Student Services

Student services is great! The customer service is amazing, my experience with student services has been great so far and I've had them take care of my loans since 2014! My situation looked very very bad, I fell into a default situation and was looking at a horrible situationStudent Services was able to pull me from default and now I'm in a income based repayment pal and I couldn't be any happier with the federal forgiveness program!! Thank you Student Services team!

To Whom It May Concern: Thank you in advance for allowing me to address Ms [redacted] (Client) complaintClient was accepted when she fully executed the Service Agreement on February 1st, Please review the confirmation of Esignature[redacted] Acevedo - Completed [redacted] Opened At: 02/01/18:47:57Signed At: 02/01/18:50:05Signing IP: 72.221.67.229In addition, I have uploaded the copy of the Esignature certificate where client electronically signed off on all Service Agreement terms, conditions, and fees associated with our managing/processing servicesOn the same Service Agreement, Client is fully informed this is service is offered directly through the Department of Education free of chargeI conversed with the Client about her dispute and, she openly admitted to hiring our services to get everything started and, when she called her lender to confirm the work completed for her by our Company, she decided to cancel our services to take over her student loans' management after we submitted the forms to place her in the correct repayment plan and knows the consolidation will also be finalizedWith that confirmed, I would like to also add the fact that Client expressed a certain payment schedule that she failed to followShe called us to request to help her and specified to withdraw a total of $238.25+$($245) on 3/04/and 238.25+($245) on 3/18/Lastly, the Client expresses after these two payments her new student loan payment would be $This was not explained/worded that way! Client's recorded conversation details confirm the $dllr payment was calculated based on what Client expressed her total yearly income was for With that amount, we were able to calculate an estimated payment amount that would be close to what the Department of Education would determine as a "reasonable" payment based on the Income Based Repayment program (a.k.aIBR)This payment was to be renewed/updated on a yearly basis as it is an "income driven/contingent" repayment planNever was it confirmed/informed to Client this payment would be final and, even worse, that this would "settle the entire debt"Client was informed appropriately and I have made sure she was also verbally confirmed all this but she decided to rebuttal with non-sense statements accusing us of being a "SCAM" and utilized foul languageI still tried to help her but she blocked all communication from me and filed this complaintUnfortunately, we are not refunding this Client any of the collected fees as we have completed the work and have gotten proof of thisThank you in advance for your attention to this matterWe appreciate it.Best regards,Compliance Department

To Whom It May Concern:This is the final response to [redacted] (Client) complaintNumerous attempts to contact client were made with the best efforts to get her locked/confirmed in her "Ideal" monthly paymentClient refused to accept all programs she was correctly approved forThe history of notes that I am including will confirm that, not only were we continuously working on Client's account, but it will also show you the constant communication held with ClientClient's recording on her answering system states: "don't bother leaving a message because I will not get back to you as I am out in the lake.....etc"We always communicated to Client that, her payment results were correct as these were based off her IncomeShe insisted "re-negotiating" with the Department of Education, however, we continuously disclosed to her the calculations were correct and the only thing she could do if she could not afford her qualified payment was to place a forbearance until she would be able to make her payments accordinglyThis company did not apply forbearance of Client's behalfInstead, we brought her out of default, completed the consolidation of her student loans, and repeatedly filed for the correct repayment program resulting in what the Client has gotten approvedThe servicer has clearly specified that, in order to be placed in the Pay As You Earn (PAYE) program, Client must make consecutive payments of $thus Client's request to obtain $1,back from usClient agreed via the master Service Agreement to our fees associated with handling her student loansIf Client failed to abide by the approved terms and programs -We are not liable! Lastly, Client was properly informed on several occasions her payment obligations and Client always used her "I don't received calls" excuse to evade her financial responsibilities with her servicerWe concluded our services by making certain account was current, and most importantly; locked in the correct repayment planClient was unhappy with outcome and insisted on obtaining a full refundI personally spoke with Client and emailed her the confirmations that she needed to show proof of completed services thus ineligible for any type of refunds Best regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I paid 1,in fees under the agreement that these payments were to be applied to my student loansI was offered only $credit after speaking and emailing with Student Services once I discovered they were not paying off my student loans as originally agreed uponI am asking for Student Services to refund me all of the money that was to be applied to my student loans totaling $1,I am not requesting the $consolidation fee back even though that could have been completed free, but there is no way they can justify taking over $1,in processing feesI strongly ask you to reconsider and to discontinue providing services to those that are struggling to pay off their student loan debt Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted] I just want to cancelI have tried on three separate occasions to cancel and each time they assured me they were sorry I wasn't satisfiedThe first time the woman apologized about the fact I was lied toThe second time the man assured me I would get a cancellation email which I have notThe third time I received a phone call and was told to call a number back in which I left a voicemail saying I wanted to cancelThe repayment plan actually started in February with Navient but I called and asked them to start in May, not student servicesWhat student services told me over the phone was completely different than what was on the document I "signed." They told me to just click and everything would be taken care of according to what we previously discussedI just want to cancelI don't want any more money taken from student services out of my account

