We help you get a fresh start on your student loans, at no cost to you.

Student Samaritan is the pioneer in using technology to help student borrowers rehabilitate defaulted student loans in a low-stress way. We help students and their families achieve a better quality of life by bringing their student loans current without the necessity of catching up back payments and by negotiating their student loan payments to fit their financial situation.

Almost immediately, our customers will begin to see a reduction of stress and gain a sense of relief. Within months, many of our customers see improved credit scores and greater stability.

Here are some features of our system:

  • We charge you nothing for the service. “Nothing” means zero up front and zero any time later. You sign no contract and we play no games. It’s natural to be skeptical at first, but all you need to do is read the Who We Are section of our site to understand why we would do such a thing as make our services free.
  • Other outfits may charge you thousands of dollars for the same services that Student Samaritan provides for free. We never ask you to send us any money at all and never ask for access to your bank account, so there’s no way for us to be anything but free.
  • If your student loan is in collection, we stop the constant phone calls from debt collectors whose goal is to annoy and disrupt your life to the point of desperation.
  • As an optional free service, we can help you by negotiating discounted payoffs for all sorts of debts – credit card debt, medical debt, even auto and mortgage loans.
  • Our knowledge allows us to cut through the clutter of dealing with student loan servicers – we talk their language. We understand the Department of Education requirements and procedures for rehabilitation of a delinquent or defaulted federal student loan. We understand the qualifications for hardship forbearance, deferments, and a variety of income based payment plans.
  • We use a patented process to analyze your unique circumstances and challenges. We then communicate with your student loan servicer or assigned student loan collection agency and thus avoid the typical bullying behavior of debt collectors. By gathering all the information needed, we can communicate directly to the loan servicer or assigned debt collector exactly what they need to do. To put it another way, by doing their work for them, we make it hard for them to stall or mess up.

We have a lot of experience helping people out of financial difficulties and we leverage that experience for your benefit. In fact, we’re so good at this process of getting people back on their feet that some states have asked us to help them with setting up programs to provide some of the services we provide to our clients.