For Sallie Mae borrowers
Struggling With Sallie Mae Student Loan Debt?
If your Sallie Mae payments feel unmanageable, you're not alone. Speak with a counselor about options that may apply to your private student loans. Free, confidential, no obligation.
- Private loans only
- No obligation
- Confidential
Get a free quote
Let's look at your Sallie Mae loan
It takes 30 seconds. The information you provide helps a counselor understand your loan balance, payment, and loan type, so they can determine what options may be available to you. Includes a free quote.
Thanks, we're on it.
A counselor will review what you shared and reach out to walk through your options. You're never required to enroll simply because you requested a consultation.
You're not the only one finding Sallie Mae hard to manage.
Rising variable rates, capitalized interest, and a monthly payment that doesn't seem to shrink the balance are common frustrations among Sallie Mae borrowers.
Private Student Loan Services helps borrowers understand their Sallie Mae loan, explore the strategies that may be available, and figure out what approach fits their circumstances.
It starts with a free consultation.
Common challenges Sallie Mae borrowers face
No two accounts are exactly alike, but these patterns come up often.
Payments that don't add up
Variable interest rates and capitalized interest can make it feel like your balance barely moves, no matter how consistently you pay.
Frequent collection calls
If your loan has been transferred to a servicer or collection agency, frequent calls can add stress on top of an already difficult situation.
No clear end date
Without a plan, it can be hard to see when — or whether — a Sallie Mae balance will actually be paid off.
Options that may help with a Sallie Mae balance
We don't offer refinancing or a new loan. A counselor reviews your Sallie Mae account and explains which strategies, if any, may apply to your situation.
One option a counselor may evaluate is debt validation. Whether it applies depends on your account's status and who currently owns or services it.
Under the Fair Debt Collection Practices Act, borrowers have the right to request validation of a debt. If a debt cannot be properly validated, the collector will be required to stop collection activity.
Depending on your circumstances, a counselor may also discuss a negotiated resolution directly with your servicer, or another strategy that fits your specific account history.
Simple, transparent, free to start
Three straightforward steps to understand what applies to your Sallie Mae account.
You tell us about your loans.
We review your Sallie Mae balance, servicer, and payment history.
You speak with a counselor.
A counselor explains which strategies may apply to your specific Sallie Mae account.
You decide what comes next.
If a strategy fits your situation, we'll explain how it works before you commit to anything.
What Sallie Mae borrowers often ask
Straight answers about Sallie Mae accounts, your rights, and what our services do and don't cover.
Can you reduce what I owe Sallie Mae?
Is this legal?
Will this affect my credit?
How is this different from refinancing or consolidation?
What if Sallie Mae sold my loan to a collection agency?
What does this cost?
Find out what options apply to your Sallie Mae loan.
You don't have to accept an unmanageable Sallie Mae payment without exploring your options. Tell us about your loans and speak with a counselor for free.