Private Student Relief is a consulting organization specializing in private student loan relief. We educate former college students on effective strategies to extinguish their private student loan debts, using debt validation techniques as outlined in the Fair Debt Collection Practices Act Law.
Private Student Relief is a consulting and matching organization operated by Joco, helping private student loan borrowers reduce their monthly payments by up to 50% through FDCPA-compliant strategies — no upfront fees.
* Ratings, BBB accreditation and AADR membership belong to our vetted partner provider. Verified on BBB.org.
Private Student Relief is a consulting and matching organization operated by Joco since 2015, headquartered at 555 Anton Blvd, Suite 368, Costa Mesa, CA 92626. We help former college students reduce their private student loan payments by up to 50% through FDCPA-compliant debt validation, hardship negotiation and consolidation strategies, executed via a vetted partner provider with BBB A+ accreditation since 2016. We have served over 29,000 borrowers across 48 U.S. states — not available in South Carolina or Mississippi.
Private Student Relief was established in 2015 as a consulting and matching organization operated by Joco, a California-based company headquartered in Costa Mesa. Our model was built around a single principle: borrowers facing private student loan debt deserve transparent, FDCPA-compliant guidance — not high-pressure sales or hidden fees.
Over the past decade, the consumer finance industry has seen no shortage of debt resolution firms making promises they couldn't deliver. We designed Private Student Relief differently. Instead of attempting to do everything in-house, we operate as a consulting and matching organization that refers qualified borrowers to a single vetted partner provider with proven track record, BBB A+ accreditation since 2016 and AADR membership.
Today, Private Student Relief has helped over 29,000 borrowers across 48 U.S. states reduce their monthly payments. Our partner provider holds BBB A+ accreditation since 2016 with a 4.91/5 rating across 1,085+ verified customer reviews. Our model has zero upfront fees and the initial consultation takes under 5 minutes.
Real numbers from real borrowers. All figures reflect cumulative results since the company's founding in 2015.
Three core values guide every conversation with every borrower. These are not aspirations — they are operating rules we apply to every case.
Every fee, every timeline and every potential outcome is disclosed in writing before you sign anything. We do not use high-pressure sales tactics, and we explicitly clarify that our partner provider — not Private Student Relief — performs the actual debt validation work.
All relief strategies our partner provider executes are grounded in the Fair Debt Collection Practices Act and applicable federal regulations. We do not promise outcomes that depend on bending or breaking the law.
You retain full control of every decision. We educate borrowers on their options — including options that don't involve our services — so the choice you make is informed, not pressured. You can exit any program at any time.
Every client works directly with a real specialist — not a call center. Our dedicated specialist brings years of experience in debt validation, lender negotiation and consumer finance consulting.
Henry leads client consultation and strategy design at Private Student Relief. He has guided thousands of borrowers through FDCPA-compliant debt validation, hardship negotiation and consolidation strategies. Henry is the dedicated specialist behind our written guides and resources. View LinkedIn profile →
Six concrete differences from typical debt resolution firms. These are operational facts — not marketing claims.
We exclusively help with private student loans — not federal loans, not credit cards, not other debt types. Specialization means deeper expertise.
One specialist works your case from consultation through plan design. No call centers, no rotating reps, no script-driven calls.
The consultation, eligibility check, plan design and provider matching are 100% free. Partner provider fees are performance-based and disclosed in writing.
Every strategy is grounded in the Fair Debt Collection Practices Act and applicable federal consumer protection laws — no gray areas.
We refer all qualified clients to a single vetted partner provider with BBB A+ accreditation since 2016, AADR membership and 14+ years of industry tenure.
Active across 48 U.S. states (excluding South Carolina and Mississippi due to state-specific regulatory requirements). National service, local expertise.
Private Student Relief refers all qualified clients to a single vetted partner provider with proven credentials in FDCPA-compliant debt validation. The provider operates under independent business credentials and is regularly audited for quality and compliance.
