What We Do

Document Preparation and
Tracking Services

Prevention and Termination of
Wage Garnishment

Fix Default and
STOP Tax Offset

Our Services

Student Loan

We help you combine one or more of your federally guaranteed student loans. We can prepare & track your documents.

Program Change

Defaulted Student Loan Consolidation

We help you combine one or more federally guaranteed student loans when one or more of those loans is in default Benefits.

Loan Rehabilitation

Enrollment in Public Service Loan Forgiveness Program

If you are employed in certain public service jobs and have made 120 payments on your Direct Loans (after October 1, 2007), the remaining balance that you owe may be forgiven.


Direct, FFEL, Perkins, Stafford, PLUS, Grad PLUS, Consolidation, SLS, HPSL and NSL are eligible for rehabilitation. We can help you get approved for an affordable rehabilitation payment.

Program Change


If you already have a direct consolidated loan and are ineligible to re-consolidate but are having trouble making your payment, this program is for you.

Garnishment Prevention and Removal

We can assist you with ending most student loan wage garnishments.

Benefits of Our Services

  • Lower monthly payment
  • Simplification: One Loan, One Payment
  • Loan Forgiveness
  • Public Service Loan Forgiveness
  • Positive Impact on Credit Rating
  • Reset and Restore deferment and forbearance privileges
  • Prevent default
  • Get out of default
  • Prevent income tax refund offset
  • Prevent wage garnishment
  • Stop wage garnishment

About New Start

New Start Advisors exists to help people improve their financial lives in regard to their federally guaranteed student loans. Our mission is to help our clients put themselves in a better financial position to provide for themselves and their families. We accomplish this by providing our clients the necessary information and service to consolidate their federal student loans.



New Start Advisors is a private company. New Start Advisors is NOT a Government agency or associated in any way with the William D. Ford Federal Direct Loan Program, the U.S. Department of Education or Federal Student Aid.Our service is only for Preparation & Tracking of your Federal Student Loan Consolidation Documents. Consumers may choose to complete their own consolidation documents and are not obligated to use a third party agency. The use of this website does not constitute legal or financial advice.