Possible Debt Relief Options.
When it comes to addressing your debt, there are many options available. We suggest considering healthier Alternatives to Bankruptcy, Debt Consolidation and Consumer Credit Counseling.

Instructor Student Loan Forgiveness Scheme: Student Loan Forgiveness what Choice Of Colleges Deliver This Benefit

Ahead of the marketplace was beneath like strains, it was fairly easy to get a student loan consolidated. Federal loans could be consolidated applying personal loan providers and there ended up innumerable organizations that presented non-public student loan consolidation software programs. Today, federal loans are managed exclusively by the government and private loan providers have shied away from presenting consolidation providers for all other student loans. With all the variations that have occurred in the money district, borrowers are normally at a loss for what to do and the place to go with their consolidation expectations. Student loan consolidation information is occasionally contradictory, but with enough perseverance and exploration borrowers can find the companies that will very best match their demands.

Federal Student Loan Consolidation Information and facts

As previously explained, till just a number of yrs in the past federal loans could be refinanced making use of a personal lender. The authorities has not long ago set an stop to this and now offers two various consolidation applications by way of the Larger Education and learning Act (H.E.A.): the Federal Friends and family Education Loan (F.F.E.L.) and the William D. Ford Federal Immediate Loan (Immediate Loans) software programs. The F.F.E.L plan is frequently referred to as the federally guaranteed loan program for college student and the monies are provided by many fiscal institutions of which the borrower has his option of loan providers. The borrower doesn't have a option of loan providers in the Direct Loans program given that its monies are provided entirely by the US Treasury by way of the US Division of Education and learning.Student Loan ForgivenessSince of the Making sure Carry on Accessibility to Student Loans Act of 2008 (E.C.A.S.L.A.), consolidating loans originated immediately after October 1, 2007 is unprofitable to F.F.E.L lenders. This has prompted the F.F.E.L software lenders to halt providing consolidation providers and ahead these loans for college student to the Immediate Loans program's consolidation services.

Personal Student Loan Consolidation Suggestions

Due to the fact govt aid and federal loans don't go over all instructional economic demands, pupils often resort to non-public loans to cover the further fees. Upon graduation and although in repayment, the borrower should study consolidation companies to strengthen his monetary outlook. As a borrower with numerous student loans, a single really should search for a plan that presents the following products and services: one. Fixed Curiosity Prices - this lowers repayments in the quick-term but prolonged-expression results contain paying back a greater in general amount and having to pay in excess of a extended period of time. This can be well worth the energy even though if the fixed fee is reduced adequate and blended with other favorable bonuses.Student Loan Forgiveness two. Association Deals - most student loan consolidation organisations also provide financing in other economic spots developing multiple accounts with the very same lender normally leads to savings and bonuses to maintain the borrower loyal. 3. Payment Options - a fantastic loan company will give deferment and forbearance opportunities in the function the borrower re-enters college or suffers from specific sorts of fiscal crises that will prevent him from repaying the loan. These possibilities permit the borrower's account to continue to be in superior standing Student Loan Consolidationthough he sets his affairs in purchase. Also important to take into account is interest-only repayments nevertheless these can be tough to cope with, this style of payment will allow the fascination to be paid off early so that only the principal continues to be immediately after a specified quantity of ages. Following taking a personal stock of your individual loans, use this student loan consolidation assistance to tutorial you by means of the troubled fiscal waters that have taken maintain of the US market. Holding these guidelines in intellect and looking out for these incentives will assure that any borrower's consolidation procedure is swift and painless.

Bankruptcy

Although bankruptcy is a genuine path to get out of debt, it leaves a long lasting scar that comes at a high price both financially and emotionally. The financial impact is severe; bankruptcy will stay on your credit report for 7-10 years .You shouldn�t consider bankruptcy as a simple “quick fix” to all of your financial difficulties, but rather as one of the...

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Debt Consolidation

This option may only work economically if you have an average or good credit rating, assets such as mortgage-free property or considerable equity in your home. If you have a significant amount of debt and have been late on just one monthly payment, it is likely that your credit may be impaired.

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Consumer Credit Counseling

Credit Counseling is one of the most well- known and common decisions for people in search of debt relief. After enrolment, the consumer is required to make a single payment directly to the counselling company. Once the payment has been received, it will be duly forwarded on a monthly basis to each of your enrolled creditors.

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Debt Settlement

This could be one of the fastest and most effective methods to settle your debt at a lower figure than what you actually owe. Student Loans Escape's "Debt Settlement Programs" could not only settle your debt by up to 40 - 60% of your outstanding balance, but it also may enable you to become debt-free from your enrolled accounts in as little as 12 - 36 months.

