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3700 N State Rd 7
Suite 102
Lauderdale Lakes, FL
33319

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STUDENT LOAN CONSOLIDATIONQuote

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Fast Loan Consolidation Services

Free student loan forgiveness and consolidation services!
Call us today at Toll-Free: 1-877-272-5331

Student Loans

Are you burdened with crippling
student loan payments?

1-877-272-5331

Professional Document
Preparation Services

We assist clients in document preparation for Federal student loan repayment plans. ASLC will assist in preparing government applications of income driven repayment plans (IBR). Our main objective is for each of our clients to maximize the benefits they are entitled to by the government.

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Before It's Too Late
Stop the garnishments, and live happy!

Student Loan Consolidation

We can prepare documents for any program.

Here are some factors you should consider 
when deciding if consolidation is right for you.

Are your monthly payments manageable?

If you have trouble meeting your monthly payments, have exhausted your deferment and forbearance options, and/or want to avoid default, a Federal Consolidation Loan may help you.

Too many monthly payments driving you crazy?

If you send payments to more than one lender every month, and want the convenience of a single monthly payment, consolidation may be right for you. With a Federal Consolidation Loan, you will have a single lender – the U.S. Department of Education – and a single monthly payment.

What are the interest rates on your loans?

If you have variable interest rates on your Federal education loans, you may want to consolidate. The interest rate for a Federal Consolidation Loan is fixed for the life of the Federal Consolidation Loan. The rate is based on the weighted average interest rate of the loans being consolidated, rounded to the next nearest higher one-eighth of one percent and cannot exceed 8.25 percent.

How much are you willing to pay over the long term?

Like a home mortgage or a car loan, extending the years of repayment increases the total amount you have to repay.

How many payments do you have left on your loans?

If you are close to paying off your student loans, it may not be worth the effort to consolidate or extend your payments.

Loan Repayment Plans

Standard:

With the standard plan, you'll pay a fixed amount each month until your loans are paid in full. Your monthly payments will be at least $50.
The standard plan is good for you if you can handle higher monthly payments because you'll repay your loans more quickly. Your monthly payment under the standard plan may be higher than it would be under the other plans because your loans will be repaid in the shortest time.

Graduated:

With this plan your payments start out low and increase every two years. The length of your repayment period will be up to ten years. If you expect your income to increase steadily over time, this plan may be right for you. Your monthly payment will never be less than the amount of interest that accrues between payments. Although your monthly payment will gradually increase, no single payment under this plan will be more than three times greater than any other payment.

Income Contingent:

This plan gives you the flexibility to meet your Direct Loan obligations without causing undue financial hardship. Each year, your monthly payments will be calculated on the basis of your adjusted gross income (AGI, plus your spouse's income if you're married), family size, and the total amount of your Direct Loans. Under the ICR plan you will pay each month the lesser of:

Income Based:

Under this plan the required monthly payment will be based on your income during any period when you have a partial financial hardship. Your monthly payment may be adjusted annually. The maximum repayment period under this plan may exceed 10 years. If you meet certain requirements over a specified period of time, you may qualify for cancellation of any outstanding balance of your loans.

Pay As You Earn:

Under this plan the required monthly payment will be based on your income during any period when you have a partial financial hardship. Your monthly payment may be adjusted annually. The maximum repayment period under this plan may exceed 10 years. If you meet certain requirements over a specified period of time, you may qualify for cancellation of any outstanding balance of your loans. The difference between PAYE and IBR is: PAYE is 10% of the difference between your AGI and the poverty level for family size and state and IBR is 15% of the difference between your AGI and the poverty level for family size and state.

Company informations

National Student Loan Credit Services
Customer Care

3700 N State Rd 7, Suite 204
Lauderdale Lakes, FL 33319

Contact details

E-mail address:
contact@nslcs.com

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Non-Lawyer Disclaimer: We are a non-lawyer self-help service that provides document preparation at your specific direction. We are not attorneys and cannot provide legal advice. The contents of this page nor of any conversation you have with us should or may be construed as legal advice. If you have legal questions you are encouraged to consult with or retain an attorney.