Welcome to our Student Loan Solutions Center!

Learn all of your options to reduce or eliminate your student loan debt for only $24.95!.
You could save thousands on student loan debt repayment!

Cambridge Credit Counseling is a non-profit agency specializing in helping borrowers reduce or eliminate their student loan payments. There are many student loan plans available that most borrowers either aren't aware of, or that are too complex to initiate. Our Student Loan Solutions Center will identify all of the repayment programs available to you, based on your unique situation. These plans may include:

Student Loan Solutions Center

Frequently Asked Questions

How does the process work?

Once you fill out our registration form, you will be sent a welcome email that will give you access to the Student Debt Solutions portal. From this point, you can log into the system, enter your information (see "What information do I need to get started?"), and complete your personalized questionnaire. Our system uses advanced machine learning to make sure we're asking precisely the right questions to identify your solutions.

How long does it take to get my action plan?

If you have everything that you need, an average session from start to finish takes about five minutes. Most questionnaires end up being about 20 questions.

How will I get my Student Debt Solutions action plan?

Your action plan, which includes complete details of all of your eligible options as well as complete instructions on how to implement your solutions, is downloadable immediately as a PDF file through the Student Debt Solutions website once you complete your questionnaire. We will also email you a copy of your action plan as a backup.

What information do I need to get started?

All you need to get started with Student Debt Solutions is your most recent household tax return(s) and your loan data. If you have federal loans, you can save your loan data from the National Student Loan Data System. If you have private loans, a recent monthly statement should have everything you need.

How do I download my loan data from the National Student Loan Data System?

In order to download your federal student loan data, or NSLDS file, you will log into the NSLDS system using your FSA ID. This is a user id that you created within the Federal Student Aid system when you took out your loans.

Here are a couple of tutorials that may help:

Where do I get a monthly statement for my private student loans?

Typically, your servicer will send you a monthly statement either via postal mail or, if you have paperless billing, via email. If you can't find one, you can log into your account with your servicer to download a statement.

Is this safe? I am not sure about sharing my information.

We're happy you asked; you should care about the safety of your personal data. We purposely limit our questions to what is commonly referred to as low-impact personally-identifiable information (PII) to minimize any risk to you. No birthdays, social security numbers, or mother's maiden names here. On top of that, our application meets top information security standards. It holds to the National Institute of Standards and Technology (NIST) Special Publication (SP) 800.53 and is Open Web Application Security Project (OWASP) - compliant.

Can't I just spend hours on federal websites and do this all myself for free?

Yes, you can. Get comfortable. There's a lot of information out there. StudentLoans.gov is a good place to get started if you're interested in doing your own research.

Our tool will save you a ton of time that you'd otherwise have to spend researching loan options and loopholes, and it gives you peace of mind that you haven't missed anything. Guaranteed.

Wait. There's a money-back guarantee?

Yes, we have a limited money-back guarantee. In short, so long as the information you provide to us is accurate, we guarantee that you will receive a complete list of all of your eligible federal student loan solutions. Full details are available in our terms and conditions.

Why is it so complicated?

That's a great question. We'd love to have a simpler system to work with. Just looking at federal loans, there are (as of the time we're writing this) 32 loan types, 59 loan status codes, and 10 loan origination date segments that impact solution eligibility. That's nearly 19,000 unique combinations just for federal loans. No matter how much any loan holder or servicer may wish to tell you that it's the case, there is no such thing as a one-size-fits-all solution for student loan repayment.

To put things in perspective, we mentioned above that our average questionnaire includes about 20 questions. In a worst-case scenario, like a default with wage garnishment, there may be about 40 questions. Our total question bank has over 800 questions in it. Our machine learning -driven logic engine is able to determine which questions are relevant to your situation to ensure that (a) we don't miss anything, and (b) we don't waste your time.

Do I need any particular kind of computer or software to use your system?

Student Debt Solutions is a cloud-based system. You can access our website on any computer or device that has an Internet connection and supports the most recent stable versions of Google Chrome, Mozilla Firefox, or Microsoft Edge. When you are finished, a copy of your action plan will be emailed to you as a downloadable PDF file, which can be viewed using the free Adobe Acrobat Reader.

We do recommend gathering anything you may need, such as your NSLDS file, tax return(s), or private loan statement(s), before using our system as third-party systems, including systems operated by the federal government, may not support mobile devices.

I am Canadian / British / etc. Can I use Student Debt Solutions?

Student Debt Solutions only works for U.S. student loans, including both federally-issued and private student loans. You may access the platform abroad via our website, but only U.S. student loan options are assessed.

About Cambridge

Cambridge Credit Counseling is a 501(c)(3) not-for-profit agency, offering a variety of services to help consumers live more financially rewarding and responsible lives. This is accomplished through one of our many services, such as credit counseling & debt management, studentloan counseling, housing counseling, bankruptcy counseling, and personal finance educational initiatives.

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