American Student Loan Advocates

Yvonne was great in helping forgive my loansShe was extremely nice and very knowledgeable on how to help with my loansShe found me a good and low payment plan for my federal loansI highly recommend this company if you're looking for help with your federal student loans

My debt consultant is Reema N*** and I must say that she is absolutely wonderfulI just joined the program last night on 7/20/Reema was so patient, so knowledgeableShe was able to answer all my questions so clearly and addressed all my concernsWe were on the phone for so long and it wasn't stressful or frustrating because she has such a welcoming personalityI've discussed this program with other companies and turned it down many times, but Reema helped me realize the long term benefits this program would have on my finances and my creditShe laid everything out for me, was completely honest with everything that I should expect to happen during this program and didn't sugar coat anything feel confident in her expertise and comfortable with her as my debt consolidation counselor

Ty for the help Fabian!
Managing my student loans before ASLA was extremely stressfull, after time I thought I would never have the opportunity to pay off my student loansI managed to reach out to ASLA and explain my situation and pretty much now im here leaving a review for an organization that has helped relieve a major stress in my lifeI could not have have managed this situation on my own and I really appreciate the effort ASLA has achieved with each individual they have helpedSo thank you! I would really recommend reaching out and speaking with one of there repsThanks again!
-Shawn

The professional service the folk provide is unbelievable, Yvonne helped me get recertified and made sure I’m all set for this upcoming yearI’m glad we talked

Fabian was greatHe explained everything so I could understand itHe did it in such a way that I had no questions

Tiffany Christense was of great service to me. She gave me great information about my student loans that I never knew.

Yvonne was absolutely amazing! I was worried that it was a scam and she set my mind at ease! Thank you for everything

To Consumer/Client [redacted],  
We deeply apologize for your experience and the lack of results that we were able to achieve during the time that your loans had been under our care and supervision.  Our Goal is to provide results if not proper communication as a part of our overall...

service program.  Though our results weigh heavily on the cooperation of Servicers and collections companies, ultimately the expectations are where we did not deliver.   IMMEDIATE ACTIONS TAKEN:  American Student Loan Advocates will immediately terminate your agreement and remove any limited power of Attorney that we have on file or have used to work on your behalf.  We will immediately issue your requested $50 refund in the form of a check within 7-10 business days and will send it to your address listed.

They were awesome! From start to finish the process was super easy and quick. They were able to cut my loan payments IN HALF and it is going to make a huge difference in my life. I am so thankful to [redacted] and [redacted] for being so nice and helpful. Highly recommend!

If it wasn't for Danna at American Student Loan Advocates I wouldn't have known that I qualified for Public Service Loan Forgiveness on my loans. I started working as a registered nurse and before I knew it I was getting notices to pay my student loans off. A bill for $50k isn't exactly what you want to see when you start a new job. One of my co-workers referred me to Danna and ever since then I feel like I can actually pay off my loans. There's light at the end of the tunnel and it's pretty awesome!

American Student Loan Advocates has made my life 100% better!!! After all of the run around with my school closing and all of the misinformation that was online, they were professional, knowledgeable and got the job done!! Though i'd rather not have my student loans, i'm sure glad that I found a company that puts my best interests before anything. Thank you so much!!!

Although I was not able to get my loan payment lowered anymore than it currently is, [redacted] was extremely helpful in exploring every avenue for me. She discussed every option they had and even called my fed loan lender while I was on the phone to see what options they could offer me for forbearance or extending the payment plan. I really appreciated all of her help and recommend them.

Review: When I first contacted the company (Feb 17) I was told it takes between 6-9 weeks for the full consolidation of loans. This is now over 6 months later and still the consolidation has not happened. Everytimw I would call the company to ask about the status of the consolidation they acted as if I had no right to even ask. Another problem with this company is everything was always either the lenders fault or mine. I was my fault that I sent over 3 different faxes to the number they provided and they didn't go through even though my companies fax line gets used all the time with no problems. Then is was delayed because the great lakes financial filed the wrong paper work so it got distributed and then returned . Well finally they wanted me to call and make a formal complaint to the Department of Education on Great Lakes however, I decided to call Great Lakes directly and had everything handled in a 10 min conversation. In Addition I was informed that they basically misrepresent themselves to the financial company and myself. American student loan relief tried to explain it to me as if they have a business relationship with great lakes that of (a loan officer with a bank) and with talking to Great Lakes they said American student relief acts as if they are me when speaking with them. Which I am pretty sure is illegal . And the final complaint about American student loan relief is when I first spoke to th they set up payments for them and it was 3 installment which they said they do not take out until the work is done in April they took out the last payment and yet definelty the work had not been done or is it now ..

From them I would think they would give a complete refund for their services because it has not been completed as of yet and when it does get completed it would have not been in a agreed timely matter. Which to me would be in breach of their verbal contract over the phone .Desired Settlement: The desired out come of this complaint is for the company to give me a refund because as I stated I feel that they have breeched their verbal contract with the time that it has taken to complete this process especially because it was 4 months late. I also think people should know about their business practices!

Business

Response:

To Client

Please excuse the

timeframe in which we are responding to Client complaint. Though we as a

corporation do not recognize the Revdex.com as a government agency

performing consumer protection services, we do respect Client rights to seek

assistance from 3rd parties where necessary and needed. We have taken a

look at Client specific issues regarding Client service agreement with us and

we would like to address them as follows:

Client contacted

American student Loan Relief on 2/10/2015 at 2:30pm PST and spoke with one of

our Federal Repayment Program Advisors. The nature of this conversation

included Client current student Loan situation, Client goals in regards to the

outcome of these loans as well as Client personal financial situation.

