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We do not negotiate, adjust or settle debts or provide legal advice. This site is for informational purposes only to help individuals better understand programs/strategies that may be available. All federal student borrowers are able to and encouraged to learn about, and apply for, any federal re-payment and forgiveness programs through the US Department of Education and other sources for free without paying fees to any person, company, or counselor. Nothing on this site constitutes ANY official qualification or ANY guarantee of result. All telephone numbers listed connect to 3rd party private companies not controlled by offering fee based services to assist with application preparation for federal and other loan programs.