Frequently Asked Questions

American Financial Solutions is a specialized consulting firm that helps borrowers navigate federal student loan relief programs offered by the Department of Education. We are not a lender or loan servicer. Instead, we provide expert guidance through the complex application processes for government forgiveness programs like Borrower Defense, Public Service Loan Forgiveness (PSLF), Income-Driven Repayment plans, and other federal relief options.

Your loan servicer manages your monthly payments and loan account, but they work for the loan holder, not for you. American Financial Solutions works exclusively for borrowers like you to help access federal relief programs.

• Loan Servicers: Collect payments, manage accounts, work for lenders
• American Financial Solutions: Navigate federal relief applications, work for borrowers
• Our Focus: Maximizing your chances of approval for government forgiveness programs

We specialize in helping borrowers access these Department of Education relief programs:

• Borrower Defense to Repayment: For victims of school fraud or misconduct
• Public Service Loan Forgiveness (PSLF): For qualifying public service employees
• Income-Driven Repayment Plans: Payment plans based on income and family size
• Closed School Discharge: For students whose schools closed while enrolled
• Teacher Loan Forgiveness: For qualifying teachers in low-income schools
• Total and Permanent Disability Discharge: For borrowers with qualifying disabilities

Your initial federal program assessment is completely free. During this consultation, we'll review your situation and determine which government programs you may qualify for.

Our fee structure is determined on a case-by-case basis. We only take on cases that we know have high chances of approval, ensuring you're investing in a strong likelihood of success.

Money-Back Guarantee: We stand behind our work with a money-back guarantee. If the Department of Education says that the claim we filed was incomplete or not according to their guidelines, we will refund your fee.

Timeline varies by program and individual circumstances:

• Application Preparation: 2-4 weeks with our assistance
• Federal Review Process: 3-12 months (varies by program)
• Borrower Defense: Can take 6-18 months for DOE review
• PSLF: Typically 90-120 days for federal processing
• Income-Driven Plans: Usually 4-6 weeks for approval

We help expedite the process by ensuring your application is complete and properly submitted the first time, avoiding delays from missing documentation or errors.

Our thorough application preparation process has resulted in a 95% approval rate for our clients' federal relief applications. This is significantly higher than the average approval rate for applications submitted without professional assistance.

Our success comes from our expertise in federal program requirements, comprehensive documentation gathering, and ensuring every application meets the Department of Education's strict standards before submission.

Eligibility varies by program, but you may qualify if you have:

• Federal student loans (Direct Loans, FFEL, Perkins)
• Attended a school that misled you or engaged in fraud
• Work in qualifying public service employment
• Financial hardship affecting your ability to repay
• A qualifying disability
• Attended a school that closed while you were enrolled

The best way to determine your eligibility is through our free assessment. We'll review your specific situation and identify which federal programs you may qualify for.

Yes, all federal student loan relief programs are available directly through the Department of Education at no cost. However, the application processes are complex and rejection rates are high.

Why many borrowers choose professional assistance:

• Complex federal requirements and documentation needs
• High rejection rates for incomplete or improperly submitted applications
• Time-consuming process that can take months to navigate alone
• Constantly changing federal regulations and deadlines
• Risk of missing critical documentation or evidence

If the Department of Education denies your application, you typically have options:

• Appeal Process: Most programs allow appeals with additional evidence
• Resubmission: You can often reapply with stronger documentation
• Alternative Programs: Explore other federal relief options you may qualify for

Our 95% success rate means denials are rare, but when they occur, we work with you to understand the reasons and explore next steps. We review the denial letter and help determine the best path forward.

Getting started is simple and takes just 15 minutes:

1. Contact us to schedule your free federal program assessment
2. Consultation call where we review your loan situation and eligibility
3. Program recommendations based on your specific circumstances
4. Next steps if you decide to move forward with our assistance

There's no obligation, and you'll walk away with valuable information about your federal relief options regardless of whether you decide to work with us.