Our Services



Overview Of What We Do


American Student Loan Advocates is not the Department of Education, a lender, a debt consolidation American Student Loan Advocates, or a law firm and does not provide legal advice. American Student Loan Advocates provides fee based document preparation services to assist consumers who are applying for federal repayment programs and benefits using Department of Education (“DOE”)/approved forms, regulations and or websites. For a fee the American Student Loan Advocates will assist in data collection, analysis, interpretation, presentation of available options and will complete for client’s approval, signature and submission all documents required for federal repayment programs offered by the DOE or its servicers. All processes and applications are available to client free of charge utilizing DOE and approved servicer websites and information resources. Additionally, depending on the service(s) selected, American Student Loan Advocates may contact on client’s behalf any Guarantor, servicer or benefit issuing entity to investigate and report any additional options available to Client for client’s selection and approval. Client’s payments for the requested services to American Student Loan Advocates are Ex Post Facto or “After the fact” and are in no way to be considered as payment towards any outstanding Federal loan debt obligations and American Student Loan Advocates does not imply as such. American Student Loan Advocates DOES NOT provide assistance or service(s) for Private Student Loans nor do any of the Federal Repayment Programs allow for the consolidation or refinancing of private Student Loans. Any option(s) provided should be considered a (Soft Quote) and are the opinion of trained Advocates and are based on verbal (Not proven factual) statements of information provided by client at time of data collection. “Soft Quote” is an estimation solely based on the information provided by Client and may be subject to change pending verification of information. Client should perform in all matters of due diligence in order to verify the qualifying program and statements made by American Student Loan Advocates .

Definition of service and Our Client requirements

Complete and Truthful Information
Client agrees to provide American Student Loan Advocates with information that is current, complete, accurate and truthful at all times. Misrepresentations and incorrect or misleading statements of information may affect the overall “Soft Quote” provided to Client.

Timely Communication of Information
Time is of the essence therefore, client agrees and is required to respond to requests from American Student Loan Advocates within (72) Seventy-Two hours of request via email/text/voice. Failure to communicate may adversely affect client’s loan balances and collection activities which may lead to Wage garnishment or Federal Tax Offset or other Federal Student Loan Related consequences. In the event that client fails to comply with (72) Seventy-Two-hour request for communication, Client will be considered to be in violation of this agreement and will be moved to agreement abandonment status (see Abandonment). Additionally, client understands that provided references may be contacted in efforts to communicate with client if and when all previous contact attempts are unsuccessful. Client is responsible for any negative outcome as a result of client’s failure to effectively communicate on a timely basis. Client may receive notification from Client’s servicer or benefit issuing agency at any time with an approval or denial of benefits. Client is required to communicate with American Student Loan Advocates immediately upon receiving any correspondence.

Initial Performance of Services
Client understands that upon acceptance of this entire agreement for any and all services selected, American Student Loan Advocates will have previously completed analyzing and review of Client’s situation relevant to the services to be provided. The American Student Loan Advocates will have to the best of its knowledge and abilities provided options for client’s selection, though not guaranteed, which meet the overall goals of the client; based on information provided by client. Additionally, if applicable or necessary, the American Student Loan Advocates will complete and submit the applicable Forbearance/Deferment forms or 3rd party authorizations/Limited Powers of Attorney required by the Department of Education or other Servicing/collection entities (Section 3a). Finally, Client shall within (3) three business days receive a live “Orientation Call with the “Program Manager. Client is not required participate in a “Live Orientation Call” and instead if unavailable, a voice message and email transcript shall be sent to client which will provided important information regarding services and general timeline. Completion of this initial performance of service will constitute the successful completion of Stage 1 for any service selected. Client agrees that completion of this stage or following stages warrants partial payment Ex Post Facto or “After the fact” for services completed.

Deferment/Forbearance - American Student Loan Advocates will gather information and process a request on behalf of the client with the applicable servicers or appropriate entities in order to obtain a temporary deferment or forbearance regardless of any current or past deferment or forbearance. This action may allow client to reduce the required payment or stop payments altogether for up to (12) twelve months. No guarantees are written or implied as to the effectiveness or outcome of this request as it is based on specific criteria and is solely at the discretion of each loan servicing or collections entity. Client understands that interest on all loans (Subsidized/Unsubsidized & plus Loans) may still accrue against the principle balance that client owes during this period. American Student Loan Advocates does not suggest extended periods of forbearance as interest and Capitalization may severely increase loan balance. Client may receive notification from Client’s servicer with an approval or denial of deferment or forbearance. Client is required to communicate with American Student Loan Advocates immediately upon receiving any correspondence. Client is responsible to placing a stop on any Automatic Payment with the current servicer.