The result of this conversation was Client interest in having American

Student Loan Relief process and submit applications for Federal Repayment

Applications on Client behalf. The specifics of this application

were to request a consolidation of all Federal student loans whether current or

in default. A formal service agreement

was sent to Client on 2/13/2015, was signed electronically and was returned to

us at 2:07pm PST. This agreement included specific details as to the

processes used, details no guarantees and provides several protections to Client

which included a 72 hour cancellation policy. Additionally, the promise

of completing work prior to receiving payment for services rendered was in fact

clearly stated in our agreement. We do not charge advance fees and only

charge as the stages in the process are completed. In Client case, Stage

one (1) only required collection of documents and placing Client on a deferment

or forbearance if applicable. In this scenario placing loans on a forbearance

was not "Applicable" since Client

some or all of Client loans were in default status and because the Complete submission of Client documents

were to be fully submitted to the Department of Education on 2/16/2015.

All work had by the end of business on 2/16/2015 been completed as per

the service agreement and a confirmation email was sent to Client at that time

detailing the process. All documents

required for proper submission to the Department of Education had been filled out

and submitted on behalf of the client as requested through the signed service

agreement and the Limited power of attorney. Within days, American Student Loan Relief prepared and submitted all required Applications to the Department of Education on Clients behalf at clients request, thus completing in full the original requested service. Any subsequent work performed during this process was not assessed at an additional cost to client and all attempts to correct issues were made.

Shortly

after submission, communication was received from Clients current servicer stating:

“[redacted] You have loans that

aren't eligible for consolidation because they're in default and you haven't

made satisfactory arrangements to repay them with your current servicer(s).

However, a few simple steps on your part could make them eligible. Defaulted loans can be made eligible for

consolidation only if you agree to repay your Direct Consolidation loan under

an income-based repayment plan. Please complete an application by to see if you

qualify. If you do nothing, your

defaulted loans remain ineligible, and we'll move forward with processing the

other loans you've requested to consolidate. If none of your other loans are

eligible, we're required to cancel your application. You can apply for an Income-Based Repayment

(IBR) plan even if you have no income. Check the box on the application stating

that you have no income. If you have no income, you may have a $0.00 payment

with an IBR plan. You can always pay more than the minimum payment if you are

able to.”

Upon receiving this our processor quickly

requested additional required documentation from the client and Submitted a new

application on the clients behalf. On 5/6 the client was sent communication as

to the current status of the process. Any

delays in the processing were due to back and forth regarding prior years tax

returns, extensions etc at the servicers request.

Regarding Timeline for

completion:

The initial discussion

and verbal communication relating to the expected timeline was correct based on

our processes. However, American Student

Loan Relief has no control of outside sources or their workflow time schedule

(E.G. Department of Education) As an

expectation and protection we clearly detail this in our service agreement that

was signed electronically by the client.

Regarding Communication

on client’s behalf –

As a part of our

service, communication on clients behalf was granted through a limited power of

attorney. Utilization of Great Lakes

Online Account system was utilized in order to communicate clients information and

status updates.

In summary –

Our goal is client

satisfaction each and every time, however, we understand that challenges

present themselves occaisionally. We do

feel that our communication with the client was sufficient and as often as we

received updates. We diligently followed

up with the client and on the client’s behalf.

Though the client was initially quoted a program that was later denied

by Great Lakes, this was to be considered a soft quote and was an approved

program as stated by StudentLoans.gov.

American Student Loan Relief had no reason to believe that the quote and

program provided was not true and accurate as it is a Department of Education

system and information used clients provided information. Once denied we quickly responded and moved to

provide a solution for the client. It is

understandable that the timeframe was a major issue for American Student Loan

Relief as well as the client , however, much of this was out of our control and

we could merely respond to requests in a timely fashion.

As per our service

agreement, we completed all aspects of the services as promptly as

possible. At the time of the clients

call to great lakes there was absolutely nothing further to do in order to

expedite this process. Clients loans

were waiting for disbursement.

Resolution: As a show of good faith if client wishes, American

Student Loan Relief shall at no cost process client’s 1 x annual

recertification for Federal Repayment Applications ($499) Value. Client must Communicate with our processing

team directly and should notify us if Client wishes to use our services. Client will be required to Request the

re-certification no later than 10 months from the start of the new Federal

Repayment Program Start date. (A copy of Electronically signed Client Service Agreement is on file and may be provided at Clients request)

If it wasn't for Danna at American Student Loan Advocates I wouldn't have known that I qualified for Public Service Loan Forgiveness on my loans. I started working as a registered nurse and before I knew it I was getting notices to pay my student loans off. A bill for $50k isn't exactly what you want to see when you start a new job. One of my co-workers referred me to Danna and ever since then I feel like I can actually pay off my loans. There's light at the end of the tunnel and it's pretty awesome!

I recently sought services with American Student Loan Relief and have been thoroughly pleased with the advice and relief given.

American Student Loan Relief helped me in a dark time. After finishing school I had trouble finding a job, contrary to what the commercials say. I wasn't able to afford my loan payments, car, and apartment that I needed to keep partial custody of my kid, and my roommate was getting sick of my late rent. Luckily, the people at American Student Loan Relief helped me lower my payments to nearly nothing and even let me pay for their services in 4 monthly payments much lower than my student loan payments! I can't believe how easy it was for them to get my life back on track and every person that I talked to there as nice, patient, and seemed to really care about me. I referred my friend from school and she says she is happy with them too! I heard a lot of these companies are sheisty, but this one is legit and great.

Although I was not able to get my loan payment lowered anymore than it currently is, [redacted] was extremely helpful in exploring every avenue for me. She discussed every option they had and even called my fed loan lender while I was on the phone to see what options they could offer me for forbearance or extending the payment plan. I really appreciated all of her help and recommend them.