A small firm that treats your file like it matters. Because it does.

Federal student loans are one of the most confusing financial products most people will ever deal with. The rules are dense, they change constantly, and the servicers who are supposed to help are often the source of the problem. Meanwhile, the industry that grew up around helping borrowers is full of bad actors who charge for access to programs that are free.

We started in 2016 with a simple idea: be the firm we would want our own family to call. That means telling people the truth, even when the truth is that they can handle something themselves. It means never asking for a password we have no business having. And it means staying with people through the recertifications and servicer errors that come long after the first form is filed.

Since then, our team has guided more than 15,000 borrowers through repayment plans, forgiveness applications, default resolutions, and the occasional impossible-seeming situation. We are proud of that, and we work hard to keep earning it.

Because our own clients kept asking, and because the two problems turned out to be the same problem. Federal student loans are frequently the largest item on a household’s credit report and among the most commonly misreported, particularly after the payment pause ended and a wave of new loan data hit the bureaus at once. We were resolving defaults and then watching the reporting fail to catch up.

Credit repair has the same structural problem our first industry has: it is legal, genuinely useful, and full of companies doing illegal things. Charging before performing the work. Promising to remove accurate information. Selling fake credit identities. Every one of those is prohibited, and every one of those is common.

So we built the second practice the same way we built the first. Nothing due before the work is performed. No promises about outcomes we do not control. And a straight answer when the right advice is to handle it yourself, for free, without us.