Federal Repayment Program - Rehabilitation ($1199)
For following section “Rehabilitation” shall be defined as the process of correcting defaulted federal repayment(s) that are either in Default Status or are in Wage Garnishment Status. Client also understands that American Student Loan Advocates does not guarantee results at any time prior to speaking with Guarantor/servicer or collections entity on client’s behalf regarding federal repayment rehabilitation options. American Student Loan Advocates on Clients behalf, contact current Guarantor/servicer or collections entity and American Student Loan Advocates will request options for rehabilitation and will inform, interpret and present all available options to client. Once Client fully understands rehabilitation options and requirements, American Student Loan Advocates will facilitate a 3rd party conference call (if necessary) with Guarantor/Servicer or collections entity where client will be supported in the enrollment or acceptance of additional programs. Client may be required to either orally or in writing, accept the terms and conditions of the agreement between Client and Guarantor/Servicer or collections entity. Once accepted American Student Loan Advocates will receive, distribute and have client sign supporting documents required by the Guarantor/Servicer or collections entity. For these purposes, American Student Loan Advocates merely serves as an information officer and assists client in preparation and facilitation of any documents or document signing required for rehabilitation of defaulted federal repayment(s). Client understands that the best way to cure defaulted federal repayment(s) is to place all qualifying federal repayment(s) into a rehabilitation program with current Guarantor/Servicer or collections entity. Client understands that most rehabilitation programs require up to (12) twelve monthly on time good faith payments that are negotiated with the Guarantor/servicer or collections entity. Rehabilitation while being garnished may require up to (12) twelve monthly on time good faith payments to run concurrently with the existing garnishment. Actual payments required to the Guarantor/Servicer are based on Income, Family Size (Dependents) and monthly expenses and in some instances require verified documentation of hardship. Client understands that once enrolled, the benefit of removing the federal loan(s) associated with the rehabilitation from default status may not occur until (12) months of on time payments have concluded and once associated entity sends verifying documentation of completion. Once successful rehabilitation is completed Client may apply for federal repayment programs through the DOE. American Student Loan Advocates is not responsible for Clients payments to Guarantor/Servicer or collections entity during this time and Clients ability or inability to maintain the terms and conditions of the established rehabilitation shall not supersede this agreement. Client also understands that upon successful completion of established Rehabilitation Program, American Student Loan Advocates will at no additional cost or obligation automatically begin and complete the services listed in Section 5 (Federal Repayment Program Document Preparation – Consolidation) and this agreement will remain in full effect until the completion of all applicable sections. Client agrees that completion of this service(s) in section 4 warrants full payment(s) due Ex Post Facto or “After the fact” for services completed. *NOTE* Rehabilitation is a “Once in a loans lifetime” offering and if at any point the client defaults on the rehabilitation agreement through Clients Guarantor/Servicer or collections, then the Client shall not be entitled to rehabilitate client’s federal student loans.

Federal Repayment Program Document Preparation - Consolidation ($799)
In addition to the services listed in Section 3, American Student Loan Advocates will provide document preparation services to provide completed applications necessary for submission for Federal Student Loan Consolidation. American Student Loan Advocates shall deliver required documents to client) for signature and submission to the DOE or applicable benefit issuing entity. (Unless Opted in for electronic Submission) (See Electronic Submission Request).
Completion of Consolidation Services does not automatically enroll Client into a Federal Repayment Program (IBR/ICR/REPAYE,PAYE, etc). A Separate Application and Documentation must be submitted to Client's Federal Loan Servicer for approval. American Student Loan Advocates is not required but will (If Requested by client) complete the Annual Federal Application for Lower Repayment (Section 7) no additional cost or obligation. A Reasonable expectation of communication and timely response shall exist by both parties, however, no extension of this agreement is implied or granted. Client will be required to submit required documents within 2 weeks of approval of Federal Student Loan Consolidation.