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Student Loan Settlement

Student loan debt settlement can bring significant relief to the lives of former students who struggle to meet their student loan payment obligations each month. Unfortunately, since our economy is not showing any signs of improvement, more and more Americans find themselves unemployed. Not to mention those that have recently graduated and who will likely experience an extra difficult time finding work.

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The summaries listed below are alternatives available to you so that you can make an educated choice based on your own circumstances.

Our Programs may assist you from getting out of debt in as little as 12 - 36 months. Your debts may be settled to as low as 40 - 60% of the entire balance. If you are suffering from financial hardship and unable to move on with your lives, the most common debt relief options are:

Continue minimum monthly payments

Unfortunately, millions of Americans who are struggling with their debts continue to just barely make their monthly payments. Most of these people just keep doing whatever they can to continue making minimum payments for the rest of their lives and it could take over 30 years to pay back your creditors. The costs may exceed the original amount that was borrowed by thousands of dollars in interest alone, and also may require you to possibly pay back over three times the amount you initially borrowed. This may be the most time consuming, expensive, and economically unfavorable way to get out of debt. Keeping high balances on your credit cards may affect your credit in a negative way and could make it more difficult to obtain any other type of loan.

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How to Have Your Student Loans Forgiven

I'm quite certain that masses of borrowers are attempting to still pay off their student loans YEARS after they've been out of college. Whatever the situation is, it is evident that a lot of people want to take care of their student loans ASAP. The Feds will provide student loan debt relief through programs categorized under "Forgiveness" programs. Of course nothing is forgiven for free, but this is a pretty nice way for individuals to providtheir skills and services for needed areas of the community, and in return the Government will be kind enough to waive a chunk of their student loans. I meant to say, the government will shine one ray of kindness only if you sweat and bleed for them, I'm just kidding.When individuals decide on "Forgiveness" and they take on a public service role, it is crucial that they decide on doing this from the goodness of their heart and not for the sole purpose of getting relief on their student loans.

Student Loan Forgiveness Programs has many alternatives

A person should find a program that is interesting to THEM, and should consider if it is something that they could have passion for. By thinking it through and deciding on something that suits them, they would be able to serve humanity and at the same time it will allow them to receive assistance on their student loan debt.

Debt Consolidation

This option may only work economically if you have an average or good credit rating, assets such as mortgage-free property or considerable equity in your home. If you have a significant amount of debt and have been late on just one monthly payment, it is likely that your credit may be impaired. Furthermore, with this decision you do not reduce your debt to a lower amount than the original balance. Instead you are only converting it from unsecured debt to secured debt. As soon as you consolidate your loan, you have just gone from an unsecured debt to a secured debt and have put your personal assets (e.g. your home, cars, etc�) at huge risk. After consolidation, if you can't fulfil your monthly payments commitments, creditors can come after your personal property - thus creating an even greater problem.
Debt consolidation may be a right choice for those that are not at risk of falling behind on their new consolidation loan and who are disciplined enough not to use the credit cards with zero balances and accessible credit. Nevertheless, if you are having trouble making your monthly repayments, you should consider debt reduction- not debt consolidation. By choosing debt settlement you are dealing directly with the problem- not temporarily escaping from it.

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<4>Bankruptcy

Although bankruptcy is a genuine path to get out of debt, it leaves a long lasting scar that comes at a high price �both financially and emotionally. The financial impact is severe; bankruptcy will stay on your credit report for 7-10 years .You shouldn’t consider bankruptcy as a simple“quick fix” to all of your financial difficulties, but rather as one of the many available solutions you may have according to your individual situation. In October 2005, new congressional legislation made filing for bankruptcy more difficult and cumbersome. A Chapter 13 bankruptcy could result in higher monthly payments and may last longer than an alternative debt resolution program. If you have questions about bankruptcy or are considering it as an option, we advise you to speak directly to an experienced bankruptcy attorney licensed in your State.

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Consumer Credit Counseling

Credit Counseling is one of the most well- known and common decisions for people in search of debt relief. After enrolment, the consumer is required to make a single payment directly to the counselling company. Once the payment has been received, it will be duly forwarded on a monthly basis to each of your enrolled creditors.
The average time-frame of this type of program is usually three to eight years.
The main objective of credit counselling is to reduce the interest rates. It permits consumers to eliminate their debt (often) significantly quicker and the overall payments will be slightly reduced. Thus consumers benefit by combining payments into one single monthly disbursement and manage to keep interest rates relatively low.

