This web site is for informational purposes only. It is not intended to provide legal advice or be a substitute for legal advice. We try to provide quality information, but we make no claims, promises or guarantees about the accuracy, completeness, or adequacy of the information contained on this web site or the results that you may achieve when you use our services. We provide administrative services as they relate to the validation of the debts you may or may not owe. This process should only be used in the event of legitimate financial hardship. We do not assume your loans, offer new loans, or pay off your current loans. If you have sufficient income to reduce your debt load the ordinary way (by reducing the balances with payments in excess of the minimums), then you should definitely do so.