Private Student Loan Negotiation Rates

Performance Based Negotiation:

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. 

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 $10,000
total debt enrolled


33% of amount saved

$10,000 to $50,000
total debt enrolled


20% of amount saved

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


15% of amount saved

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


12.5% of amount saved

More than $150,000
total debt owed


10% of amount saved

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