Applications for Discharge or Forgiveness and Monetary award. ($799)
(Disability Discharge, School Closure Discharge, Borrowers Defense to Repayment, Public Service Loan Forgiveness “PSLF”) Prior to the execution of the services listed in this section, Client will first have completed (If necessary) the services listed in Section 3 and Section 5 (which will serve as added protection in the event that full or partial monetary award is not granted by the DOE). American Student Loan Advocates will provide document preparation services and data collection on all required Applications for Discharge or Forgiveness and Monetary award. Once Client returns completed forms and supporting documentation, American Student Loan Advocates shall deliver completed Applications for Discharge or Forgiveness and Monetary award to client) to client for signature and submission to the Department of Education or benefit issuing entity. (Unless Opted in for electronic Submission) (See Electronic Submission Request). (Client is responsible for follow up on applications)

Annual Federal Application for Lower Repayment or Recertification. ($799) (If requested by client) This service shall include the services in Section 3. American Student Loan Advocates will provide document preparation services to provide completed applications necessary for submission of Federal Income Based Repayment Application (Lower Repayment) or Annual Recertification. Additionally, American Student Loan Advocates shall deliver required applications to client (Unless Opted in for electronic Submission) for signature and submission to the Department of Education or benefit issuing entity. (See Electronic Submission Request)

Service Estimated Timeline

The following section will list each service(s) estimated timeline and corresponding stage(s). ​
The success of these services and stages are dependent on Client’s prompt completion and return of all required signatures and documentation necessary for document preparation and services.

Federal Repayment Program - Rehabilitation

  • Stage 1 - (1-5 days) includes all services as described in section 3. Titled “Initial Performance of Services”.
  • Stage 2 - (1-15 days) The American Student Loan Advocates will gather and the Client will provide in a timely manner all required additional information and documentation necessary. American Student Loan Advocates on Clients behalf, will contact current Guarantor/servicer or collections entity and will request options for rehabilitation and will inform, interpret and present all available options to client. Once Client fully understands rehabilitation options and requirements, American Student Loan Advocates will facilitate a 3rd party conference call with Guarantor/Servicer or collections entity where client will be supported in the enrollment or acceptance of additional programs. Client will be required to verbally accept the terms and conditions of the agreement between Client and Guarantor/Servicer or collections entity.
  • Stage 3- Final Stage (16-25 days) all completed applications and supporting documentation shall be delivered to client for submission or (As requested) directly to Guarantor/servicer or collections entity.
  • Added Service - (26-365 days) Upon completion of the above listed steps the American Student Loan Advocates shall be available for advice/assistance to the client for the duration rehabilitation period or until Guarantor/servicer or collections entity sends verifying documentation of completion. Once Rehabilitation is complete, Client will at no additional cost and at no obligation of American Student Loan Advocates to do so prepare and submit the Federal Repayment Program Document Preparation for Consolidation as listed in section II.

Federal Repayment Program Document Preparation (Consolidation)

  • Stage 1 - (1-10 days) includes all services as described in section 3. Titled “Initial Performance of Services”.
  • Stage 2 - Final Stage (10-120 days) all completed applications and supporting documentation shall be delivered to client for submission or (As requested) directly to DOE or applicable benefit issuing entity electronically or via certified or standard U.S. Postal Service.

Federal Repayment Program Document Preparation (Lower Repayment or Recertification)

  • Stage 1 - (1-10 days) includes all services as described in section 3. Titled “Initial Performance of Services”.
  • Stage 2 - Final Stage (1-120 days) all completed applications and supporting documentation shall be delivered to client for submission or (As requested) directly to DOE or applicable benefit issuing entity electronically or via certified or standard U.S. Postal Service.

Applications for Discharge, Cancellation, Forgiveness and Monetary Award (Disability Discharge, School Closure Discharge, Borrowers Defense to Repayment, Public Service Loan Forgiveness “PSLF”)

  • Stage 1 – (1-60 days) includes all services as described in section 3. Titled “Initial Performance of Services” and Consolidation (If Applicable).
  • Stage 2 - Final Stage (1-180 days) all completed applications and supporting documentation shall be delivered to client for submission or (As requested) directly to DOE or applicable benefit issuing entity electronically or via certified or standard U.S. Postal Service.

