P Student Relief, a trade name of JOCO Enterprises LLC, is a consulting and matching organization. We explain what debt validation under the Fair Debt Collection Practices Act actually involves, which options realistically apply to your loans, and which ones do not. No upfront fees.
P Student Relief is a consulting and matching organization operating since 2016 from 555 Anton Blvd, Suite 368, Costa Mesa, CA 92626. We help former college students understand their private student loan options — chiefly debt validation, a right borrowers hold under the Fair Debt Collection Practices Act — and we introduce qualified clients to an independent partner provider who performs that work. We are not a law firm, a lender, a debt collector or a credit repair organization, and we are not affiliated with any government program. We operate across 48 U.S. states. Not available in South Carolina or Mississippi.
P Student Relief was established in 2016 in Costa Mesa, California, around a single premise: people facing private student loan debt deserve guidance grounded in what federal law actually says, not a sales pitch with a number attached to it.
Private student loans are the part of the student debt problem nobody handles well. They are excluded from federal forgiveness, from income-driven repayment, from every program borrowers hear about on the news. What is left are rights under consumer law and whatever a lender is willing to consider — and telling those two apart is most of the work.
We chose not to do everything in-house. Instead of running the validation process ourselves, we operate as a consulting and matching organization: we review your situation, explain your options honestly, and introduce qualified clients to a single independent partner provider with a verifiable track record. They perform the work under their own credentials, and you contract directly with them.
We operate across 48 U.S. states. There are no upfront fees, the consultation takes about five minutes to request, and we are paid through a referral arrangement with the provider rather than by you — something worth knowing when you weigh what we recommend.
Facts about how we operate. We do not publish client counts or success rates, because neither tells you anything about your own case.
Three rules we apply to every case. Not aspirations — operating constraints.
Every cost, every timeline and every risk is disclosed in writing before you sign anything. We say plainly that our partner provider — not P Student Relief — performs the debt validation work, and that we are compensated through a referral arrangement with them.
Everything we explain is grounded in the Fair Debt Collection Practices Act and related consumer protection statutes. We do not promise outcomes, and we do not describe rights as if they were leverage we invented.
You keep control of every choice. We explain the options that exist — including the ones that do not involve us at all, and the cases where doing nothing is the better call. You can leave any program at any time.
Six operational facts about how we work. Verify any of them before you decide.
We work exclusively with private student loans — not federal loans, not credit cards, not other debt. Federal borrowers can access free programs directly at studentaid.gov, and we tell them so.
The same advisor handles your case from the first call through the plan. No rotating reps, no script-driven calls, no handoffs mid-conversation.
The consultation, the eligibility review, the plan and the introduction cost nothing. The provider's fees appear in writing before you sign, and you contract directly with them.
Debt validation is a right under the FDCPA, not a trick. Exercising it does not by itself eliminate or reduce a valid debt, and we say so up front rather than after you sign.
We refer qualified clients to one independent firm, and Every credential we cite links to their public profile.
We operate across 48 U.S. states. South Carolina and Mississippi are excluded because of state licensing requirements for debt-related services, and the eligibility form tells you before you finish.
Direct answers about who we are, how we operate and how we are paid.
P Student Relief was established in 2016 as a consulting and matching organization. The premise has not changed since: transparent guidance grounded in what federal consumer law actually provides, without the high-pressure sales tactics and hidden fees common in this industry. We operate across 48 U.S. states.
We are a consulting and matching organization headquartered at 555 Anton Blvd, Suite 368, Costa Mesa, CA 92626. We are not a law firm, a debt settlement company, a consolidation company, a lender, a debt collector or a credit repair organization, and we are not affiliated with, endorsed by, or acting on behalf of any government agency or program. We do not assume consumer debt, we do not make payments to creditors, and we do not provide legal, tax or financial advice.
Debt settlement companies negotiate directly with creditors and take a percentage of the settled debt as their fee. We do not negotiate anything and we do not collect fees from clients. We explain your options, and if the situation fits, we introduce you to an independent provider who does the work under their own credentials and discloses their fees to you in writing. Whether that is the right path for you depends entirely on your case.
Not from you. The consultation, the eligibility review, the action plan and the introduction to the provider are free. We are compensated through a referral arrangement with the partner provider. That arrangement is why the consultation can be free, and it is also a reason to weigh our recommendation with that context in mind — which is why we state it here rather than burying it.
We do not publish client counts, because a headline number tells you nothing about your own case. What comes of any individual case depends on that borrower's loan documentation, their servicer and their circumstances, and no particular outcome is promised in advance.
Write to info@pstudentrelief.com, or complete the free five-minute eligibility form at pstudentrelief.com/apply/ and a specialist will contact you within 24 hours during business hours, Monday through Saturday, 8am to 6pm PST. Our address is 555 Anton Blvd, Suite 368, Costa Mesa, CA 92626.
The eligibility check is free, takes five minutes and carries no upfront fees. A specialist contacts you within 24 hours and tells you plainly what fits your situation and what does not.
Debt validation refers to a consumer right under the Fair Debt Collection Practices Act (15 U.S.C. § 1692g); exercising it does not by itself eliminate or reduce a valid debt. Customer experiences vary and do not predict future outcomes. P Student Relief is a trade name of JOCO Enterprises LLC, 555 Anton Blvd, Suite 368, Costa Mesa, CA 92626.