I was very satisfied with the level of professionalism I got from this companyI'm a really cautious person due to all the hype of scams out their I saw on the internet but this company rises from all of that out thereI've referred a couple people I know to give them a callThey helped me lower my monthly payments which I didnt know was possible

To Whom It May Concern: Thank you in advance for allowing us the opportunity to address Ms. [redacted] (Client) complaint. Client accepted retaining our processing and student loan management services by signing a Service Agreement on November 25th, 2015. We submitted the consolidation... application on January of 2016. Client paid a total of $270.00 after consolidation was approved. Two additional payments were collected in the amounts of $114.67 for a total collected from Client of $499.34. We completed our services as agreed with Client via service agreement by successfully completing the repayment program placement with the following results: New payment $65.36 starting 5/28/16 for 9 mos. And $119.54 starting 2/28/2017 for 120 mos. Total Principal balance $11,783.97 and accrued interest $98.75. I have reviewed the conversation held with Client confirming Client was never misinformed about payments to us being applied to her loan(s). Client is ineligible for a refund as we completed all work abiding to Service Agreement at all times. Lastly, client also initialed on the waiver sections confirming she was properly informed of all service terms, conditions and fees involved and Client signed Service Agreement confirming she was informed in writing this service was offered at free of charge directly through the Department of Education. I have attached proof of approval terms for Client to make sure she makes her new payment on or before due date of 5/28/2016 for $65.36. We apologize for any inconveniences we may have caused Client. Best regards, [redacted] Compliance Department

[redacted] I contacted Student Services ever since my grace period expired and I could keep up with my paymentsI was paying them and I wasn’t sure how to tell my lender what I can do to pay off my loans After a few phone call my was told that I could have a copay or pay more so I can pay off more loans fasterNone of this was going to work for me and they told me I need to provide special instructions for changing my payment optionsAfter they told me an overwhelming amount of information it was back and forth trying to understand what they needed Truth is I didn’t have time for this and looked into loan consolidationI wanted a system that will not affect my debt badly and at the same time not cost me a fortune trying to pay off my loansI called Student Services at and I told them everything I’m going throughThey were patient and kind to meThey understood my situation and that my lender [redacted] was not deliberately difficult that’s the process everyone has to go throughThe person I was talking to was very honest and made things easy to understandI learned that by consolidating my loan helps with my credit score and that income base repayment plans are best for me and they can process all that for meIt was a relief to finally talk to someone not trying to sell me a high paymentStudent services took a load off I got an approval letter and I’m really happy with my rate nowStudent Services and the people I talk to there conduct themselves very well and will find anything they can for the lowest paymentThey even told me I could choose my payment date

To Whom It May Concern: Thank you in advance for allowing us the opportunity to address Ms [redacted] (Client) complaintClient accepted retaining our processing and student loan management services by signing a Service Agreement on November 25th, We submitted the consolidation application on January of Client paid a total of $after consolidation was approvedTwo additional payments were collected in the amounts of $for a total collected from Client of $We completed our services as agreed with Client via service agreement by successfully completing the repayment program placement with the following results: New payment $starting 5/28/for mosAnd $starting 2/28/for mosTotal Principal balance $11,and accrued interest $I have reviewed the conversation held with Client confirming Client was never misinformed about payments to us being applied to her loan(s)Client is ineligible for a refund as we completed all work abiding to Service Agreement at all timesLastly, client also initialed on the waiver sections confirming she was properly informed of all service terms, conditions and fees involved and Client signed Service Agreement confirming she was informed in writing this service was offered at free of charge directly through the Department of EducationI have attached proof of approval terms for Client to make sure she makes her new payment on or before due date of 5/28/for $We apologize for any inconveniences we may have caused Client Best regards, [redacted] Compliance Department