Credit counselling can be advantageous if you have the funds to fulfil your monthly commitments and would prefer to make a single payment each month, rather than a payment to each creditor.

If you are considering this option among many others available there are of course downsides to consider. For instance, when enrolled in a credit counselling program, all other credit accounts must be closed. In addition, if you suddenly find yourself in the situation where you need credit during this period, the chance of actually getting credit is not on your side.
Although your credit score will typically not be negatively affected by enrolling in one of these programs, the ability to establish new credit or qualify for a mortgage, auto loan or any other form of credit will be practically impossible.

For consumers that are struggling or unable to meet their minimum monthly obligations, this type of option will not provide any significant relief.

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Debt Settlement Programs

This could be one of the fastest and most effective methods to settle your debt at a lower figure than what you actually owe. Student Loans Escape's "Debt Settlement Programs" could not only settle your debt by up to 40 to 60% of your outstanding balance, but it also may enable you to become debt-free from your enrolled accounts in as little as 12 - 36 months.
The programs are tailored to provide you with just one low monthly repayment and educate you on how to minimize creditor calls. Thus, we can provide you with an option to completely settle your debt in one single 40-60% lump sum payment reduction. One of these options could be the quickest way for you to become debt-free. We will negotiate your balances down to about 40 to 60% LESS than what you currently owe. For instance, via our debt settlement programs, if you owe $40,000 to your creditors, you may be able to reduce your debts by $20,000 or even more. Student Loans Escape �s programs typically charge only 10% of the total debt that you enrol in your settlement program. By means of settlements as low as 40%, upon final agreement, your savings could be as much as 50 cents to the dollar together with our fees. Typically, we negotiate settlements for approximately 45 - 55 cents to the dollar. If you have found yourself wondering where your next minimum payments are going to come from, call today for your free consultation. We're here to help you!

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Student Loan Settlement

Student loan debt settlement can bring significant relief to the lives of former students who struggle to meet their student loan payment obligations each month. Unfortunately, since our economy is not showing any signs of improvement, more and more Americans find themselves unemployed. Not to mention those that have recently graduated and who will likely experience an extra difficult time finding work. If you have more than $10,000 of Private (non-government issued and non- federal insured) student loan debt, we may just have a solution for you.
Student Loan Debt Settlement can bring welcome relief to those who are struggling to make monthly payments on educational loans. In general student loans cannot be dismissed in bankruptcy. At Student Loans Escape we may be able reach some kind of agreement on behalf of both the borrower and the lender. In general, lenders hold the upper hand as to what they will or will not agree to. We DO NOT GUARANTEE a successful settlement. However we will dedicate our professional expertise to reach an agreement with the creditor on your behalf. The agreement may include settling your non federally insured student loan debt for as little as 30%-50%, having fees and penalties waived, interest rates lowered or even allowing the borrower more time to pay off the loan. In some cases, lower interest rates and longer terms can result in lower monthly payments.
Folks, keep in mind Student loans are considered an unsecured debt. This means that there isn�t anything tied to that money other than that you guarantee repayment. With any other type of unsecured debt this can play in your favor, because most creditors are willing to accept something for a loan over nothing at all. In most cases the student loan finance companies will accept payment ONLY in full! What this means is that they will accept the reduced (settled) amount of the original loan balance. Keep in mind that when the offer is made to the finance company you have to be prepared to pay the full settlement amount .

Can you settle your student loan? Yes. It is possible. However it can be difficult. If you follow the payment plan, then in most cases you can pay off your student loans in 10-20 years, without even consolidating them. If you are having problems making the payments, call us for a Free Consultation. We're here to help you!


WE WILL ONLY ATTEMPT TO SETTLE PRIVATE (NON-FEDERALLY INSURED) STUDENT LOANS. YOUR LOANS MUST BE IN DELINQUENT STATUS FOR AT LEAST 6 MONTHS.


Your actual results will vary depending on a variety of factors, including your current balances, how much you can afford to save per month and the amount that your creditors are willing to settle for. We make no guarantee that your debts will be lowered by a specific percentage amount or that you will be �debt-free� within a specific period of time.
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Our Programs Help to Eliminate or Negotiate.

