10 November 2016

Consolidate Credit Cards the Easy Way.

Stack of credit cards with caption. Consolidate and No Credit Check.
Just how easy?

  1. Bring no collateral.
  2. Apply over the phone.
  3. Get approved without a credit check.


What's the secret?

Consolidating the payment instead of trying to consolidate the principle.
You will get the same—[better!]—results with much less hassle.

  • One consolidated payment
  • A drastically lower interest rate
  • Happy creditors and a quiet phone

Why is it better?

One huge reason.

Consolidating the payment results in paying off the debt—because it must. Each payment significantly reduces the principal on each card.  When every card reaches zero the program is complete.  

And VoilĂ .

Your credit card debt is gone.

You will pay less per month.

Take a quick glance at your checkbook. Add up all of your monthly credit card payments.

See that amount?

Your new consolidated payment will be lower—often significantly lower!

Ask us if you qualify.

Simply complete our short contact form.

The next available debt counselor will help you qualify your debt and provide your estimates. Quickly determine your...

  1. Consolidated payment
  2. Fixed Interest Rate
  3. Number of payments
  4. Projected money saved

Let’s make your next payment a consolidated one.

Contact us today!

Debt Shop

Click for the BBB Business Review of this Credit & Debt Counseling in Memphis TN

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06 November 2016

What is Public Service Loan Forgiveness?

Man on Peak at Sunrise pointing to caption ‘the mighty PSLF’.

Evidence that occasionally the government can do something right!  

When it comes to student loan forgiveness, the Public Service Loan Forgiveness Program is in a class by itself.  Three big reasons...

  1. It can erase all of your federal debt.
  2. It’s tax-free forgiveness.
  3. It’s twice as fast as the best income-driven forgiveness plan.

Told you! Sweet, huh?

Student loan forgiveness without limits.

On the day you complete the PSLF program all of your qualifying federal debt will be erased—all of it. That is the promise.  

If you are looking for a way to wipe out a large amount of federal student loan debt. This is it.

There is no limit to the amount of debt that can be forgiven through the PSLF program. It’s that powerful.  

Tax-free student loan forgiveness.

Some people are always in search of the negative. Surely you have heard them already. Crowing all the time about the dangers of student loan forgiveness and the taxman.  

Well PSLF puts a muzzle on it. Any debt forgiven under the Public Service Loan Forgiveness Program is automatically tax free—no matter how much is erased.   

Did we mention PSLF is awesome?

Forgive student loans with a Quickness.

The PAYE—pay as you earn—program is the shortest income-driven forgiveness program. It takes 240 qualifying payments to forgive your student loans using PAYE.

PSLF is twice as fast. 120 qualifying payments and you are done!

Now that’s reasonable. Right?

Who can qualify?

Anyone who can work—that’s who! Some just have an easier path than others. But anyone willing to put on the can-do attitude, can make it happen. You just have to want it—or need it—bad enough.

A 25 percent chance
The cfpb—Consumer Financial Protection Bureau—estimates that 25 percent of workforce is employed by a public service employer.  

That’s approximately 38 million people. You could be one of them and not even realize it.

The other 75 percent
How much debt do you have? If it’s significant then perhaps a second job—or even a lateral move—makes sense.  

The PSLF program has the power to forgive all of your federal debt as well as all the accrued interest. That may be one helluva signing bonus. Right?

Now we are not saying to change jobs! Every situation is completely unique. We are just suggesting that if you are unemployed—or already looking to make a move—then public service organizations should be high on your list.  

Now the not-so-good news.

Like all things federal, PSLF can be confusing.
[That’s probably the understatement of the year—maybe I should restate.]

If PSLF were a toy, it would be a Rubik’s Cube.

[There it is.]

It does not happen by accident. To forgive your loans through the PSLF program, you will need to…

  1. Accumulate 120 Qualifying Payments.
  2. Protect those payments from being erased.
  3. Remain employed at a PSO until PSLF is granted.

Simple but certainly not easy. It can be done but you have to ‘keep your eye on the ball’ or hire someone who will.  

More to come.

We have much more say on this topic. We want to help make PSLF possible for more people. It’s a fantastic program. We are going to do our very best to solve the PSLF cube in the most clear and concise manner possible.

So please bookmark this thread and follow us on social media. New posts coming soon!

Need some help?

Interested in PSLF but not interested in hearing more details? No problem—that’s why we are here. Contact us for a little debt counseling. We can help you quickly determine your best loan forgiveness options.

Share this information!

Do you know anyone else that may need to know this information? Someone with student loan debt that works in public service?

Be a hero and share it with them. Give them some good news today. They will love you for it. Please share now.


Jack Moreh

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