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Get more time to repay
Many borrowers take out their original private student loans on a standard 10- or 15-year repayment term. Consolidating those private student loans gives you up to 30 years to repay and could cut your monthly payments by as much as 45 percent.*
Keep more money each month

When you’re able to extend your repayment term and lower your monthly student loan payments by consolidating through H.E.L.P., you can use the extra money you have each month to build up savings, make the important purchases you need now, or pay off high-interest debt like credit cards, which could save you hundreds on interest charges.
H.E.L.P. Privacy Policy
H.E.L.P. knows your privacy is important to you. At H.E.L.P., we respect your privacy rights and are committed to protecting your information by maintaining a secure and confidential website.

Information We Collect

At H.E.L.P., your information is always kept private. Unless you submit a consolidation loan application expressly authorizing us to collect your nonpublic personal information, H.E.L.P. will not collect such information.

The information we may collect, upon receiving your authorization, can include:

  • Your name
  • Your address
  • Your telephone number
  • Your Social Security number
Specific personal financial information we may collect includes:
  • Payment history
  • Account usage
  • Student loan account balances
  • Any related information used for transactions with H.E.L.P.

AThe information we collect from you will only be used as necessary in order to provide you with the services at H.E.L.P. In order to efficiently process and/or administer your loan, H.E.L.P. may share this information with its processing agents, third-party agents, originating agents, and servicers.

Visitors to HigherEducationLoanProviders.com

We do not collect individual information regarding visitors to the H.E.L.P. website. We use standard software for the express purpose of gathering aggregate visitor information, in order to analyze traffic to and usage of the H.E.L.P. website. This information helps us in determining how visitors access the H.E.L.P. website and which of the site’s pages draw the most visitors.

Guidelines for Youth Privacy

H.E.L.P. abides by Federal Trade Commission guidelines and federal law on youth privacy. We will not intentionally collect any personal information from anyone less than 13 years of age, nor will we allow the registration of anyone younger than 13.

If we are made aware of any personal information collected unknowingly from a person less than 13 years of age, we will immediately take action to delete any such data from our system.

Sharing of Information

H.E.L.P. will not share any of your personal information with nonaffiliated third parties except as required or permitted by federal law or regulation. For example, we may share your personal information with:
  • Schools
  • Lenders
  • Agencies of the U.S. government and their agents
  • Credit-reporting agencies
  • Third-party servicing organizations. These third parties are required to use your personal information for its intended purpose only.
We are committed to protecting all personal information shared with H.E.L.P. We maintain physical, electronic, and procedural safeguards that comply with federal regulations in order to guard your nonpublic personal information. Any personal information you provide online through the H.E.L.P. website is encrypted using 128-bit SSL (secure socket layer) encryption technology, the Internet standard for secure communication online.

All your personal information is internally stored by H.E.L.P. in a secure, controlled environment. Only H.E.L.P. employees with an express business purpose are permitted to use your personal information.

If you have any questions, comments, or concerns in connection with this Privacy Policy, please contact us at:

Customer Privacy
Higher Education Loan Providers
P.O. Box 43737
Phoenix, AZ 85080

* In the first year of repayment. Your actual payment reduction may vary and will depend on your qualifying interest rate, repayment plan, and the terms of your loans. Although a Private Consolidation Loan may allow you to reduce your monthly payments by extending your repayment term and/or allowing you to initially make interest-only payments, the total cost of your loan may be higher due to (1) the interest accruing over a longer period of time and/or (2) interest accruing on a principal balance that isn’t initially being paid down. You may choose to pay more than the interest-only payment amount and/or repay your Private Consolidation Loan in less than 30 years with no prepayment penalties.

† Co-signer not required provided the applicant meets minimal credit requirements.

‡ Interest-only payment option is available for the first two years (24 months) of repayment.