Answer five questions and a specialist calls you within 24 business hours to review your loans and explain which options realistically apply — and which do not. No upfront fees, no obligation.
You can apply if you hold private (non-federal) student loans, reside in one of the 48 U.S. states we serve (South Carolina and Mississippi are excluded), and your combined private balance is $5,000 or more. P Student Relief has operated since 2016 as a consulting and matching organization: we review your situation and, if it fits, introduce you to a vetted partner provider that performs FDCPA-compliant debt validation. The eligibility consultation takes five minutes, costs nothing, and carries no upfront fees. Whether any particular option helps you depends on your loan documentation, your servicer and your circumstances.
Transparent criteria, stated up front. If you do not qualify, we tell you on the first call rather than after you have signed anything.
Full transparency on the process. Nothing moves forward until you review and approve it.
A specialist calls to review your loans, your situation and what you are trying to achieve. The call is free and there is no obligation to continue afterwards.
Your advisor verifies your loan details and outlines an approach — debt validation, lender hardship program guidance, or consolidation — along with the expected costs and program length. You review it before anything happens.
If you decide to proceed, we introduce you to our vetted partner provider: an independent firm You sign directly with them and they disclose their fees to you in writing beforehand.
The provider carries out the approach you approved and reports progress to you. You keep control throughout and can leave the program at any time.
Program length depends on your balance, your servicer and the documentation in your case. Individual outcomes vary and no particular result is promised in advance. Leaving early may affect whatever has been achieved up to that point.
The eligibility process, what to expect, and how the program actually works.
Yes. The eligibility consultation, the assessment, the action plan and the introduction to the partner provider all cost nothing and carry no upfront fee. If you choose to enroll, the provider's fees are disclosed to you in writing before you sign, and you contract directly with that provider. P Student Relief does not collect fees from clients; we are compensated through a referral arrangement with the provider — worth knowing when you weigh our recommendation.
About five minutes. It is a four-step wizard covering your loan balance, monthly payment, loan type, state of residence and contact details. After you submit, a specialist contacts you within 24 business hours, Monday through Saturday, 8am to 6pm Pacific.
You receive an email confirmation with a reference ID. Within 24 business hours a specialist calls to review your situation, verify your loan details and explain which options apply to your case. There is no obligation to continue — the consultation is informational.
No. The eligibility check involves no credit pull and does not affect your score. Later in the process, any credit-related step is disclosed and requires your explicit consent first. Be aware that enrolling in a debt program itself may affect your credit standing — your advisor should walk you through that during the free consultation.
Yes. Private loans with a cosigner are eligible. Cosigner situations change how a case is handled, and the cosigner may receive notifications depending on the approach taken. Tell the specialist about the cosigner on the first call so it is factored in from the start.
You can still apply. Once an account has been sold to a third-party collector, FDCPA protections apply fully — which is precisely the context where debt validation is most relevant. The partner provider has experience with accounts in collection, charge-off and default. The specialist will explain what that means for your specific case.
No. We are a consulting and matching organization headquartered at 555 Anton Blvd, Suite 368, Costa Mesa, CA 92626, operating since 2016. We are not a law firm, debt settlement company, consolidation company, lender or debt collector, and we are not affiliated with any government agency or program. We refer eligible borrowers to a vetted partner provider that performs FDCPA-compliant debt validation under its own business credentials.
Neither P Student Relief nor the partner provider operates in those two states, because of state licensing requirements for debt-related services. Residents of South Carolina or Mississippi cannot enroll, and the form will tell you so before you finish. We serve the remaining 48 states.
That depends entirely on your case, and anyone who gives you a number before reviewing your file is guessing. What comes of any particular approach rests on your loan documentation, your servicer, your financial situation and applicable law. No specific reduction, settlement or outcome is promised, and not all applicants qualify. What we can tell you up front: the consultation is free, programs typically run 18 to 60 months, and the specialist will give you an honest read on your situation — including when nothing we offer would help you.
Based in Costa Mesa, California, advising private student loan borrowers nationwide since 2016.
Not available in South Carolina or Mississippi. 555 Anton Blvd, Suite 368, Costa Mesa, CA 92626.
No cost, no obligation, no upfront fees. A specialist reviews your loans and tells you plainly what applies to 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.