To Whom It May Concern: Thank you in advance for allowing me to address Ms [redacted] (Client) complaintClient was accepted when she fully executed the Service Agreement on February 1st, Please review the confirmation of Esignature [redacted] Acevedo - Completed [redacted] Opened At: 02/01/18:47:57Signed At: 02/01/18:50:05Signing IP: In addition, I have uploaded the copy of the Esignature certificate where client electronically signed off on all Service Agreement terms, conditions, and fees associated with our managing/processing servicesOn the same Service Agreement, Client is fully informed this is service is offered directly through the Department of Education free of chargeI conversed with the Client about her dispute and, she openly admitted to hiring our services to get everything started and, when she called her lender to confirm the work completed for her by our Company, she decided to cancel our services to take over her student loans' management after we submitted the forms to place her in the correct repayment plan and knows the consolidation will also be finalizedWith that confirmed, I would like to also add the fact that Client expressed a certain payment schedule that she failed to followShe called us to request to help her and specified to withdraw a total of $238.25+$($245) on 3/04/and 238.25+($245) on 3/18/Lastly, the Client expresses after these two payments her new student loan payment would be $This was not explained/worded that way! Client's recorded conversation details confirm the $dllr payment was calculated based on what Client expressed her total yearly income was for With that amount, we were able to calculate an estimated payment amount that would be close to what the Department of Education would determine as a "reasonable" payment based on the Income Based Repayment program (a.k.aIBR)This payment was to be renewed/updated on a yearly basis as it is an "income driven/contingent" repayment planNever was it confirmed/informed to Client this payment would be final and, even worse, that this would "settle the entire debt"Client was informed appropriately and I have made sure she was also verbally confirmed all this but she decided to rebuttal with non-sense statements accusing us of being a "SCAM" and utilized foul languageI still tried to help her but she blocked all communication from me and filed this complaintUnfortunately, we are not refunding this Client any of the collected fees as we have completed the work and have gotten proof of this Thank you in advance for your attention to this matterWe appreciate itBest regards, Compliance Department

To Whom It May Concern: Client, [redacted] , contacted our company to complaint about completed servicesI was able to complete a thorough account review and confirmed all services had been fully completed/rendered and Client was offered a partial credit as resolution to her complaintShe claimed she had no knowledge of having hired a third party regardless of having signed contract of services and having agreed to all fees until she contacted her servicer and were told this is something she "could have done free of charge"The contract of services established very clearly that this is a third party that IS NOT affiliated to any government agencies and, with all services completed; client openly said she would do whatever to get her money backI am including copies of all recent communication held with client as well as copy of the credit agreement client has refused in lieu of "being told she can and will get all her money back".In conclusion, I have included the copies of payments' schedule client was verbally disclosed and confirmed authorization on theseAlso, she E-signed all these disclosures and agreed to all servicesWe are still open to complete the extended offer but will not reimburse any more than what she has been confirmed fair based on all completed workClient is not eligible for a "full refund" Best, [redacted]

RevDex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below. First of all, I do not accept because the issue is not their customer service nor their service period. I fully understand that they are a third party and do not dictate the repayment terms, although I do not deny arguing with them. My main issue with their response is that they stated I stopped making payments in 2015. That is absolutely not true; The company continued to withdraw my monthly payments and I have the bank records to prove it. I am also not arguing for a refund of the annual contract fee (the contract I signed with them states a flat fee for their services, which they did provide.). They state that because they did the work as per the contract, I am not entitled to any kind of refund. I am not asking for a refund of the contract fee ($499 annually). What I am asking for is the refunderlying for the additional money they withdrew from my account that was never paid to the depth of education (just shy of $1500). Then entire amount withdrawn from my account was almost $2000, but I am not disputing the fact that they did the work and per the signed contract, they are entitled to the agreed upon fee. I have also requested several times the financial paperwork of my account with them and an explanation as to why the money was still withdrawn from my account but never paid to the depth of education. They have refused to provide answers when I have spoken directly and have ignored several emails and voicemail I have left. Thank you. *. [redacted] Regards, [redacted]

