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Private Student Loan Negotiation Rates

Performance Based Negotiation with Post-Settlement Credit Repair:

I operate as a no-upfront fee, performance based negotiator. If there is no agreeable settlement, you don’t pay. That’s the way it should be; and is required to be by law. 

I also work with an extremely effective credit repair company to offer a first in the industry debt negotiation service, with post-settlement credit repair included. Depending on the size of the enrolled debt, we will cover your credit repair setup fee, and for larger balances, up to the first 2 monthly payments to the credit repair company. 

Prior to negotiations starting, clients deposit an estimated negotiation charge into a third party Escrow.com (a licensed and bonded escrow company with over $5 billion in transactions) account which they retain full control over. When the settlement is reached and executed, the charge is released from the clients’ Escrow.com account. 

Settlement savings are calculated based on the balance of your accounts at the time you become a client. These charges are adjusted at the time of settlement to reflect the exact amount saved based on this starting balance, and although my estimates are conservative and realistic, I always try to beat them.

If there is no agreeable settlement, then the full balance of the Escrow.com account is refunded to the client. I also pay all fees associated with Escrow.com except for the fees from your bank to transfer the funds into your Escrow.com account, or the Paypal/Credit Card funding option fee.

Negotiation Rates

Less than $25,000
total debt enrolled

Charge:

33% of amount saved

$25,000 to $50,000
total debt enrolled

Charge:

25% of amount saved

$50,000 to $100,000
total debt enrolled

Charge:

15% of amount saved

$100,000 to $150,000
total debt enrolled

Charge:

12.5% of amount saved

More than $150,000
total debt owed

Charge:

10% of amount saved

Included Credit Repair: Credit repair post-settlement can help your scores rebound even faster than by just using my Credit Building Guide. I’ve partnered with one of the best credit repair firms in the country, Credit Repair Resources, to help my clients get back on track after we settle their accounts and to have the best possible head start to improve their credit post-settlement.

I learned about Credit Repair Resources several years ago from a former client of mine, who was able to get his entire Navient tradeline deleted after I had settled it – including all previously reporting late payment history. When he reached back out to me, I was stunned to learn that his score was in the 800s. I subsequently hired “CRR” myself to try to remove some old paid medical bills, and they were able to get me multiple deletions. So I know firsthand that they are very effective – something that is very difficult to find in the credit repair industry.

I’ve talked with over a dozen credit repair firms over the years, and even hired a few (that were completely ineffective) before finding Credit Repair Resources. I do not offer credit repair myself, so once your settlement process is finished, we will refer you to Credit Repair Resources with the following included at no additional cost:

Here’s what’s included:

Credit Repair "Credits"

For clients with
$25k-$50k

Initial CRR Setup Fee (4+ Tradelines)

For clients with
$50k-$100k

Initial CRR Setup Fee (5+ Tradelines)

For clients with
$100k-$150k

Initial CRR Setup Fee (5+ Tradelines)
+
1st Monthly Payment

For clients with
$150k +

Initial CRR Setup Fee (5+ Tradelines)
+
1st and 2nd Monthly Payments

Clients with under $25k receive my complementary Credit Building Guide, but credit repair services are not included.

In many cases, deletions can happen after the first round of disputes, but other times it can take longer. One round of disputes is 30-45 days. Deletions are not guaranteed, and CRR evaluates every applicant on a case by case basis for free, prior to enrolling them in credit repair. 

If you wish to continue with Credit Repair Resources after the above payments are covered by me, you’re able to continue working with them on your own for as long as necessary. Most credit repair processes are complete within 2-6 months maximum. 

The credit repair “credits” listed above are included for the primary client – this can be the borrower or cosigner, but it is whichever party signs my Client Agreement. The other party can also work with Credit Repair Resources on their own if they choose. 

The primary client can also choose to transfer the credit repair “credits” to the other party.  

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