Your student loan payment shouldn’t be your only plan.
Struggling with private student loan payments? Start with a free consultation to discuss your situation, understand possible next steps and ask the questions that matter.
Private Loan Relief Services is a consulting and referral service. Consultation is free; third-party services may have fees. Relief is not guaranteed.
Let’s talk about your options.
Request a free private student loan consultation.
Call (800) 251-4115
Tell us what’s making your payments difficult.
You may be keeping up, falling behind or unsure what kind of loan you have. An initial conversation starts with understanding your situation—not assuming that one program fits everyone.
- Identify the loan: lender or servicer, approximate balance and whether it is private or federal.
- Explain the pressure: your monthly payment, payment status and what has changed.
- Discuss next steps: questions to explore and whether a third-party referral may be appropriate.
Would you rather speak with someone?
Call directly to discuss your private student loan situation.
Call (800) 251-4115Do not send Social Security numbers, account passwords or banking login information in a general inquiry. Review the form’s contact consent and our privacy policy before submitting.
Bring your questions about payments, loan status and what to consider next.
A useful conversation begins with clear questions.
Loan terms and available options differ. Before choosing a service, understand how it would apply to your account.
What would actually change?
Ask whether a proposal involves different payments, new financing, negotiation or another service—and what must happen before any change takes effect.
What would you pay overall?
Review provider fees, interest, total payments and how long the arrangement lasts. A lower monthly amount does not necessarily mean a lower total cost.
What are the risks and requirements?
Understand eligibility, payment obligations, possible credit effects, cancellation terms and what happens if a program is not completed.
A straightforward path to a more informed decision.
Request a conversation
Use the form or call. Share enough information to explain the private student loan issue you want to discuss.
Review your situation
Discuss the loan, payment pressure and questions. A referral to a third-party provider may be appropriate, depending on your circumstances.
Evaluate before enrolling
If an option is presented, review the provider’s written terms, costs and requirements. Ask questions before making a commitment.
Understand who you’re speaking with.
Private Loan Relief Services provides financial consulting and referrals to third-party companies. Our consultation is free, and we receive compensation from companies to which you may be referred.
Third-party providers set their own terms and fees. We do not take over your debt, make payments to creditors or provide legal, bankruptcy, tax or accounting advice.
You can also contact your servicer directly.
Ask your private loan servicer about any hardship or payment options available under your agreement. You do not have to use a referral service to ask those questions.
For independent information, visit the Consumer Financial Protection Bureau’s private student loan repayment guide.
If you have received legal papers, seek qualified legal advice promptly. A consultation does not pause legal deadlines.
Common questions
Is this for private or federal student loans?
This landing page focuses on private student loan inquiries. Federal loans have different repayment and assistance programs. If you are unsure which type you have, check your records or ask your servicer.
Does the consultation cost anything?
Private Loan Relief Services’ consultation is free. A referred provider may charge for its services. Request the full fee schedule and written terms before enrolling.
Can you guarantee lower payments or forgiveness?
No. We do not guarantee a particular reduction or outcome. Available options depend on your circumstances and the provider or lender involved. Government forgiveness programs for federal loans do not apply to private loans.
Should I stop making payments?
Do not treat a consultation as an instruction to stop paying. Missed payments can affect credit and may lead to collection activity. Discuss your agreement and circumstances with your servicer and qualified advisers before changing payment behavior.
What should I have ready?
Your lender or servicer name, approximate private loan balance, monthly payment and current payment status are a useful start. Avoid sharing passwords or sensitive account information in an initial inquiry.
Can I call instead of filling out the form?
Yes. Call (800) 251-4115 to discuss your situation.
Start with a conversation.
Make your next step informed.
Ask about your private student loan situation and what to consider before choosing a service.