Copyright Student Advisors 2016
 

Terms, Conditions & Refund Policy

Student Advisors does not provide legal or tax advice. Please contact an attorney or accountant if you need legal or tax advice, respectively.


YOU MAY CANCEL THIS AGREEMENT, FOR ANY REASON, WITHOUT PENALTY OR OBLIGATION, BY NOTIFYING STUDENT ADVISORS, IN WRITING, WITHIN 5 DAYS FROM THE DATE YOU SIGNED THIS AGREEMENT.

IF YOU CANCEL WITHIN THE REQUIRED TIME FRAME, STUDENT ADVISORS, OR ITS REPRESENTATIVES, WILL RETURN ANY PAYMENT MADE BY YOU UNDER THIS AGREEMENT.

TO CANCEL THIS AGREEMENT, SUBMIT THE “NOTICE OF CANCELLATION RIGHTS” FORM, OR ANY OTHER WRITTEN NOTICE TO THE FOLLOWING
ADDRESS:

Student Advisors
Address: 359 Van Ness Way, 2nd Floor
Torrance, CA 90501
Email: [email protected]

You also may terminate this agreement at any later time, but we may not be required to refund fees you have paid us.


There are occasions when a Student Advisors staff member gathered information over the phone and attempted to help a client apply for a certain Government backed program based on the information collected, yet that Client did not get approved for that program or was approved for a program that was more expensive or less desirable to the Client. In these cases, Student Advisors is more than happy to issue a full refund to the Client.


Student Advisors is a document preparation organization that manages, prepares and processes documents that enable Clients to acquire a Direct Consolidation Loan provided from the U.S. Department of Education or a U.S. Department of Education Servicer, and Student Advisors monitors federal programs for any updates or changes that Client may qualify for and benefit from.


Student Advisors is a private organization and is not endorsed by, associated or affiliated with the U.S. Department of Education or a U.S. Department of Education Servicer, nor is Student Advisors endorsed by, associated or affiliated with any federal, state, or local government agency.


Student Advisors does not create, have, or claim to have any proprietary systems, secrets, special expertise, theories, and competitive advantages that provides Clients any advantage by enrolling and paying Student Advisors for the facilitation of their direct consolidation loan as opposed to going direct to the U.S. Department of Education or a U.S. Department of Education Servicer to prepare their own direct consolidation loan paperwork in a similar fashion on their own behalf for free. Clients can go directly to the U.S. Department of Education or a U.S. Department of Education Servicer on their own for no fees and acquire their own direct consolidation loan if they desire to spend the time to research the options, prepare the various documents, submit the proper documents and stay in compliance. Maintaining contact with the U.S. Department of Education or a U.S. Department of Education Servicer through the life of the loan can be time consuming and this is why many Clients select a third party organization like Student Advisors for assistance.


The Student Advisors staff and representatives have knowledge regarding the Client’s enrolled services and although Student Advisors is not licensed in any manner or with any Jurisdiction, Student Advisors provides general information regarding federal programs offered through the U.S. Department of Education or a U.S. Department of Education Servicer. Examples of these programs are direct consolidation loans, rehabilitation, forbearance, deferment, loan discharge programs, public service loan forgiveness and teacher loan forgiveness.


Potential disadvantages of consolidating federal student loans include paying more in total interest, having a larger total loan repayment amount, extending the loan period (meaning Client will be paying longer), losing borrower benefits from Client’s current lender (i.e. interest rate discounts, rebates), having to repay borrower benefits (i.e. rebates, fee waivers), and acquiring possible prepayment penalties and loss of grace period (if Client consolidates loans during their initial grace period).