We take time to understand you, your goals and future plans. You need a loan repayment strategy that works WITH you, not against your financial goals.
Are you out of school and in repayment?
We can help you make sure you are in the best program for your financial situation. And when changes occur to income, family size, job, etc., we can help you re-set to save money.
Are you still in school and concerned about your repayment options after graduation? We can help you understand which program is best for your financial situation.
Enroll a Service by Sign- in
Confirm the Sign-in and submit Data Collection Form
Agree on importing the client's student loans data from NSLDS
Receive Repayment planning report with recommendations
Schedule a consultation
Replan the repayment plan on the client's request
Enroll(maybe consolidating) the repayment option with Guidances
If you are suffering from a financial hardship, you may be eligible for an Income Based Payment. In this repayment program, you would have a payment based on your income and family size. The payment could be as low as $0.00 per month, with forgiveness at the end of 20-25 years.
View MoreBay Spectrum experts will contact you through email or phone very soon to solve your student loan repayment