Student Loans

Department Store Cards

Credit Cards

Personal Loans

Business Credit Cards

Business Loans

Business Lines of Credit

Most Collections

Student Loan Consolidation Recommendation: How and Exactly where to Come across the Companies Borrowers Want

Previous to the economy was under this sort of strains, it was comparatively effortless to get a student loan consolidated. Federal loans could be consolidated making use of non-public lenders and there ended up innumerable corporations that provided private student loan consolidation courses. These days, federal loans are controlled exclusively by the federal government and private loan providers have shied absent from presenting consolidation providers for all other student loans. With all the alterations that have occurred in the personal district, borrowers are Student Loan Forgivenesstypically at a reduction for what to do and in which to go with their consolidation expectations. Student loan consolidation guidance is in some cases contradictory, but with sufficient perseverance and investigation borrowers can locate the expert services that will very best in shape their demands.

Federal Student Loan Consolidation Facts

As formerly explained, before just a handful of several years in the past federal loans could be refinanced applying a non-public loan provider. The authorities has a short while ago set an stop to this and now presents two different consolidation applications by using the Increased Schooling Act (H.E.A.): the Federal Household Schooling Loan (F.F.E.L.) and the William D. Ford Federal Immediate Loan (Direct Loans) plans. The F.F.E.L software is normally referred to as the federally assured loan system for college student and the monies are supplied by a variety of economic establishments of which the borrower has his selection of loan companies. The borrower isn't going to have a decision of loan providers in the Student loan consolidation Immediate Loans software given that its monies are provided entirely by the US Treasury through the US Division of Training. Since of the Guaranteeing Keep going Access to Student Loans Act of 2008 (E.Do.A.S.L.A.), consolidating loans originated after Oct 1, 2007 is unprofitable to F.F.E.L loan providers. This has prompted the F.F.E.L application loan providers to end providing consolidation expert services and ahead these loans for student to the Immediate Loans program's consolidation services.

Private Student Loan Consolidation Advice

Because federal government assist and federal loans don't cover all educational money wants, pupils frequently resort to non-public loans to go over the further charges. Upon graduation and whereas in repayment, the borrower should really homework consolidation expert services to advance his money outlook. As a borrower with many student loans, a person ought to glance for a system that presents the subsequent expert services: one. Fixed Interest Costs - this lowers payments in the limited-expression but very long-term outcomes include things like shelling out back a much larger in general sum and spending in excess of a lengthier period of time of time. This can be price the hard work nevertheless if the fixed charge is minimal Student Loans Consolidation enough and merged with other favorable bonuses. two. Relationship Deals - most student loan consolidation organizations also deliver financing in other economic places possessing various accounts with the same exact loan provider usually sales opportunities to savings and bonuses to maintain the borrower loyal. three. Payment Possible choices - a great loan company will offer you deferment and forbearance prospects in the celebration the borrower re-enters college or suffers from certain types of financial crises that will stop him from repaying the loan. These possible choices allow for the borrower's account to keep on being in very good standing when he sets his affairs in buy. Also important to consider is interest-only repayments even though these can be challenging to take care of, this sort of payment helps the interest to be compensated off early so that only the principal continues to be after a specific range of yrs. Following using a personal stock of your individual loans, student loan settlementuse this student loan consolidation guidance to tutorial you as a result of the troubled financial waters that have taken maintain of the US economy. Preserving these hints in brain and hunting for these incentives will ensure that any borrower's consolidation method is swift and painless


First Name
Last Name
Home Phone
Cell Phone
Email
State
Unsecured debt
Days Behind
Type of Debt
Are you Experiencing Financial Hardship?
Yes No

†Estimates are based on historical results and individual results may vary, including the ability to save sufficient funds to complete your program, the creditors in your individual portfolio, and underwriting guidelines. Statements made are examples of past performance, which are not intended to be a guarantee of any future settlement results. When you contact StudentLoansEscape.com we will attempt to understand your situation and determine whether you are qualified for our debt resolution programs. StudentLoansEscape.com assists with unsecured debt only and any use of “debt free” only applies to accounts that are successfully enrolled and upon program completion. While our programs work aggressively to reduce your debt balances, creditors are under no contractual obligation to negotiate or accept settlement offers. Debt reduction percentages do not include program fees; guarantee that your debt balances will be lowered by a specific amount or percentage, or that you will be debt free within a specific time period. However, if at the completion of your debt resolution program your total debt reduction equals less than two (2) times the amount of fees paid, we guarantee to refund a portion of those fees. This refund is calculated so that your fees will never equal more than one-half (1/2) of your total debt reduction. This fee guarantee does not apply to consumers referred to debt resolution programs utilizing attorney-based negotiations. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice and we do not provide credit repair services. Please contact a tax professional to discuss tax consequences of debt settlement. By providing your contact information, you agree to receive return telephone calls, emails or other communications from StudentLoansEscape.com and/or its affiliates and expressly waive any “No Call” preference or registration. Photographs used are not actual clients. Not available in all states. Read and understand all program materials prior to your enrollment.

