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	<h3>Do you need help repaying student loans?<br />We provide a customized repayment planning services to save money on your student loans.</h3>
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        <div class="extra-wrap"><h4><a href="/index.php?route=information/information&information_id=19#01">Repayment Plan</a></h4></div>
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        <div class="extra-wrap"><h4><a href="index.php?route=information/information&information_id=19#02">Key Planning Features</h4></a></div>
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        <div class="extra-wrap"><h4><a href="index.php?route=information/information&information_id=19#03">Student Loan Planning Sample</h4></a></div>
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        <div class="extra-wrap"><h4><a href="index.php?route=information/information&information_id=19#04">How It Works</h4></a></div>
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        <div class="extra-wrap"><h4><a href="index.php?route=information/information&information_id=19#05">Income Based Repayment</h4></a></div>
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        <div class="extra-wrap"><h4><a href="index.php?route=information/information&information_id=19#06">Sign Up</h4></a></div>
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            <h3>Confused about which repayment plan is best for you?</h3>
            <h4>WE HELP CREATING A PLAN UNIQUE TO YOU</h4>
            <p>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.</p>
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                    <h4>Already Making Payments?<br />Need a reset plan</h4>
                    <p>Are you out of school and in repayment?<br />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.</p>
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                    <h4>In School?<br />Need a Plan For Repayment</h4>
                    <p>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.<br /><br /></p>
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            <h3>Key Planning Features</h3>
            <h4>With more than 15 years of education financing experience, our professional consultants knows how to save money on your student loan repayment. We can help you a confusing and frustrating repayment process.</h4>
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            	<li>Import the client’s current student loan data from the NSLDS</li>
            	<li>Calculate, compare and illustrate multiple repayment options</li>
            	<li>Calculate and display complete loan amortization schedules</li>
            	<li>Provide contrasts of loan repayment to current income</li>
            	<li>Forecast loan repayments in constrast to projected income</li>
                <li>Configure repayment based on client tax filing status</li>
                <li>Calculate student loan forgiveness amounts based on loan program type</li>
                <li>Calculate potential tax liability for forgiven debt</li>
                <li>Build repayment strategies based on multiple future income strategies</li>
                <li>Create repayment strategies based on planned family size changes</li>
                <li>Analyze the repayment options annually based on changes in income, family, other</li>
                <li>Illustrate multiple repayment strategies and comparing for ideal scenario</li>
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            <h3>Student Loan Planning Sample</h3>
            <h4>학자금 신청 서류는 FAFSA, CSS PROFILE, INSTITUTIONAL FORM 등이 있다.<br /><br />
			<a href="/doc/Web_Student Loan Repayment Plan Sample.pdf" target="_blank" class="btn">View Sample</a></h4>
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            <h3>How It Works</h3>
            <h4>If you do not know how to manage your student debt and make your monthly payments more affordable than current payments?  Please follow below steps.</h4>
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            <div class="extra-wrap"><p>Enroll a Service by Sign- in</p></div>
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            <div class="extra-wrap"><p>Confirm the Sign-in and submit  Data Collection Form</p></div>
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            <div class="extra-wrap"><p>Agree on importing the client's student loans data from NSLDS</p></div>
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            <div class="extra-wrap"><p>Receive Repayment planning report with recommendations</p></div>
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            <div class="extra-wrap"><p>Schedule a consultation</p></div>
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            <div class="extra-wrap"><p>Replan the repayment plan on the client's request</p></div>
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            <div class="extra-wrap"><p>Enroll(maybe consolidating) the repayment option with Guidances</p></div>
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            <h3>Income Based Repayments</h3>
            <p>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.</p>
			<a href="/doc/Income Based Repayment Options.pdf" target="_blank" class="btn">View More</a>

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            <h3>Sign-Up</h3>
            <h4>If you are Not sure which income-driven repayment plan is right for you?<br />Please Sing-up Now.</h4>
            <p>Bay Spectrum experts will contact you through email or phone very soon to solve your student loan repayment</p> 
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                    <h4>Sign-Up $195<br /><span><h5>One hour consultation<br />Repayment Planning Report</h5></span></h4>
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                    <h4>Sign-Up $295<span><h5>One hour consultation<br />Planning Report<br />Ongoing quick answers<br />Unlimited repayment planning Report</h5></span></h4>
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