Student services has helped me out for a long timeWithin six months I have been cleared of default got my loan consolidated and free from harassing calls and emails from my servicerThis was all very overwhelming for me and my familyI know a lot about student loans like forbearance and default, but I lost control because I wasn’t able to afford the high paymentsStudent services helped me see the different things I can do on my account and how my lender may have not immediately offered different options in terms of financing my federal student loans
I have spent a large amount of time getting through my situation and have seriously struggle with getting my finances in orderI was concerned about third party services, but I was surprised Student Services really came through for meI saved a significant sum and I’m free to spend more time trying to find a better job and taking care of other cost like my car and rentThe professional at student services really helped me see that that is very possible when we look into alternatives and not just the lender for support
They do a great job tracking the statuses of my loans on file and I can always call in to verify my account thereThey understand and coup with my communications with people at student servicesThey are very consistent and focused and that helps me understand that process my loans are going through
I hope my feedback is helpful, my time with student services is a really good one and I recommend them to my friends and family!

I’d like to share my experience with Student ServicesThey helped me a lot with my student loans and I wanted to leave them feedbackIt is really important to me when a company takes the initiative to assert the issues I have with certain this very quickly and accuratelyIn this case it was especially important because it has everything to do with my personal finances and that I’m in a very serious situation with my lenderI was behind with my student loans and my lender hassled me about my payment statusThey gave me options to extend my payment period and I didn’t have much to go off ofStudent Services gave me the opportunity to pay a much lower payment and I was able to keep up with my payment optionStudent Services made sure that my loans are in order and that my lender receives the correct amounts
I’m really happy to not have to worry about the stress involved with managing my own student loansStudent Services helped educate me about the income based programs that my lender was ambiguous aboutStudent Services is a responsible company that care about the customers and they do what they say they would do

To Whom It May Concern: Thank you in advance for allowing me to address Ms*** *** (Client) complaintClient was accepted when she fully executed the Service Agreement on February 1st, Please review the confirmation of Esignature.*** Acevedo - Completed***Opened At: 02/01/18:47:57Signed At: 02/01/18:50:05Signing IP: 72.221.67.229In addition, I have uploaded the copy of the Esignature certificate where client electronically signed off on all Service Agreement terms, conditions, and fees associated with our managing/processing servicesOn the same Service Agreement, Client is fully informed this is service is offered directly through the Department of Education free of chargeI conversed with the Client about her dispute and, she openly admitted to hiring our services to get everything started and, when she called her lender to confirm the work completed for her by our Company, she decided to cancel our services to take over her student loans' management after we submitted the forms to place her in the correct repayment plan and knows the consolidation will also be finalizedWith that confirmed, I would like to also add the fact that Client expressed a certain payment schedule that she failed to followShe called us to request to help her and specified to withdraw a total of $238.25+$($245) on 3/04/and 238.25+($245) on 3/18/Lastly, the Client expresses after these two payments her new student loan payment would be $This was not explained/worded that way! Client's recorded conversation details confirm the $dllr payment was calculated based on what Client expressed her total yearly income was for With that amount, we were able to calculate an estimated payment amount that would be close to what the Department of Education would determine as a "reasonable" payment based on the Income Based Repayment program (a.k.aIBR)This payment was to be renewed/updated on a yearly basis as it is an "income driven/contingent" repayment planNever was it confirmed/informed to Client this payment would be final and, even worse, that this would "settle the entire debt"Client was informed appropriately and I have made sure she was also verbally confirmed all this but she decided to rebuttal with non-sense statements accusing us of being a "SCAM" and utilized foul languageI still tried to help her but she blocked all communication from me and filed this complaintUnfortunately, we are not refunding this Client any of the collected fees as we have completed the work and have gotten proof of this. Thank you in advance for your attention to this matterWe appreciate it.Best regards,Compliance Department

If you want to consolidate your student loans into affordable easy payments I would recommend Student ServicesMy lender kept conacting me to make high payments that didnt meet my budget needsI was skeptical at first since it is a 3rd party company and was afraid of being scamI try them out and what I like about them is that if tI have any question I can contact them at any timeCalled a couple of times to see if they new what they were doing and they professionally gave me the correct info and did not say different things each time I called So they know what they doingTotally recommend!

