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We will provide a complete, in depth picture of your entire student loan situation. We will then analyze and present your options for reducing your student loan balance and monthly payments. For this service we charge $99, with the guarantee that if we are unable to create a plan for you that will reduce your student loan balance and monthly payments, we will refund your $99 investment. If you decide to allow us to help you reduce your student loan balance and monthly payments, the $99 payment will be credited towards any fees you agree to pay us for our services.