Thank you — we have your information

What we are P Student Relief, a trade name of JOCO Enterprises LLC, is a consulting and matching organization. We are not a law firm, a lender, a debt collector, or a credit repair organization, and we do not provide legal or tax advice. We are not affiliated with, endorsed by, or acting on behalf of any government agency or program.

How we are paid The consultation and plan are free. We do not collect fees from clients; we are compensated through a referral arrangement with the partner provider. If you enroll, that provider discloses its full fee schedule to you in writing and you contract directly with them.

Results are not guaranteed We make no promise that any specific reduction, settlement, or outcome will be achieved. Results depend on your loan documentation, your servicer, your financial situation, and applicable law. Programs typically run 18 to 60 months. Not all applicants qualify.

Potential consequences Enrolling in a debt program may affect your credit standing. Withholding payments to a lender or servicer can result in late fees, added interest, negative credit reporting, collection activity, or legal action by the creditor. Consider these risks and consult a licensed professional before deciding.

Private loans only We assist with private student loans exclusively. Federal borrowers can access free programs — consolidation, income-driven repayment and forgiveness — directly through the U.S. Department of Education at studentaid.gov at no cost.

Availability Services are available in 48 U.S. states. We do not operate in South Carolina or Mississippi. State law governing debt-related services varies; some options described on this site may not be available where you live.