Getting your student loans back on track is one of the most important steps to achieving financial freedom. However, during this time you also must juggle managing your finances, because L I F E. Defaulting on your student loan debt can mean a bigger balance & a damaged credit score. 40% of student loans are 90 days or more delinquent or in default. If you have defaulted on your loans or are at risk to do so, you may have started noticing

1. United Aid Group Get your
Student Loan Back On Track

2. • Getting your student loans back on track is one of the most important steps
to achieving financial freedom. However, during this time you also must
juggle managing your finances, because L I F E.
• Defaulting on your student loan debt can mean a bigger balance & a
damaged credit score. 40% of student loans are 90 days or more delinquent
or in default. If you have defaulted on your loans or are at risk to do so, you
may have started noticing the following:

3. • Your monthly budget is so tight that one unexpected expense means not
being able to afford necessities.
• Your interest rate or monthly payment has increased, but you were already
struggling to make your payments.
• You’re finding that it’s becoming harder & harder to make your monthly
payments in full & on time.
• You’ve already missed one payment or more.
• The stress & anxiety of your debt has started to affect other areas of your
everyday life.
• Defaulting carries additional consequences that affect your credit score,
possible wage garnishment, loss of Federal tax refund, & even more stress
to your life The good news is, borrowers in default have a few options
available to help get their loans back in good standing

4. Student Loan Rehabilitation
Some key benefits of choosing rehabilitation are removal of student loan
default from your credit report, eliminating additional collection costs &
putting an end to wage garnishment. A great option for borrowers who
can commit to making their payments on time for nine consecutive
months without missing a payment.

6. Student Loan Consolidation

7. • Consolidation out of default allows defaulted borrowers to combine their
defaulted student loans into one reasonable and affordable monthly
payment under Income Driven Repayment programs. Not all defaulted
loans will be eligible for this, so you’ll need to speak with an Advocate to
see if your loans qualify.
• Defaulting on your student loans may seem like an overwhelming situation,
but you have multiple options for getting out of default. Knowing your
options is an important step in getting back on track. You may also find
you’re eligible for complete student loan forgiveness, discharge, or at the
very least, lower monthly payments &/or interest rate as a result of
consolidation. Stop stressing & start saving. Call the United Aid Group
today for help with your Student Loans.

8. Reference Links
• https://uagroup.org/
• https://www.facebook.com/UnitedAidGroup/
• https://uagroup.org/student-loan-forgiveness-
refunds/
• https://www.zoominfo.com/c/united-aid-
group/467380908