We Can Help With Your Student Loans

You’re not alone, student loan debt in the United States has topped $1.2 trillion. Get help now by calling to speak with a certified debt reduction counselor or use the form below to learn more about the options available to you.

Debt Relief to Turn Your Life Around

Millions of Americans are struggling under the crushing weight of trillions of dollars’ worth of student debt. U.S. Processing Solutions is here to alleviate the burden and struggles of those Americans nationwide who are trying to repay their federal student loans. We’re a document processing organization of professional student loan consultants that work to take a weight off your shoulders. Our staff educates you about affordable ways to make your loans and payments more flexible and easy to manage. Just submit the contact form and our staff will be in touch.

With more than 20 years of experience in finance and student loans, our consultants are aptly qualified to work with you to find the program that best suits your current financial situation. Always remember that we work for you and on your behalf. We’re not contracted or affiliated with the U.S. Department of Education. Our job is strictly to provide you with student loan education. That means we help you identify all of the options available to you, such as reducing your payments. We also aid you in exploring any opportunities to refinance student loans and apply for various forgiveness programs.

Available Programs

Public Service Loan Forgiveness                           
Teacher Loan Forgiveness
Graduated Plan
Extended Plan
Pay As You Earn Repayment
Standard Repayment
Total Disability Loan Discharge
Income Based Repayment (IBR)
Income Contigent Repayment (ICR)


Benefits

One Loan & One Monthly Payment
Reduced Monthly Payments
Shorter Terms
Qualify Through Income & Family Size
Credit Is Not A Factor
Flexible Repayment Options
Default Resolution

Why Come to Us?

How We Work

We give students and graduates nationwide the gift of both convenience and peace of mind, and it sure beats wasting time surfing various government websites. Our trained debt consolidation experts guide you through the application process, so you obtain exactly the result you want faster. They don’t file an application until it is both correct in every area and destined to achieve what you desire.

Our organization operates on a performance-based policy of a money back guarantee, if somehow we should fail to secure debt consolidation for you. We also advise on which income based student loan repayment plan best suits your individual financial situation. This lets you concentrate on the more important task at hand: completing your studies and securing employment afterwards. If you have trouble managing after graduation, we offer help with student loan forgiveness too. Check our Programs page for more information.

It’s true that you can sometimes file your loan application directly. However, just like when you file your own tax return, a lack of specialized knowledge could prove your undoing. When you use an approved tax specialist, you’re getting help from someone who knows tax matters inside out, and this means peace of mind going forward. The same argument applies when seeking consolidated federal loans. Having somebody on your side who knows the system makes using U.S. Processing Solutions the much more advantageous option.

FREQUENTLY ASKED QUESTIONS

Should You Consolidate Your Loans?

Carefully consider whether loan consolidation is the best option for you. The benefit is that it greatly simplifies loan repayment by centralizing your loans to one bill and lowers monthly payments by giving you up to 30 years to repay. You might also have access to alternative repayment plans you wouldn’t’ have had before, such as Income Contingent Repayment. Plus, you can switch your variable interest rate loans to a fixed interest rate. This is one of several ways to reduce student loan payments.

However, if you increase the length of your repayment period, you also make more payments and pay more in interest. Our consultants are happy to help you compare your current payments to what they would be if you consolidated your loans. Please be aware that once your loans are combined into a direct consolidation loan, the action cannot be undone. This is because the loans that were consolidated cease to exist.

What Types of Loans Can Be Consolidated?

Most federal student loans, including those listed below, are eligible for consolidation. Note, however, that private education loans are not. If you’re in default, you must meet certain requirements before you can consolidate your loans. Consolidation can’t be used to transfer a PLUS loan granted to the parent of a dependent student to the student. Therefore, students applying for loan consolidation can’t include the PLUS loan the parent took out for the dependent student’s education. Those that can be consolidated include:

Direct Subsidized Loans
Direct Unsubsidized Loans
Subsidized Federal Stafford Loans
Unsubsidized Federal Stafford Loans
Health Education Assistance Loans
Direct PLUS Loans
PLUS loans from the Federal Family Education Loan (FFEL) Program
Supplemental Loans for Students (SLS)
Federal Perkins Loans
Federal Nursing Loans
Some Existing Consolidation Loans

Your Student Loan Repayment Options

The Standard Repayment Plan allows a fixed monthly payment over ten years; the amount you borrowed determines your actual payment. Or you could try the Graduated Plan, where you start with a lower monthly installment for the first two years. The payment then increases every two years over the ten-year loan term. If you need more time, try the Extended Plan. This option gives you up to 25 years. You then choose either fixed monthly installments or an extended graduated plan. Remember, the longer you take to settle a loan, the more interest you end up paying. Other choices include Income Contingent, Income Based, and the Pay as You Earn (PAYE) student loan repayment plans.

In the Contingent Plan. monthly payments are arranged according to your adjusted gross income. If your payment doesn’t cover the interest factor, we capitalize the unpaid portion back to your loan. After 25 years, we discharge you from any outstanding balance. The Income Based plan is similar in that your income determines the payment, allowing for annual adjustments. Under certain conditions, we may discharge you from any balance outstanding after ten years. If you opt for PAYE, your payment may move up or down each year according to your family size and your actual income. Typically, this plan has the lowest monthly bill of the income-based bunch, so qualification depends on proof of partial financial hardship.

The Loan Forgiveness Plan

Nonprofits with a valid 501 (3) (c) tax-exempt status from the IRS are also included. This differs from non-public employment service employees in that, for the public sector we’ve outlined above, the enduring loan balance as discharged stays untaxed as income by the IRS.
Assuming you make the 120 loan repayments on time under the Income Contingent, Income-Based, or PAYE repayment plans while working at a qualifying, public service job full-time, you can apply to have the outstanding balance left on your loan discharged. Sectors qualifying for this relaxation include any employment with a local, state, or federal government organization, entity, or agency.

CONTACT US