Copyright © 2011 Debt Escape, Inc. All rights reserved.

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PRIVACY POLICY MAY CHANGE FROM TIME TO TIME. WE ENCOURAGE CHECKING BACK FOR UPDATES.

 

We take responsibilities and your privacy seriously at Debt Escape Inc., ("Debt Escape Inc."). We have a solid commitment to providing first-class service to all our clients and visitors of our Web-site. At Debt Escape Inc. we respect your concerns about privacy. This Privacy Policy divulges how we gather, protect, utilize and share information collected about you on this website. When you use this web-site you unambiguously agree to the terms and conditions of the Privacy Policy in effect at the time of your use. We believe that this disclosure will provide help in increasing your confidence in our site and enhance your overall experience. In order to comply with industry standards and regulations implemented typically by the Federal and State Governments, we accept the following privacy policy.

 

The security of your personal information is very important to us. In an effort to protect your personal information, we use Secure Sockets Layer (SSL) technology with 128 bit encryption. If your browser supports SSL (most current browsers do), it will automatically encrypt the information you provide to us on the secure pages on our site, before sending it over the Internet. This website does not collect personally identifiable information from your computer when you browse this website and request pages from our servers. This means that, unless you voluntarily and knowingly provide us with personally identifiable information, we will not know your name, your email address, or any other personally identifiable information. Personal information such as your name, email address and other details you choose to disclose, are collected when you submit a request for information, a comment, register to receive the newsletter, register for our forums or when you submit personal details for any other reason, e.g. information left within a comment or forum post, etc. Personal information is not collected without your consent.

 

Cookies

 

When you visit our site, we will ask your browser to place a permanent "cookie" (a very small text file) on your computer. If your browser is configured to accept cookies, it will accept the cookie and place it on your computer's hard drive. We collect this information to analyze where our customers are coming from and how often they visit our site. We also collect certain technical information from your computer, like your IP address and the address of a referring web site, if any. This information will allow us to enhance our site to our customer's preferences. This information is used only for the benefit of Debt Escape Inc. and you, our customer.

 

You can visit our site without cookies if you choose to do so. However, please be aware that some features of the site may not function properly or may be slower if you refuse cookies. To visit our site without cookies, you can configure your browser to reject all cookies or to notify you when a cookie is set. Check the browsers help menu to learn how to change your cookie preferences.

 

Log Files

 

As most Web sites, we gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and click stream data.

 

We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users' movements around the site and to gather demographic information about our user base as a whole. We do not link this automatically-collected data to personally identifiable information.

 

Information We Gather and Its Purpose

 

We may collect your personal information if you decide to purchase one of our products or retain our services, participate in our affiliate marketing program, subscribe to our newsletter, complete an application form, participate in one of our surveys or transact other business with us. We need to collect personally identifiable information from you to execute the requested transaction, provide you with a particular service, and/or to further enhance your account. At anytime, we may ask you to voluntarily supply us with additional information needed. We will ask you for information such as, but not limited to: name, current and/or billing address, your e-mail address, telephone number, your Social Security number and certain other personal information, such as your date of birth, address, employment information, and certain credit card and loan account information. We may use your email address to send a confirmation and, if necessary, we might use the other information to contact you for help in processing.

 

In addition, when you provide contact details for transaction requests such as scheduling an appointment or requesting a proposal, we may use the contact information to keep you updated about future offers or promotions unless you opt-out online or otherwise notify us. Under no circumstances will Debt Escape Inc. sell or share your personal information with any person or organization ("third party") except: as authorized by you, our participating lenders, agents, and debt management firms depending on the application you fill out and the information you request.

 

We may also use the information we collect about you in order to, but not limited to: • learn more about your interest in the products or services we offer and provide you with information; • enroll customers who desire our services • open customer files and establish their accounts • provide customer service • negotiate settlement of our customers' debts (according to the terms and conditions of their written agreements) • learn how to improve our products or services • provide opportunities for our affiliates and other companies to inform you about the products or services they offer that may interest you • to share aggregated statistical data with our business partners or for public relations. For example, we may disclose that a specific percentage of our users are between the ages of 25 and 35. This information is not disclosed to third parties.