BBB accreditation (A+ since 2016), 4.91/5 rating across 1,085+ verified customer reviews, AADR membership and 14+ years of industry tenure belong to our vetted partner provider — an independent firm that performs the FDCPA-compliant debt validation work. Private Student Relief, operated by Joco, is a consulting and matching organization that connects qualified borrowers with this provider; we do not perform debt validation directly. Provider credentials verifiable on BBB.org.
Verified reviews from clients we referred to our partner provider, sourced from Better Business Bureau.
Everyone at the team had been so professional. My credit score has improved. I appreciate the reminder every month.
Everyone has been great. Customer service is the best always there to answer my questions. They are the best in the business. I would highly recommend them to anyone.
I thank god for them, they really helped me out with my credit. Everyone is so nice and kind. Thank you guys for your support.
It has been such a blessing in taking the stress away with their debt relief program!
Reviews shown belong to clients of our vetted partner provider, who holds a BBB A+ accreditation with a 4.91/5 rating across 1,085+ verified customer reviews since 2016. Private Student Relief refers clients to this provider after the initial eligibility consultation.
Direct answers to the most common questions about who we are, how we operate, and what makes our consulting model different.
Private Student Relief was established in 2015 as a consulting and matching organization operated by Joco. Our mission has always been to provide transparent, FDCPA-compliant consulting to private student loan borrowers — without the high-pressure sales tactics and hidden fees common in the industry. Over the past decade we have served over 29,000 borrowers across 48 U.S. states.
Private Student Relief is operated by Joco, headquartered at 555 Anton Blvd, Suite 368, Costa Mesa, CA 92626. We are a consulting and matching organization — not a law firm, debt settlement company, debt consolidation company, or loan provider. We do not assume consumer debt, do not make payments to creditors, and do not provide legal, tax or financial advice.
Debt settlement companies typically negotiate directly with creditors and take a percentage of the settled debt as fee — often charging upfront. We operate differently: we are a consulting organization that helps borrowers understand their options and matches qualified clients with our vetted partner provider, who actually executes the strategy under independent business credentials. There are zero upfront fees, and the initial consultation is free.
We refer all qualified clients to a single vetted partner provider — an independent firm with BBB A+ accreditation since 2016, AADR membership and 14+ years of FDCPA-compliant debt validation experience. The partner provider holds a 4.91/5 rating across 1,085+ verified customer reviews on Better Business Bureau. We selected this provider after due diligence on track record, regulatory compliance and client outcomes. For commercial reasons we don't publish the partner's name on our marketing site, but every matched client is introduced by name and signs directly with the provider.
Since 2015, Private Student Relief has helped over 29,000 borrowers across 48 U.S. states. We have created 33,000+ personalized payment relief plans. Most clients see meaningful payment reduction within 90 days of program start, with full program completion in 18 to 60 months depending on loan balance and strategy applied.
Our vetted partner provider is an active member of the American Association for Debt Resolution (AADR), the leading trade organization for debt relief providers in the United States. AADR membership requires adherence to a code of ethics, regular auditing and ongoing compliance with consumer protection standards. The partner provider also holds BBB A+ accreditation since 2016, which requires similar ongoing compliance reviews.
Private Student Relief is headquartered at 555 Anton Blvd, Suite 368, Costa Mesa, CA 92626. We selected California as our base because of its consumer-protection-friendly regulatory framework for financial consulting firms and the strong concentration of student loan borrowers in the region. Despite being California-based, we serve borrowers in 48 U.S. states (excluding South Carolina and Mississippi).
For general inquiries, you can reach us at info@privatestudentrelief.com. For an eligibility consultation, complete the free 5-minute application at privatestudentrelief.com/apply/ and a specialist will contact you within 24 hours during business hours (Monday through Saturday, 8am–6pm PST). Our mailing address is 555 Anton Blvd, Suite 368, Costa Mesa, CA 92626.
The eligibility check is free, takes 5 minutes, and comes with zero upfront fees. A debt relief specialist will contact you within 24 hours.
