sum settlement - I will have 30-50% of the full balance to pay the full settlement amount at the time the settlement is negotiated.
Structured settlement - I can pay 40-60% of the total balance over a 2 year term with one third of the settlement as a down payment and the rest divided into monthly instalments.
I do not have any funds for settlement - I am interested in refinance for current or defaulted private student loans

Notes, Questions, Or Anything Else I Should Know About Your Private Student Loans