Fees that Client Pays AMERICAN STUDENT LOAN ADVOCATES DOES NOT CHARGE ADVANCED FEES FOR SERVICES. The payment for American Student Loan Advocates ’s services relating to the Consultation and Document Preparation and delivery to the Client or electronic submission of applications are described in Section 1-5. Fees are charged for the requested service in the total amount as described on (page 13). Fees are charged following each stage and the monetary value of each stage is in direct proportion to the total fee amount and the number of stages. (Example. $799 fee with 2 stages would be assessed $399.50 per completed stage). All fees are earned and paid Ex Post Facto or “After the fact” which are due and payable as described in the attached Draft Schedule (Schedule B). Client has the option to pay via debit/Credit card (Electronic Invoice), ACH Withdrawal which will be automatically transferred or Financing (Additional Approval and Financing agreement required) Payments through ACH, Automatic Debit/Credit payments may be collected on an extended periodic payment option as indicated in the attached Draft Schedule (Schedule B) at the sole discretion of American Student Loan Advocates and at the acknowledgement of client. The funds shall be automatically transferred from Client’s bank account, credit/debit card or Financing bank Ex Post Facto or “After the fact”, unless other payment methods are authorized. Client understands that Fees paid to American Student Loan Advocates are for services performed and are not to be considered as payment towards Clients Student Loan Debt Obligation(s). Client understands that client shall be responsible for any third party support, service fees, bank processing, third party account fees or 3rd party collection fees. At Client’s option, an independent dedicated account provider may be used to debit/charge fees, holding them securely under Client’s ownership until fees become due. Client may select such optional provider and is responsible for all costs associated with such. NSF Charges – Client understands that is any form of payment has been dishonored for lack of funds, incorrect drafting account information or due to account closure or for any other reason, Client agrees to pay a “NSF” Non-Sufficient Funds fee of $35. No NSF fee shall be Charged for residents of DE,DC,KY,ME,NM,ND,RI,VT. Regardless , American Student Loan Advocates reserves the right to continue attempting to draft on the scheduled payment scheduled dates as agreed to by client or to void payment schedule and forward Client to a 3rd party collections entity. If Client fails to Notify American Student Loan Advocates of non-sufficient funds prior to the established payment schedule date(s) and the Client’s payment is not successfully processed, American Student Loan Advocates may require client to establish an alternate payment method. Client agrees to work with a designated 3rd party collections or service agency in order to pay any outstanding fees owed to American Student Loan Advocates . (Additional Collection Fees May be added to the total due to include $35 NSF fee per declined transaction. If Client requests, and American Student Loan Advocates agrees, Client may reschedule payments due for an additional fee of $10 (one-time) per rescheduling occurrence. $10 fee is due at time of rescheduling.

Limited Money Back Guarantee. American Student Loan Advocates guarantees that its documents will be sufficiently accurate and comprehensive and American Student Loan Advocates makes no guarantees either written or implied that the outcome of Client’s submission will be satisfactory to client. However, all documents will be properly completed and the entirety of Clients provided information will be used in so that Client should receive the selected Federal Repayment Program and Monetary Award if client meets all Federal Requirements. American Student Loan Advocates reserves the right in this section to offer a partial or full refund to clients based on successful completion of services but denial of Federal Repayment or Benefits or Cancellation/Termination. Additionally, American Student Loan Advocates may without obligation resubmit additional Federal Applications in the even that Client is receives a denial through the Department of Education or related servicers. This section shall survive for the duration of this agreement and shall not supersede “Cancellation or Termination Policies”.

Cancellation/Termination Policy: The American Student Loan Advocates ’s cancellation policy is designed to exceed state law requirements (for the Client’s protection) and be easy to understand: If you are unhappy, unsure, not interested or do not choose to utilize American Student Loan Advocates ’s services within (72) Seventy-two hours (Not Business days) of signing this agreement Client may cancel with no penalty or fee regardless of any work performed. After 72 hours (Not Business days) this agreement will be considered full and binding and American Student Loan Advocates will have completed work on Client’s behalf, therefore, Client may not cancel this agreement after the 72 hour (Not Business days) “Cooling off period regardless of circumstance”. If client chooses to cancel this agreement during the “72 hour cooling off period” client should simply send an email to Cancellations@AmericanSLA.org to the American Student Loan Advocates requesting cancellation of your contracted service. Refunds for overpayments are issued and shall be determined based on services rendered and stages completed as per Section I-II. Once American Student Loan Advocates completes its document preparation services and sends documents to Client or submits electronically, Client shall not be entitled to a refund. In the event that Client does not cancel within the “72 Hour Cooling Off Period” and Abandons this agreement (See Abandonment), Client agrees to work with a designated 3rd party collections or service agency in order to pay any outstanding fees owed to American Student Loan Advocates . (Additional Collection Fees May be added to total due.)
Right to Termination Agreement- Client understands that American Student Loan Advocates retains the right to terminate this agreement or place Clients on a hold for nonpayment, insufficient communication or for no specific reason at all at any time prior to or following the 72 hour (Not Business days) “Cooling off period”. In the event of a Termination, a final Email Notification of Termination shall be sent and client Indicating reason for termination and any refunds due shall be paid as per (Section 7 Limited Money back Guarantee) within 10 business days.
(72 Hour) Termination (Client)– Client understands that Client may cancel services requested with no penalty or fee assessment within the first (72) Seventy-Two hours (Not Business days) of signing regardless of any work performed on Clients behalf”. If client chooses to cancel this agreement during the “72 hour cooling off period” client should simply send an email to Cancellations@AmericanSLA.org to the American Student Loan Advocates requesting cancellation of your contracted service.