 

Disclosure of Information to Participating Providers of Services

 

We may disclose a consumer's personally identifiable information in order to effect or carry out any transaction that you have requested of us or as necessary to complete our contractual obligations with you. WE RESERVE THE RIGHT TO SELL, RENT OR TRANSFER YOUR PERSONAL INFORMATION TO our participating providers, as authorized by you, which include: lenders, agents, and debt management firms FOR ANY PURPOSE IN OUR SOLE DISCRETION. We prohibit the sale or transfer of personal information to non-affiliated entities for their use without giving you the opportunity to opt-out (See Opt-Out below). We may share your personally identifiable information with affiliated companies that are directly or indirectly controlled by, or under common control of Debt Escape Inc. We may send personally identifiable information about you to non-affiliated companies that are not directly or indirectly controlled by, or under common control of, Debt Escape Inc. The personal information collected on this site and by participating providers will be used to operate the site and to provide the services or products or carry out the transactions you have requested or authorized. We may change or broaden the use of your personal information at any time. We may use your personal information to provide promotional offers to individuals by means of email advertising, telephone marketing, direct mail marketing, banner advertising, and other possible uses.

 

Choice/Opt-out

 

We provide you the opportunity to 'opt-out' of having your personally identifiable information used for certain purposes, when we ask for this information. For example, if you purchase a product/service but do not wish to receive any additional marketing material from us, you can indicate your preference by emailing or calling us per the information contained on our contact page.

 

If you no longer wish to receive our newsletter, you may opt-out of receiving it by following the instructions included in each newsletter or communication or by emailing or calling us per the information contained on our contact page.

 

Customer Care Contact Information:

 

Debt Escape Inc.

 

Email: customerservice@studentloansescape.com

 

Additional Service Providers

 

We may use affiliates or contractors to provide certain clerical and information processing and shipping services on our site. When you sign up for our services, we will share only as much information as is necessary for the provision of those services.

 

These parties are prohibited from using your personally identifiable information for any other purpose.

 

Securing the Transmission and Storage of Information

 

The security of your personal information is extremely important to us. We employ generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it.

 

Our site uses security technology to protect information you provide to us through the site when entering sensitive information.

 

After information reaches Debt Escape Inc., it is stored on a secure server that resides behind firewalls designed to block unauthorized access from outside of Debt Escape Inc. You can help to maintain the security of your online transactions by not sharing your personal information with anyone. Remember, no method of transmission over the Internet, or method of electronic storage, is 100% secure. (Example: any information you provide us by email is not encrypted) Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

 

Links to Other Sites

 

This Web site may contain links to other sites such as our affiliates which are not owned or controlled by us. Please be aware that this privacy policy only addresses our company's use and disclosure of your information collected on this site.

 

While we try to link only to sites that share our standards and respect for privacy, we are not responsible for the privacy practices of such other sites. We encourage you to be aware when you leave our site and to read the applicable privacy policies and terms of conditions of each and every Web site that collects personally identifiable information.

 

This privacy statement applies only to information collected by this Web site.

 

Co-branded sites

 

We may be co-branded with "partners and affiliates". These business to business relationships are helpful to us and to you as they afford all concerned with greater product and service opportunities. We always provide opt-out opportunities regarding the sharing of your information with such partners and affiliates. Please note the sites linked to our site are governed by their own privacy policies which may or may not reach the standards set by our company.

 

Access to Personally Identifiable Information

 

If your personally identifiable information changes, or if you no longer desire our product or service, you may correct, update, delete or deactivate same by emailing our Customer Care by contacting us by telephone or postal mail at the contact information listed below.

 

Customer Care

 

If you send us correspondence, including e-mails and faxes, we may retain such information in your customer file. Information you give us over the telephone may be noted for your file. We may also keep copies of any correspondence sent to you. We retain these records in order to provide the products and services you have requested and to measure and improve our customer service. We may, over time, delete these records as permitted by law. Phone calls may be recorded or monitored for customer satisfaction purposes.

 

Based upon the personally identifiable information you provide, we may communicate with you to provide the services you request, and to manage your account. We may communicate via email or telephone, in accordance with your wishes.

 

Legal Disclaimer

 

We reserve the right to disclose your personally identifiable information, as required, to comply with the law, applicable regulations, governmental and quasi-governmental requests, judicial proceedings, court orders or subpoenas, to enforce our Legal Notices or other agreements, or to protect our rights, property or safety or the rights, property or safety of our users or others (e.g., to a consumer reporting agency for fraud protection etc.).

 

Business Transitions

 

In the event our company goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred. You will be notified via e-mail and/or a prominent notice on our Web site for 30 days of any such change in ownership or control of your personal information.

