Student Loan Services

Charm City Financial Group is here to take the stress and anxiety out of your student loan situation. Our knowledgeable staff is here to help you during your student loan journey as we provide free, confidential, one-on-one consultation session to determine what programs are right for you.

How it Works

Depending on your situation, it could make sense to consolidate all of your loans into one loan so that you can make a single payment towards all your debt. Our trained staff will analyze your student loans to see if this action makes sense for you and your student loan goals. When you consolidate your student loans, subsidized student loans will be consolidated into one loan, and unsubsidized student loans will be consolidated into a separate loan. The subsidized student loan will have one interest rate and the unsubsidized student loans will have one interest rate.

Are you having trouble affording your monthly student loan payments? An incomedriven repayment plan sets your monthly student loan payment at an amount that is intended to be affordable based on your income and family size. Our trained staff can help you get on an income-driven repayment plan if you qualify. Depending on your situation you could have a payment as low as zero dollars a month.

Did you know that you may be eligible for a 100 percent discharge of federal student loans if you were enrolled in a qualifying school and was unable to complete your program because your school closed while you were in school, you were on an approved leave of absence when your school closed, your school closed within 120 days after you withdrew or you did not get a certificate of completion or diploma? Did you know that you may be eligible for forgiveness of federal student loans used to attend a school if that school misled you or engaged in other misconduct in violation of certain laws? Our trained staff can investigate to see if you qualify.

Do you work in the public sector? The Public Service Loan Forgiveness (PSLF) Program forgives the remaining balance on your Direct Loans after you have made 120 (10 years) qualifying payments under a qualifying repayment plan while working full-time for a qualifying employer. A qualifying employer could be government organizations at any level (federal, state, local, or tribal) and not-for-profit organizations that are tax-exempt under Section 501(c)(3) of the Internal Revenue Code. Our trained staff can help you determine if this is an option for you.

Did you know that if you are disabled you don’t have to repay your federal student loans? To qualify for this type of program it is a lengthy process, however our trained staff is here to guide you all the way.

Are you a teacher? This program is great for teachers that have worked 5 consecutive years at a qualifying Title 1 School (does not have to be the same school for those 5 years). Teachers must have been employed at an elementary school, secondary school, or educational service agency that serves low-income students. If you think you qualify for this program, our trained staff can review your situation and determine if this is the right forgiveness program for you.

Are you behind in your student loan payments? One option for getting your loan out of default is loan rehabilitation. Depending on your income, your monthly payment under a loan rehabilitation agreement could be as low as $5. Our qualified team can discuss this option with you and get you back on track and your student loans out of default.

If you have defaulted on your student loans and are currently getting your wages garnished, we may be able to help stop this action after a certain period of time. Our qualified team can discuss this option with you and get you back on track and your student loans out of default.

When you default on your student loans, the Department of Education could request that the U.S. Department of the Treasury withhold money from your federal income tax refunds. This could mean that when you file your taxes the difference that is owed on your student loans could be taken from you. We can assist if this is the case for you.

How it Works

Consultation

Sign up for a consultation. During your consultation, we will discuss your student loan situation and then determine which programs you qualify for and more importantly which student loan programs will benefit you best.

Sign Up

If you decide to retain our services, Charm City Financial Group will perform a credit analysis of your credit profile so that we can review all student loans that are reporting to the credit bureaus. This will serve as a baseline so that we can ensure that your student loans are reporting accurately once you completed our program.

Submit Application

We then streamline the application process. As a financial services company, we prepare and submit applications to your student loan servicer on your behalf. If you qualify, we could help with one or more of the following programs below:

Student Loan Application Approved

Sit back and enjoy your newly reduced student loan payment.

Schedule a Consultation

Prior to starting our student loan services program, you will have to sign the following:

Consulting, coaching, and monitoring services are conducted by personal meetings, webinars, video conferencing, telephone, email, or by any other form of communication during our normal business hours. In return for the services above, you agree to pay fees as outlined in your client contract. You have the right to cancel this agreement for any reason, however once paid in full and we begin to work on your file, you will not be entitled to a refund. Once canceled, Charm City Financial Group, LLC, will no longer communicate to your loan servicer on your behalf. All request for cancelations must be submitted to us in writing. We make every effort to ensure the accuracy of the information and to clearly explain your options. However, we do not provide legal advice (i.e.; the application of the law to your individual circumstances). For legal advice, please consult an attorney.

Why Us

We are a company with integrity.
We help and guide you from start to finish.
We are very experienced with the student loan process.
We help you to work with your loan servicer until it is done.
We will be intimately involved with your student loan services experience.
We offer a 100% Money Back Guarantee if your student loan services application is not approved.
Our fees are reasonable and there are NO long binding contracts. We help you to work with your loan servicer until it is done.

Package Pricing

$250+

(One-time fee)

payment plans available

$97

(One-time fee)

Sign up For Student Loan Tips

Terms and Conditions

*Payment can be made in two equal monthly installments. Payment is due in full before Charm City Financial Group, LLC begins work on your file.

Client’s Right to Cancellation Policy:

Services are provided on a one-time fee basis. If you chose to pay in two monthly installments, you may cancel at any time prior to making your second payment. If you cancel prior to making your second payment, you will receive a full refund minus the non-refundable credit audit and credit analysis fee. After you make your second payment, Charm City Financial group, LLC will begin work on your file immediately. Once you have paid in full, you may cancel service if you wish to stop us from communicating with your loan servicer on your behalf, however you will not be entitled to a refund for any payments made. To cancel your service, you must do so in writing.

Charm City Financial Group’s Right to Cancellation Policy:

Charm City Financial Group, LLC reserves the right to cancel services with a client for the following reasons, but not limited to:

▪ Failure to disclose any prior attempts within the past 12 months of loan consolidation.
▪ Failure to pay current bills on time as recommended by Charm City Financial Group, LLC.
▪ Failure to pay as agreed when you select the monthly payment installment option.

You will not receive a refund if Charm City Financial Group, LLC cancels service with you for any reason that is not the fault of the company.

Our 100% Guarantee and Return Policy:

You are entitled to a 100% refund on all payments less credit audit and credit analysis fees, if:
▪ Your Student Loan Services application is not approved.

▪ You have not used a Student Loan Services company nor attempted to consolidate your own loans within the past 12 months prior to signing up for our services.

▪ You agree to send all correspondence from your loan servicer and other relevant parties to us within 5 days of receipt.

Terms and Conditions

*Payment can be made in installments with agreement with Charm City Financial Group.
*Pricing depends on the type of student loan application submitted on your behalf.

Our 100% Guarantee and Return Policy:

You are entitled to a 100% refund on all payments if:
▪ Your student loan services application is not approved.
▪ You have not used a student loan services company nor attempted to consolidate your own loans within the past 12 months prior to signing up for our services.
▪ You sent all correspondence from your loan servicer and other relevant parties to us within 5 days of receipt.