Take Control of Your Student Loans
You do not have to figure out consolidation, forgiveness, and repayment plans on your own. We analyze your loans, identify the programs you actually qualify for, and handle the paperwork so nothing gets denied over a technicality.
Prefer to talk now? (800) 418-9878
Stop Feeling Overwhelmed by Debt
The balance never seems to move. The servicer website contradicts the letter you got in the mail. Every article you read says something different about forgiveness. It is exhausting — and it is not your fault. The system is genuinely confusing, and it changes almost every year.
“Am I even on the right plan?”
Most borrowers are enrolled in whatever plan they were defaulted into — not the one that costs them the least.
“I have been paying for years.”
Years of payments mean nothing toward forgiveness if they were made on the wrong plan or to the wrong loan type.
“My application got denied.”
The overwhelming majority of forgiveness denials come from incomplete forms and employment certification errors.
Our Loan Assistance Services
Practical, hands-on help with the parts of the student loan system that cost people the most money when they get them wrong.
Loan Consolidation
We review whether combining your federal loans into a single Direct Consolidation Loan actually helps your situation — and tell you honestly when it does not.
Forgiveness Program Navigation
PSLF, Teacher Loan Forgiveness, and other federal programs have strict qualification rules. We map your employment and payment history against them and file the paperwork correctly.
Income-Driven Repayment Planning
SAVE, PAYE, IBR, ICR — we model what each plan actually costs you month to month and over the life of the loan, then enroll you in the one that fits.
Private Loan Refinancing Guidance
For private debt, we help you compare lenders, understand what you give up by refinancing federal loans, and decide whether the rate is worth it.
Repayment Strategy & Annual Recertification
A written plan you can follow, plus reminders and support for the annual income recertification that trips up most borrowers.
Application Review & Error Correction
Most denials come from paperwork problems, not eligibility problems. We check every form before it goes out and fix what got rejected before.
How Our Process Works
No mystery, no runaround. Here is exactly what happens from the first call to a filed application.
Free Consultation
A no-pressure conversation about your loans, your income, and what you actually want out of the next few years. No sales script, no obligation.
Full Loan Analysis
We pull together your loan types, balances, servicers, and payment history, then run your numbers against every program you may qualify for.
Your Action Plan
You get a written strategy with a clear recommendation, the exact forms required, and a checklist of what to send us. Then we file it and follow through.
Expertise You Can Actually Verify
There is no shortage of companies promising to erase your student debt. Very few of them will show you their credentials, their fee structure, or tell you when you do not need to hire anyone at all. We do all three.
- Credentialed advisors (CFP®, AFC®) who specialize in student debt
- Flat-fee pricing disclosed before you commit — never a share of your balance
- Encrypted client portal for tax returns and loan statements
- Support through annual income recertification, not just the first filing
- Straight answers, including when the free route is your best route
The People Who Will Handle Your Case
You will work with a named consultant from the first call through your final filing — not a rotating call center queue.
Daniel Reyes, CFP®
Founder & Lead Consultant
Fourteen years in financial planning, the last eight focused entirely on student debt. Daniel built SmartLoan Solutions after watching too many borrowers get pushed into plans that cost them thousands more than they needed to pay.
Alicia Grant, AFC®
Senior Loan Strategist
An Accredited Financial Counselor who specializes in PSLF and income-driven repayment. Alicia has walked more than 900 borrowers through federal forgiveness applications.
Marcus Webb
Client Services Director
Marcus manages onboarding and documentation, making sure every file is complete and correctly submitted before it reaches a servicer — and that nothing sits waiting.
Success Stories from Graduates
Real clients, real outcomes. Individual results depend on your loan type, income, and employer — no two cases are identical.
Frequently Asked Questions
The four we hear most. There are more answers on our full FAQ page.
Yes. We provide professional consulting and administrative support to help you navigate the complex federal and private student loan systems. We do not take over your loans or collect payments on your behalf; instead, we empower you with the knowledge and strategy to manage them effectively.
We offer transparent, flat-fee pricing based on the complexity of your situation. We believe in providing value upfront, so we offer an initial consultation to assess your needs before you commit to any services.
No reputable service can guarantee loan forgiveness, as that decision rests solely with the government or your loan servicer. However, we ensure that your applications are accurate, complete, and filed correctly, which significantly maximizes your chances of approval and helps you avoid costly errors.
We specialize in both federal and private student loans. Whether you are looking for income-driven repayment plans, public service loan forgiveness (PSLF), or refinancing options for private debt, we have the expertise to guide you.
Get Started Today
Book a free consultation and find out in one conversation whether you are on the right plan — and what it would take to fix it if you are not.
- (800) 418-9878
- 600 Park Offices Drive
- Mon – Fri, 9:00am – 6:00pm ET