 

Changes to this Privacy Statement

 

We reserve the right to modify this privacy statement at any time. We will not jeopardize your privacy. The provisions contained in this privacy statement supersede all previous notices or policies regarding our privacy practices with respect to this site. Any and all changes will be made here, to this privacy statement.

 

We encourage you to check our site frequently to see the current privacy statement to be informed of how we are committed to protecting your information and providing you with improved content on our website in order to enhance your online experience. Upon any material changes to the policy statement, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.

 

Contact Us

 

If you have any questions, comments, complaints or suggestions regarding our privacy policy or our website, please contact us at:

 

Debt Escape Inc.

 

Email: customerservice@studentloansescape.com

 

PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS
Terms of Use

 

Debt Escape Inc. provides "The User" with access to its content, resources, tools for communication, public forums, commerce platforms, and other services through its network of websites, "The Service". Debt Escape Inc. provides its service to the user, subject to the following Terms of Service.

 

Debt Escape Inc. is not responsible for providing you access facilities or equipment (in any form) to its service. You, "The User", also comprehends and concur that "The Service" may include advertisements and sponsorships and that these are necessary for Debt Escape Inc. to provide "The Service". You also comprehend and agree that Debt Escape Inc. makes no submission about the suitability, reliability, availability, timeliness, and accuracy of the information, products, services and related graphics contained within "The Service" for any purpose. "The Service" is provided "as is" without warranty of any kind. Debt Escape Inc. hereby disclaims all warranties and conditions with regard to "The Service".

 

THE SERVICE IS SUBJECT TO THE APPLICIABLE RETAINER AGREEMENTS AND LEGAL DISCLAIMER. ACKNOWLEDGMENT AND ACCEPTANCE OF TERMS OF SERVICE

 

"The Service" is provided to you, "The User", under the terms and conditions and any amendments thereto and any operating rules or policies that may be published from time to time by Debt Escape Inc. as part of the Terms of Service/Legal Disclaimer and related disclosures which are cumulatively included herein by reference. Debt Escape Inc. Terms of Service comprises the entire agreement between "The User" and Debt Escape Inc. and supersedes any prior agreements pertaining to the subject matter contained herein. BY COMPLETING THE REGISTRATION PROCESS AND CLICKING THE "SUBMIT" BUTTON, YOU ARE AGREEING TO BE BOUND BY THE Debt Escape Inc. Terms of Service, Legal Disclaimer and applicable terms of the Retainer Agreement.

 

MODIFICATION OF THESE TERMS OF USE

 

Debt Escape Inc. reserves the right to change any of the terms, conditions, and notices under which "The Services" are offered. You are responsible for regularly reviewing these terms and conditions, including changes/modifications if any incorporated by us from time to time. Your continued use of "The Service" constitutes your agreement to all such terms, conditions, and notices.

 

MODIFICATION TO "THE SERVICE"

 

Debt Escape Inc. reserves the right to modify or discontinue, temporarily or permanently, "The Service" (or any part of "The Service") with or without notice to "The User" at any time and from time to time. "The User" agrees that Debt Escape Inc. shall not be liable to "The User" or any third party for any modification or discontinuance of the Service.

 

USER CONDUCT

 

"The Service" may include e-mail services, message boards, chat areas, newsgroups, forums, communities and/or other message or communication facilities designed to enable you to communicate with others (collectively, "Tools for Communication"). You agree to use the Tools for Communication only to post, send and receive messages and material that are proper and, when applicable, related to the particular tool for Communication. You also hereby agree that you shall not make use of "The Service" for any commercial purpose, including reselling and/or co branding/private labeling.

 

As a condition of your use of "The Service" you, "The User", agree to provide: (a) true, accurate, current and complete information about yourself as required by "The Service's" registration form (such data being the "Registration Information, and Retainer Agreement") (b) maintain and promptly update the Registration Information to keep it accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, Debt Escape Inc. has the right to terminate the user account and refuse any and all current or future use of "The Service". (c) Debt Escape Inc. the right to use / disclose the aggregate registration information to third parties in connection with marketing of services, subject to the privacy policy. You have also consented Debt Escape Inc. the right to use your registration information to provide targeting of advertising and other service offers. This could also be used to customize the content you see, to fulfill your requests for certain products and services and to contact/inform you through e-mail or otherwise about special offers or new products.

 

Usage Obligations

 

As a condition of your use of "The Service" you will not use "The Service" for any illegal purposes. You will be solely responsible for the contents of transmissions made by you through "The Service".