Thank you for allowing us to complete the response to Client's complaintHere are our CRM system notes confirming we satisfied Client's request by closing her account with usPlease review:*** *** ***@studentservices.help>11:AM (minutes ago)to ***, bcc: Billing This is the response of Student Services with respect to your request to cancel services for a student loan consolidation with lower repayment termsYour request has been approved, and this email constitutes confirmation of said CancellationPlease be advised that your Federal Student Loans will no longer be managed by Student Services, and that any confidential or private information that you have provided will be properly disposed ofAt this time, with services being terminated, no further payments will be collected from you and your account has been closed. Should you have a change in circumstances that may require lower repayment terms in the near future; we encourage you to reach out to us, as we are here to ensure that your student loan payments continue to meet your needsWe are here to help simplify your loan repayments by centralizing your loans to one bill with lower monthly student loan paymentsWith no limit to when or how often you may change repayment plans with your loan servicer, subject to eligibility requirements, we are happy to assist you in the future should you have a change in circumstancesThank you for considering Student ServicesShould you have any additional questions or concerns, please do not hesitate to contact the undersigned.Client: *** *** Contract # *** * *** This confirms client's account was closedWe conclude by apologizing for any inconveniences caused. Regards, Compliance Department

I have a made a great discovery for my federal student loans I never would have thought I’d be so successfulWe I received my first phone call from Student Services and I been taken care for over a year and a halfMy agent and I had a really nice phone callMy services with Student Services for all my Federal Student Loan service needsThey are very friendly and love to talk about what’s best for me and my student loansThey are intelligent and can explain how and why my loans are a certain rateI can call them any time about anything and they get back to me right awayI usually call about the status of my loans and then call Nelnet for confirmationI love how everything works very well and I don’t have to worry and I can spend more of my hard earned income on my house paymentI lived in New Jersey for years and I still find myself paying rent with my wifeI called to confirm my renewal and they confirmed they received what I had sent them for income supporting documentationI received an email confirming my renewal had been processed and that was it
Student Services made everything very simple for people to submit with results and status updatesTheir system helped me track my loans through text messages and emailsThey only call me when I call themAll in all, my time with Student Services has help me in many ways including the responsibility to help me better understand my federal student loans and how the plans available can help me and that they are willing to set that up for me
I’m really proud of what I able to do especially with the help of Student ServicesI have a lot of free time, I saved money and I have no worriesI may not make as much as I’d like but Student Services made sure that I can still earn a living and finance my loansMy loan forgiveness program is well underwayI would definitely recommend Student Services for anyone needing student loan managing services

As an individual looking for help with student loans I was looking for someone to help me understand the programs because everything is so confusing for me and they helped me outThey were really friendly and took a lot of time to explain things for meI'm now finally breathing a sigh of relief as they assisted me in lowering my monthly payment with my lenderI would recommend using their assistance for anyone who wants peace of mind now that my payment is low and I am in the forgiveness program as well thank you so much student services

Thank you for allowing us to respond to [redacted] (Client). We tried to work with client but she requested to delete her information and, during our conversation, she only stressed on the importance to delete her information. I confirmed her information was confidential and also the fact it...

was no longer available for me to see anything other than the last 4 of her social. I have copied and pasted my system notes and her response to my email sent to her. This Client admitted going to another company for services thus the need to cancel with us and refund demands. Please review:
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Feb 16, 2016, 5:01 pm[redacted]
Returned client's call and confirmed to her we have cancelled our services and confirmed there is no refund. She was okay and just wanted to be sure we protect her information. Confirmed we protect client's confidentiality rights and concluded call with client's request to cease all communication. Closed on mutual agreement.
[redacted] EMAIL: 
"...there is no unanswered questions, no concerns. All I want is to NEVER have anything to do with this company again. I have hired another company managing my student loans, who provide access to my account that I can monitor, answer my calls when I call, ask security questions to verify my identity, they are secure and they are professional. I trust them, unlike you. And they don't send email that have a bold face lie in its first sentence.
Unlike you, I DO NOT look forward to speaking with you, ever.
[redacted]
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In conclusion, this Client received all services she signed up for and, per her request; we cancelled our services and cannot access her information any longer. Refund was denied and account permanently closed. 
Regards,
Legal Department
Direct: [redacted]