Terms and Conditions

We are a private company not affiliated with the Department of Education. You may, of course, try to complete your applications and consolidate your student loans yourself without paying anyone a fee – the results could be the very same or they might vary. However, our services are private and focused; we wade through all your paperwork and the DOE websites and applications, finding the documents that you need. We will work in the best interest of our clients, who in many cases are stuck with their lender not offering legitimate help. In most cases, we are successful in assisting borrowers in entering into various programs where their lenders had previously denied them based on illegitimate reasons. For these reasons, we charge a fee.

Fee and Payment Schedule/Information

Fees that the Client Pays

The payment for Company’s services relating to the student loan assistance application, document preparation and coaching, allowing our Clients to deliver the prepared documents and talk directly to the DOE, are included in this fee in the first year. Up to an additional 2 Years of document preparation allow our Clients to successfully re-enroll each year, may be included at no cost to you IF you pay your fees on time according to the schedule, continue to work with the processing center and provide the information requested by the processing center in a timely fashion.

Payment Schedule

The payment of $1377 for Company’s services relating to the student loan assistance applications, their preparation, delivery to Client and ongoing support are described in each Client's Fee Schedule.

Client should review this Fee Schedule carefully which sets fees that the Client will be charged. The fees shall be debited from Client’s bank account or charged on Client’s credit/debit card pursuant to the attached authorization form being completed.

Refund Policy

IntegraStudent Services LLC (“Company”) begins to provide its services to you beginning the moment that you sign these agreements.

The Department of Education (“DOE”) TYPICALLY can approve your program within 48 hours of your submission of the prepared documentation. The completion of that approval is contingent upon you providing the necessary information requested by the Department of Education.

It can take up to 90 days for the DOE fully complete its consolidation of your Federal Loans. Because of this, we provide a 100% refund policy during this first 90 day period. Please be advised however, that upon completion of the DOE enrollment of services that we have provided to you, your refund period will end. At this point our services have been completed for the first year and you have now entered into the "Complimentary Period".

In the event that the DOE were to turn down your initial (First Year) Loan Consolidation Application, IntegraStudent Services LLC will immediately cause to return any and all funds collected from you.

If you have chosen to begin your payment schedule before DOE completion of documentation, please be advised that your payments will be forwarded to a trust account and held until such time that the DOE completes your enrollment.

Special Circumstances. It is important to IntegraStudent Services that we treat all of our clients fairly and apply the same Refund Policies to everyone. There may from time to time occur a "Special Circumstance". In order to be considered for a "Special Circumstance Refund, you must apply for a "Special Circumstances Consideration". In order to do this, Please call 844-856-1670 and ask to speak to the "Refund Team Manager". Please be aware: Other than a DOE turn down determination or Very Special Circumstances, very few refunds will be considered. NO FIRST YEAR FUNDS WILL BE CONSIDERED FOR REFUND AFTER THE INITIAL COMPLETION OF SERVICES.

Additional FREE 2 Years. Because we provide our services upfront, and the fulfillment of those services is contingent upon the Department of Education approval and completion, you hereby agree to the following:


The $1377 fee was paid relating to the student loan assistance application, its preparation of the documentation and coaching allowing our Clients to successfully subit and talk directly to the DOE, and is not to be construed as a pro ration of fees or as an installment of fees. An additional 2 Years of document preparation allowing you to re-enroll yourself is included at no cost to you as an incentive to pay your fees on time without interruption or any notices to us of non-sufficient funds. You must follow the original schedule of payment dates in order to receive your 2 Years of re-enrollment

Indemnification and Hold Harmless

Client hereby agrees to defend and hold harmless Company from and against any claims and liability of any nature whatsoever arising out of or in connection with Client’s failure to timely provide requested information to Company, Client’s lack of authority or ability to complete terms of this Agreement, and all other claims arising out of this Agreement or relating to Client’s loans and other financial obligations. This Agreement constitutes the entire agreement between the parties. Company makes no warranty, express or implied, as to the fitness of any recommendation it may make to Client arising out of this Agreement. Except for cause, Client unconditionally waives any right of action against Company, its officers, directors, employees, agents, brokers and assignees, at law, equity or any other cause of action for any reason, directly, indirectly or proximately believed to arise out of this Agreement, for any damages of any nature whatsoever that Client may incur by reason of Client following any recommendation of Company or Client’s failure to follow any recommendation of Company, whether any singular, concurrent or series of recommendations are acted upon or not acted upon in whole or in part by Client. Client understands that Company is solely a document preparer and education provider. Company shall never act as a legal intermediary between Client and any creditor not limited to the DOE. This section shall survive any termination of this Agreement.