 

You agree not to use "The Service" to: (a) Obstruct or hinder the use and enjoyment of "The Service" by other Users; (b) Violate any applicable local, state, national, and international laws and regulations; (c) Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity; (d) Interfere with or disrupt "The Service" or servers or networks connected to "The Service", or defy any requirements, regulations or guidelines of networks connected to "The Service"; (e) Transmit or otherwise make available any material in connection with surveys, chain letters, junk e-mail, spamming, contests, pyramid schemes, or any duplicative or unsolicited messages (commercial or otherwise); (f) Upload, post, e-mail, transmit or otherwise make available any content that is unlawful, damaging, intimidating, hostile, offensive, harassing, defamatory, improper, obscene, vulgar, invasive of another's privacy, caste related, ethnically or otherwise objectionable; (g) Upload, post, e-mail, transmit or otherwise make available any content protected by any patent, trademark, copyright or other intellectual proprietary laws unless you own or control the rights thereto or have received all necessary consents to do the same; (h) Upload files that contain viruses, worms, corrupted files or any other similar software or programs designed to disrupt, damage or limit the operation of any computer or telecommunications equipment or property of another; (i) "Stalk" or otherwise harass other users; collect or store personal data about other users. (j) Advertise, promote or offer to sell or buy any goods or services for any business purpose unless "The Service" specifically allows such messages or transactions. (k) Reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any portion, use or access of "The Service". (l) Violate the Fair Credit Reporting Act, the Fair Debt Collection Practices Act or any other law, (m) Conduct any activity that would aid or assist terrorism or related activity or would endanger U.S. military personnel.

 

Debt Escape Inc. has no obligation to observe and monitor "The Service". However, Debt Escape Inc. reserves the right to review materials posted and to remove any material/s. Debt Escape Inc. also reserves the right to terminate your access to any or all of "The Services", at any time, without notice, for any reason whatsoever.

 

Debt Escape Inc. reserves the right subject to attorney-client privilege to the extent applicable and to the extent the same is not waived through these provisions, at all times to divulge any information as it considers necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part. These would be more applicable to the publicly accessible areas of "The Service" that are intended to be available to the general public. For example, publicly accessible areas of "The Service" would include message boards and chat rooms that are open to both registered users and visitors.

 

In view of the global nature of the World Wide Web, "The User" understands and agrees that technical processing of tools of communication is (and may be) required to send and receive messages, to correspond/conform to the technical requirements of connecting networks, to correspond/conform to the limitations of "The Service", or to correspond/conform to other, similar technical requirements.

 

User account, password and security

 

As part of "The Service's" registration process you will provide us with current, complete and accurate information as requested by the registration form. You will then choose a user name and password. You take total responsibility for maintaining the confidentiality of your password and account. You are also entirely responsible for any and all activities that occur under your account. You agree to notify Debt Escape Inc. immediately of any unlawful/unauthorized use of your account or any other security violation. You agree to ensure that you exit from your account at the end of each session. You understand that Debt Escape Inc. will not be liable for any loss or damage in any form incurred as a result of unauthorized usage of your account, with or without your knowledge. However, you could be held liable for losses or damages incurred by Debt Escape Inc. or a third party as a result of your failure to comply with this clause. You also agree not to use anyone else's account, at any time, without the prior permission of the account holder.

 

PRIVACY POLICY

 

Registration information and certain other information about you is subject to our Privacy Policy. For more information, see our privacy policy.

 

DISCLAIMER

 

Registration information and certain other information about you are subject to our Disclaimer. For more information, see our Legal Disclaimer.

 

LIMITATION OF LIABILITY

 

You expressly understand and agree that to the extent permitted under the RPC, Debt Escape Inc. shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if Debt Escape Inc. has been advised of the possibility of such damages), resulting from: (i) the use or the inability to use the service; (ii) the cost of procurement of substitute goods and services resulting from any goods, data, information or services purchased or obtained or messages received or transactions entered into through or from the service; (iii) unauthorized access to or alteration of your transmissions or data; (iv) statements or conduct of any third party on the service; or (v) any other matter relating to the service.

 

CONTENT PROVIDED TO THE SERVICE

 

Debt Escape Inc. does not claim ownership of the "content" (in the form of data, text, software, music, sound, photographs, graphics, video, messages or other materials) you provide to Debt Escape Inc. (including feedback and suggestions) or post, upload, privately transmit, input or submit to any Debt Escape Inc. site or service for review by the general public. However, by posting, uploading, or making available content or any other material, you grant Debt Escape Inc. and its affiliate sites permission to use your submission in connection with the operation of their Internet businesses, including, without limitation, the rights to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your submission, and to publish your name in connection with your submission.