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   Student Loan Debt Consolidation

Student Loans can become very burdensome and overwhelming. The potential consequences of not paying back student loans as originally agreed are outlined by the Department of Education and are as follows: Student Loan Debt Consolidation
  • Your entire loan balance (principal and interest) will be due in full immediately.
  • Your college records may be placed on hold.
  • You’ll lose eligibility for loan deferment.
  • You won’t be eligible for additional federal student aid.
  • Your account may be turned over to a collection agency and you’ll have to pay additional charges, late fees and collection costs, all of which become part of your debt.
  • Your credit rating will be damaged for several years because defaulted loans are reported to national credit bureaus.
  • You’ll have difficulty qualifying for credit cards, a car loan, a mortgage, or renting an apartment (credit checks are required to rent an apartment).
  • Your federal and state income tax refunds can be withheld and applied to student loan debt. This is called a tax offset.
  • You may have a portion of your wages garnished (withheld).
  • You may not be able to obtain a professional license or get hired by an employer that performs credit checks.
Emerson and Douglas Associates can help you to consolidate your federal student loans, allowing you to reap all the benefits that the government has waiting for you with your specific personal and financial needs. Please understand that Emerson and Douglas Associates DOES NOT work for or with the government in any way, but is in fact a company that helps people re-structure their financial lives in a myriad of different ways. A consolidation loan may be beneficial for the following reasons:
  • If multiple loans are being consolidated, it may be easier to track one monthly payment rather than several.
  • Personal and financial factors may allow for a smaller monthly payment and provide breathing room for other expenses and bills.
  • Interest rate will become fixed, not variable.
  • Forgiveness programs (a portion of the debt may be forgiven completely) may be available.
  • Will renew deferment time.
  • Will stop damaging marks to credit from being delinquent.
  • Will put you back in good standing with the Department of Education.

Call Us at (888) 939-1115 or email me back for more information and to see if you would qualify.

Emerson and Douglas Associates has maintained an A rating on the Better Business Bureau and ZERO complaints. You can put a little faith in us.

Emerson and Douglas
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Emerson & Douglas
Emerson & Douglas Associates, LLC · 26 Ermer Rd. 2nd Floor, Salem, NH 03079 · 1-888-939-1115
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* Disclaimer: Individual results may vary based on ability to save funds, amount of debt, willingness of creditors to negotiate, and the successful completion of all program terms. Program does not assume or pay any debts, nor provide legal or tax advice. Prudence should always be taken by consumers when reviewing contracts and disclosure materials. Emerson & Douglas Associates, LLC services not available in all states. For more details see our Disclosures page.
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