Private student loan questions · Free initial consultation

Contact Private Loan Specialists

Questions about private student loan payments, financial hardship or your next step? Start with a conversation about your situation and the options worth exploring.

Request My Free Consultation Call (800) 251-4115

A consultation does not change loan terms, pause collections or guarantee a result.

Reach out today

Start Your Free Private Student Loan Consultation

Share a few basics about the private student loans you want to discuss. We'll start with the loan type, approximate balance and how payments are affecting you.

You can complete this form even if you don't have every detail in front of you. We'll explain the next steps during your initial conversation.

Prefer to speak by phone?

Call Private Loan Specialists

(800) 251-4115

Listed business hours: Monday–Friday, 8 a.m.–5 p.m.
Saturday and Sunday: Closed.

Business address
555 Anton Blvd., Suite 100
Costa Mesa, CA 92626
Protect your information: Please don't enter Social Security numbers, complete loan-account numbers, account passwords or financial login credentials into this form. Any later document request should specify an appropriate secure method.
Your next step starts here

Tell us what you need help with.

This request goes to Private Loan Specialists through our existing Zoho form processor.

What type of student loans do you have?
U.S. number, including area code

By submitting, you request a call or email from Private Loan Specialists about this inquiry. This is not consent to unrelated automated marketing. Any separate sharing with an independent provider requires applicable notice and permission. Review our Privacy Policy and Terms & Conditions. The initial consultation is free; third-party services may have fees.

No guaranteed outcome. Understand your options before committing.

Prefer to talk, or don't see your balance range? Call (800) 251-4115.
Simple preparation

What to Have Ready for Your Consultation

Approximate information is enough to get started. These details help make the first conversation more useful.

01 / YOUR LOANS

Type and lender

Know whether your loans are private, federal or a combination, plus your lender or servicer if available.

02 / YOUR PAYMENTS

Balance and monthly amount

Have an approximate balance, usual payment and current status, such as current, behind or in collections.

03 / YOUR GOAL

What you'd like to understand

Share what changed and whether you want to explore hardship options, different repayment terms, refinancing or settlement considerations.

Before you contact us

Common Contact Questions

Is the initial consultation free?

Yes. The initial conversation with Private Loan Specialists is free and does not require you to enroll in a program. Any third-party service discussed later may have separate fees and terms.

What if I'm unsure whether my loans are private or federal?

You can explain that during your inquiry. Our service focuses on private student loans; if your loans are federal-only, review official federal repayment information at StudentAid.gov.

Will submitting this form lower or pause my payments?

No. Submitting the form starts an inquiry only. Loan terms, scheduled payments and legal deadlines remain in effect unless the appropriate party formally changes them.

Can I speak with someone instead of completing the form?

Yes. Call (800) 251-4115 during the listed business hours to discuss your private student loan questions.

You don't need every answer before reaching out.

Start with your questions and a few details about your private student loans. We'll help you understand what to review before choosing a service.

Request a Free ConsultationCall (800) 251-4115

Private Loan Specialists provides educational information and a free initial consultation. The full company, referral and service disclosures are available in the site's global footer, Privacy Policy and Terms & Conditions.