How Do We Do It?

In short, there are various State and Federal Laws and Rulings that create legal loopholes and avenues, making discharge of your student loan possible. Most of these are not very well known. This is intentional, as lenders would much rather make colossal profits off of late fees, collection fees, and compounding interest charges than allow people to learn that they have another alternative. MEGS Associates have become experts in this arena and have developed a specific process of method to navigate the system. However, the process is usually complicated and requires tenacity, patience, and a deep understanding of what can be done and how to go about it. That’s why you need us to represent you. We don’t take “No” for an answer!

First we will determine if you qualify. Then, all we need from you is the information you provide on the client application. We take that data and immediately go to work. Often the first thing to do is determine who the current lender that owns your loan is, and which State they are headquartered in. Student Loans are often bought and sold many times over their life. Then we begin the rigorous process of researching all the facts to determine which laws and rulings will apply to your situation best, and then begin filing various forms, appeals, and negotiating on your behalf with applicable lenders, governmental agencies, etc. The process can take two months, or ten, although on average most of our clients receive a Letter of Discharge from the US Department of Education within four months, followed by a refund check of all their payments they have made up to that time! Our onetime fee for this service is only $399! If we are unable to achieve success for you, we will refund the entire $399 service fee!

Do You Qualify?

Fill out the form below and a local representative from your Region will review your information and let you know if we can help.

Qualification Form MEGS Associates' Privacy Policy (see below) ensures none of this information will be shared, sold, or otherwise distributed without express written permission from you. The information you provide here is strictly for our internal review in order to be able to ascertain whether or not your student loan may qualify for our services and to be able to contact you with an answer. These are only preliminary questions that will give us some idea of your situation, however you answer them will not automatically qualify you or disqualify you for our services. Remember, nearly 90% of Americans with US Guaranteed student loans can qualify! First Name: Please check all that apply: Last Name: My loan is in default status. City: I am still in school. Zip Code: (5 digits) I have more than one student loan. State: AL AK AZ AR CA CO CT DE DC FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY I have a disability. Daytime Phone: I have a good loan payment history. Evening Phone: I do not work in the field I went to school for. Email: My school is now closed. Please tell us what you went to school for and any other applicable details you feel may be helpful. Also, how did you hear about us? Enter comments here! I completed school six or more months ago.

MEGS Associates Inc Privacy Policy

We know that you care how your information is used, and we appreciate your trust that we will use it carefully and sensibly. This notice describes our privacy policy. By visiting us, you are accepting the privacy policy described below.

1.  What Personal Information Do We Collect?

• Information You Provide.  We receive and store information you enter.  For example, when you supply information such as your address, phone number or student loan info. You can choose not to provide certain information, but then you might not be able to take advantage of some of our features.  We use the information that you provide for such purposes as responding to your requests, determining if we might be able to help you, improving our website, and communicating with you.  In addition, if you choose, we may share your information with other companies or entities who we may work in conjunction with in order to serve you, such as the US Department of Education or the current lender who owns your active student loan. We never sell, trade, or otherwise share information with any other entity outside the scope of our described services. Please see the “opt-in/opt-out” selection in Section 4 of this policy.
• Cookies. MEGS Associates does not use cookies at this time.
• Other Information: Every computer has an IP (Internet Protocol) address.  IP addresses of computers used to visit this site are noted.  In addition, we automatically collect other information such as email addresses, browser types, operating systems, and the URL addresses of sites clicked to and from this site.
• Information from Other Sources.  We might receive information about you from other sources and add it to our account information.  This may include updated data regarding your student loan info from your lender, student loan service company, or the US Department of Education. 

2.  How Do We Use Your Information?

• Direct Client Representation.  We use your information to first determine if we will be able to help you with our service, and then once you have authorized us to, we use it to represent you and facilitate the completion of our service on your behalf.
  

 

3.  How Do We Protect the Security of Your Information?

• We work to protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input.
• We use encryption to protect your information contained in our customer list.
• We use a firewall to protect against unlawful intrusion.
• We limit access to your information on a “need to know” basis.
• No system can guarantee absolute security, just as the finest lock can not guarantee physical security.  However, we take every reasonable precaution to assure that your data is secure.

4.  Your Choice:  Opt-in or Opt-out.

It is your choice whether to receive emails or special offers from us.  We do not share your opt-in information sent us via our Contact Form "Do You Qualify" with any other entities at this time for opt-in purposes.

5.  Children

 

We do not sell products or services to children. If you are under 18, you may use this site only with involvement of a parent or guardian.

 

6.  Other Websites

 

Various Web sites may be linked to from this site in the future but are not at this time.  If you link to another site, your privacy depends on the policy of that site.  We strongly urge you to check their privacy policy.  Not all sites guarantee that they will not share your personally identifiable information with others.  You may also wish to consult privacy guidelines such as those recommended by the Online Privacy Alliance (www.privacyalliance.org).

 

7.  Contact Us

 

If you would like to learn more about our privacy policy, you may contact us.  You will be required to provide identifier information to assure that this information is not released to others.  We reserve the right to modify this policy in the future.  If we do so, notice will be posted on this page.