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WELCOME TO UHLITZER STUDENT ADVANTAGE! Uhlitzer Student Advantage is a federal student loan consolidation, preparation, and filing company. We help borrowers improve their ability to manage student loan debt. Borrowers can consolidate their student loans through Uhlitzer Student Advantage and reduce their monthly payment obligation. Further, in many cases borrowers are able to achieve a substantial reduction in the loan principal balance, through the loan forgiveness program. Our services include free consultations to help borrowers make the correct decisions about consolidating their loans. We also ensure that the borrower is informed of all the repayment options, deferment options, and forgiveness options offered by the Department of Education. Once the borrower decides to move forward with the consolidation, we then charge a reasonable consolidation and filing fee. Ethically, our business practices and quality control protocols are second to none and we ensure the consolidation process is complete and accurate. Moreover, a portion of the consolidation and filing fee that borrowers pay goes to support student scholarships. The major benefits of loan consolidation are the possibility of a lower monthly payment along with the potential for future loan forgiveness. It can also protect borrowers from the instability that occurs due to variable interest rates. In addition, consolidation converts multiple monthly payments to various lenders into a single monthly payment, thereby reducing the risk of missing a monthly payment. Consolidating student loans can have a positive impact on a borrower’s credit score. The new consolidation will pay-off regular and defaulted loans in full, and the revised credit report will show all loans as paid in full. In some cases, consolidating student loans will lower the borrower’s Debt-to-Income Ratio, making the borrower a more suitable candidate to borrow for cars, mortgages, etc. www.LowerMyStudentDebt.com