Important Limitation on Consumer Rights- Mandatory Arbitration Requirement- Please read carefully

In the event of any controversy, claim or dispute between the parties arising out of or relating to this agreement or the breach, termination, enforcement, interpretation, conscionability or validity thereof, including any determination of the scope or applicability of this agreement to arbitrate, shall be determined by arbitration in Salt lake County, Utah or in the county in which the consumer resides, in accordance with the Laws of the State of Utah for agreements to be made in and to be performed in Utah. The parties agree that the arbitration shall be administered by the American Arbitration Association ("AAA") pursuant to its rules and procedures and an arbitrator shall be selected by the AAA. The arbitrator shall be neutral and independent and shall comply with the AAA code of ethics. The award rendered by the arbitrator shall be final and shall not be subject to vacation or modification. Judgment on the award made by the arbitrator may be entered in any court having jurisdiction over the parties. If either party fails to comply with the arbitrator's award, the injured party may petition the circuit court for enforcement. The parties agree that either party may bring claims against the other only in his/her or its individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. Further, the parties agree that the arbitrator may not consolidate proceedings of more than one person's claims, and may not otherwise preside over any form of representative or class proceeding. The parties shall share the cost (not attorneys’ fees) of arbitration equally. In the event a party fails to proceed with arbitration, unsuccessfully challenges the arbitrator's award, or fails to comply with the arbitrator's award, the other party is entitled to costs of suit, including a reasonable attorney's fee for having to compel arbitration or defend or enforce the award. Binding Arbitration means that both parties give up the right to a trial by a jury. It also means that both parties give up the right to appeal from the arbitrator’s ruling except for a narrow range of issues that can or may be appealed. It also means that discovery may be severely limited by the arbitrator. This section and the arbitration requirement shall survive any termination.

Important Disclosure

You may, of course, try to complete your applications and consolidate your loans yourself without paying anyone a fee – the results could be the very same or they might vary. However, our services are private and focused; we wade through all your paperwork and the DOE websites and applications, finding the documents that you need.

Entire Agreement

By virtue of Client’s signature below, Client acknowledges that he/she has read, understands and agrees to every term, covenant and condition of this Agreement without change or modification and that he/she has received a true and complete copy hereof, effective on the date below. This Agreement is the only Agreement between the parties and there is no other collateral agreement (oral or written) between the parties in any manner relating to the subject matter of this agreement. If any portion of this agreement is held to be invalid or unenforceable, the remaining provisions will remain in effect. It is the parties express intent that the Arbitration Section of this Agreement be the preferred and sole method for resolving all disputes and claims between the parties. The parties mutually understand and agree that a facsimile copy signature or an electronic signature on this agreement shall be deemed an original for all lawfully enforceable purposes.

Limitations on Damages

Liability under this Agreement and/or relating directly or indirectly to Client’s participation in any government loan or relief program, under any theory of liability regarding any claim by the Client is limited to the amount of fees paid by Client and received by Company. The Parties agree to be contractually bound to such limitation on any damages, and agree not to demand or attempt to recover any amount in excess of such. This section shall survive any termination

Information Authorization

Client hereby authorizes Company to verify past and present employment earnings records and any other asset balances that are needed to process my application request(s). Importantly, Company does not provide any form of credit repair, credit score enhancement, unsecured or secured debt relief, or legal or tax advice, so any information obtained by Company can’t be used for those purposes.

Electronic and Voice Communication Consent

Client consents to do business electronically with Company. Client understands that electronic transactions, not limited to emails, are inherently unsecure and that both Client and Company will take all reasonable steps to maintain the Privacy of the information shared between the parties. Client consents to receive information and documents relating to this Agreement and Company services via electronic mail, text message, facsimile, voicemail, and any other common electronic means. Client understands that all costs associated with the receipt, review and use of such electronic communications shall be those of Client, such as maintaining access to the Internet or paying for text messages. Client consents to receive updates and documents relating to this Agreement and the services and programs offered by Company via prerecorded voice messages, text/SMS messages, and/or through the use of an automated dialing system. Client may contact Company at any time to opt-out of receiving updates, new programs or offers through prerecorded or autodialed messages.

Servicing Rights

Client understands that Company may use a third party to assist in processing duties pursuant to this Agreement. Company may unilaterally assign, transfer and/or sell the servicing, processing and/or receivables relating to this Agreement to an independent provider. In the event of a partial or complete transfer, the terms and obligations of this Agreement shall remain in full force and effect.

Our Address

Write to us or CALL US at 844-856-1670
for a free consultation.