★ ★ ★ ★ ★
Everyone at the team had been so professional. My credit score has improved. I appreciate the reminder every month.
FREE ELIGIBILITY CHECK · 5 MINUTES
Apply for Private Student Loan Relief Today
Discover if you qualify to reduce your private student loan payments by up to 50%. No upfront fees, no obligation — just answers in 5 minutes.
- Reduce monthly payments through FDCPA-compliant debt validation
- Results typically within 18–60 months
- Operating in 48 U.S. states since 2015
- Trusted by 29,000+ private student loan borrowers
BBB A+ Accredited
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★ ★ ★ ★ ★ 4.91 / 5
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29,000+ clients served
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AADR member
* Ratings, BBB accreditation and AADR membership belong to our vetted partner provider. Verified on BBB.org.
Quick Answer
Who qualifies for private student loan relief?
You may qualify for private student loan relief if you have private (non-federal) student loans, are a U.S. resident in any of 48 states (excluding South Carolina and Mississippi), and are currently struggling with monthly payments. Private Student Relief, operated by Joco since 2015, connects borrowers with a vetted partner provider that performs FDCPA-compliant debt validation. The free eligibility consultation takes 5 minutes and has no upfront fees.
Eligibility Requirements
Do you qualify?
Transparent eligibility criteria. Most private student loan borrowers in the U.S. qualify for some form of payment relief.
✓ You likely qualify if:
- You have private (non-federal) student loans of $5,000+
- You are a U.S. resident in any of 48 states
- You are currently making monthly payments (or in default)
- Your loans are with servicers like Sallie Mae, Navient, Discover, SoFi, etc.
- You want to reduce your monthly payment burden
× We cannot help if:
- You only have federal student loans (FAFSA, Direct Loans, PLUS)
- You reside in South Carolina or Mississippi (regulatory restrictions)
- Your loans are below $5,000 (not cost-effective for relief programs)
- You are currently in active bankruptcy proceedings
What Happens After You Apply
Your relief journey, step by step
After submitting your eligibility form, here is exactly what to expect — full transparency, no surprises.
01
Within 24 hours
Free specialist consultation
A debt relief specialist will call you to review your loan situation, financial position, and goals. This consultation is free and there is no obligation to proceed.
02
Day 2–7
Eligibility review and plan design
Our specialist verifies your loan details and designs a personalized relief strategy — debt validation, hardship negotiation, or consolidation, depending on what fits your case.
03
Day 7–14
Provider matching
If you decide to proceed, we connect you with our vetted partner provider — a BBB A+ accredited firm with 14+ years of FDCPA-compliant debt validation experience.
04
Month 1–3
Program implementation
The partner provider executes your relief strategy. Most clients see meaningful payment reduction within the first 90 days. You retain full control and can exit at any time.
05
Month 18–60
Full payment relief achieved
The complete program runs 18 to 60 months depending on your loan balance and strategy. Average client reports a payment reduction of up to 50% versus original terms.
Lenders & Servicers
We work with all major private student loan servicers
If your private student loan is with any of these lenders (and many others), you likely qualify for our consulting program.
Sallie Mae
Navient
Discover
SoFi
Earnest
Citizens Bank
Wells Fargo
College Ave
PNC Bank
Laurel Road
Ascent
CommonBond
…and 50+ additional private lenders, credit unions and online servicers nationwide.
Real client reviews
What borrowers say after applying
Verified reviews from clients we referred to our partner provider, sourced from Better Business Bureau.
★ ★ ★ ★ ★
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.
Frequently Asked Questions
Common questions about applying
Answers to the most frequent questions about the eligibility process, what to expect, and how the program works.
Is applying for private student loan relief free?
Yes. The eligibility consultation with Private Student Relief is 100% free with no upfront fees. We do not charge for the initial assessment, plan design, or partner provider matching. Fees only apply to the partner provider's services if you choose to proceed, and those terms are disclosed in advance and only paid as the program delivers results.
How long does the eligibility form take to complete?
The eligibility form takes approximately 5 minutes to complete. It is structured as a 4-step wizard asking about your loan amount, monthly payment, loan type, state of residence, and contact information. After submission, a specialist contacts you within 24 hours during business days (Monday through Saturday, 8am-6pm PST).
What happens after I submit the application?
After submission, you receive an instant email confirmation with your reference ID. Within 24 hours, a specialist calls you to discuss your situation, verify loan details, and explain available relief options. There is no obligation to proceed — the consultation is purely informational and tailored to your specific case.
Will applying affect my credit score?
No. The eligibility check at Private Student Relief is a soft inquiry that does not affect your credit score. We do not pull credit reports during the application. Any credit-related processes during the relief program itself are disclosed and require your explicit consent before being initiated.
Can I apply if my private student loans have a cosigner?
Yes. Private student loans with cosigners are eligible for relief programs. The partner provider handles cosigner situations as part of standard debt validation and negotiation procedures under the Fair Debt Collection Practices Act. The cosigner may also receive notifications depending on the strategy applied.
What if my private student loans are already in default?
You can still apply. In fact, defaulted private student loans often have more relief options through debt validation and hardship negotiation. The partner provider has experience handling accounts in collection, charge-off status, and default. The specialist will explain specific procedures during the free consultation.
Is Private Student Relief a debt settlement company or law firm?
No. Private Student Relief, operated by Joco, is a consulting and matching organization headquartered at 555 Anton Blvd, Suite 368, Costa Mesa, CA 92626. We are not a law firm, debt settlement company, debt consolidation company, or loan provider. We refer eligible borrowers to a vetted partner provider that executes FDCPA-compliant debt validation under its own business credentials.
Why are South Carolina and Mississippi excluded?
Private Student Relief and its partner provider currently do not operate in South Carolina or Mississippi due to specific state regulatory requirements for debt relief services. Residents of these two states cannot be enrolled in our program. We serve the remaining 48 U.S. states plus the District of Columbia.
How much can I reduce my monthly payment?
Clients of our partner provider report payment reductions of up to 50% on average compared to their original terms. Actual results vary based on your specific loan balance, servicer, financial situation, and the relief strategy applied. The specialist will provide a realistic estimate during your free consultation based on your individual case.
Where we operate
Serving borrowers in 48 U.S. states
Based in Costa Mesa, California, helping borrowers nationwide reduce private student loan payments since 2015.
CaliforniaTexasFloridaNew YorkPennsylvaniaIllinoisOhioGeorgiaNorth CarolinaMichiganNew JerseyVirginiaWashingtonArizonaMassachusettsTennesseeIndianaMissouriMarylandWisconsinColoradoMinnesotaAlabamaSouth Dakota+ 24 more
Not available in South Carolina or Mississippi. Headquartered at 555 Anton Blvd, Suite 368, Costa Mesa, CA 92626.
Ready to reduce your payments?
Start your free eligibility check in 5 minutes
Join 29,000+ borrowers who reduced their private student loan payments. No upfront fees, no obligation — just answers.
BBB A+
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★ ★ ★ ★ ★ 4.91/5
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29,000+ clients
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48 states