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Student Loan Consolidation

You Can Significantly Reduce Your Student Loan Debt

It should come as no surprise that student loans are one of the largest financial issues facing families today. As college tuition continues to skyrocket, Federal Student Loan delinquencies have surpassed credit card delinquencies in the United States. Add the recent job market downturn and millions of graduates find themselves with thousands of dollars in student loans and insufficient income to repay them. Luckily there is help for many people.

There are many Federal Student Loan Consolidation programs available. Student loan consolidation programs can significantly reduce your interest rate and monthly payments, while keeping you on track to repay the loan. Additionally, Income Based Repayment Plans are right for others that find themselves dealing with a severe hardship.

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In 2007, Congress created the Public Student Loan Forgiveness Program to encourage individuals to enter and continue to work full time in public service fields. Federal Student Loan Forgiveness is available through the Department of Education for any individual working in a Public Service career. While this program is not a student loan consolidation program, it can help reduce or eliminate your student loan debt. Below are just a few examples of the many careers that qualify for Federal Student Loan Forgiveness.

Public Health

Military Service

Public Education

Law Enforcement

Do You Want to Consolidate Your Loans and Reduce Your Payments?

Looking for Additional Services?

Every financial situation is different. You may only need one of our services or you may need them all. Below is a list of the additional services that we offer.

Smart Money System™

Is your complete personal financial management tool. With the Smart Money System™ we can create, implement, and manage a custom financial plan for you.

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Personal Bookkeeping

We can help you establish and maintain a monthly household financial strategy that will improve your lifestyle and get you on the right track to smart money for life.

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Credit Repair

Your credit score is very important. We can challenge and remove the negative and incorrect marks on your credit report, increasing your credit score.

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Debt Consolidation

Change your financial future in a big way. With Smart Money Management, you receive solutions and a pinpoint strategy for becoming debt free.

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Client Success

We’ve been with Smart Money Management for about five years. Even though our financial situation has steadily improved we stay with them because they let us focus on making more money, while they deal with paying our bills.

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