Abandonment. The intent of this section is to enforce appropriate communication and timely payment, however where American Student Loan Advocates resources are exhausted on unsuccessful Client communication attempts to resolve Payment discrepancies or other requests for information, American Student Loan Advocates may place Clients file on a hold and all work may cease until all communication attempts are satisfied or outstanding monies owed for completed stages are paid either directly to American Student Loan Advocates or through 3rd party collection efforts or otherwise. Additionally, this section provides reinforcement of the limitations for a client requesting to cancel this agreement prior to completion of all services. No agreement shall be voided or cancelled by client unless it is within the “72 hour cooling off period”. No liability shall exist as a result of client’s failure to communicate or provide required payments to documents to American Student Loan Advocates .

Indemnification. Client hereby agrees to defend and indemnify American Student Loan Advocates , employees, contractors, agents and any supporting servicer from and against any claims and liability of any nature whatsoever arising out of or in connection with Client’s failure to timely provide requested information to American Student Loan Advocates or from issues arising from statements made or actions taken or not taken, Client’s lack of authority or ability to complete terms of this Agreement, and all other claims arising out of this Agreement or relating to Client’s Federal Repayments and other financial obligations. This Agreement constitutes the entire agreement between the parties. American Student Loan Advocates makes no warranty, express or implied, as to the fitness of any recommendation it may make to Client arising out of this Agreement. Except for cause, Client unconditionally waives any right of action against American Student Loan Advocates and support servicer, its officers, directors, employees, agents, brokers and assignees, at law, equity or any other cause of action for any reason, directly, indirectly or proximately believed to arise out of this Agreement, for any damages of any nature whatsoever that Client may incur by reason of Client following any recommendation of American Student Loan Advocates or Client’s failure to follow any recommendation of American Student Loan Advocates , whether any singular, concurrent or series of recommendations are acted upon or not acted upon in whole or in part by Client. No liability shall exist as a result of client’s failure to communicate or provide required documents.
This section shall survive any termination of this Agreement.

Process Estimated Timeline – Client understands that American Student Loan Advocates is not the Department of Education, a lender, a debt consolidation American Student Loan Advocates and though American Student Loan Advocates assists Clients in the completion of applications and documents, American Student Loan Advocates does not have any weight, decision on the total outcome of Federal Repayment, rehabilitation or forgiveness Programs. Timelines though approximated are variable and may change based on other factors outside of American Student Loan Advocates ’s control. The initial stages of Document Preparation and delivery are largely dependent on Clients timeliness, ability to provide correct information and Clients willingness to move forward.

Federal Repayment Programs - Once Clients Application is submitted to DOE, it may take DOE or its servicers up to ninety (90) days or longer to respond. However, American Student Loan Advocates makes no claim as to the promptness of this process and it may be completed sooner or later than (90) days.

Federal Repayment Rehabilitation Programs - Once Clients Application is submitted to Servicer, the Rehabilitation program is in full effect and client is obligated through the new terms and conditions of Clients servicer to successfully meet all payment requirements. This process may take up to (12) twelve months and is not complete until Client receives notification of completion from Collection Entity.

Applications for Discharge, Cancellation, Forgiveness and Monetary Award - Once Clients Application is submitted to DOE or benefit issuing entity, it may take up to ninety (90) days or longer to respond. However, American Student Loan Advocates makes no claim as to the promptness of this process and it may be completed sooner or later than (90) days.