Frequently asked questions
Is this a debt-relief company?
No. Student Loan Angel is an attorney-supervised legal service. Every matter is overseen by an active California-barred attorney, and the platform is built so it cannot advance your case past a review gate without that attorney's signed approval.
Can I apply for federal programs myself, for free?
Yes. Federal student loan forgiveness and discharge programs are free to apply for through the U.S. Department of Education. Our service is legal help: analyzing which programs fit, assembling evidence, handling prerequisites and complications, and standing behind the filing.
Who is eligible to use this service?
California residents who are 18 or older (or otherwise have legal capacity to contract). If you live elsewhere, you can join the waitlist and we'll email you if we expand to your state.
How does the eligibility check work?
It's a deterministic rules engine: counsel-reviewed routing rows that weigh all twelve in-scope programs at once. The same answers always produce the same routing, discharge programs always outrank paid services, and multi-eligible results are flagged for attorney review.
What does it cost?
The eligibility check is free. If a paid legal service fits your situation, fees are set out in a plain-language engagement letter before you sign anything. Unearned fees are held in a client trust account until earned, and for debt-relief services no fee is collected before the attorney-certified milestone required by the FTC Telemarketing Sales Rule.
What is the 72-hour cooling-off period?
For private-loan settlement engagements, mandatory disclosures are shown before you engage and a 72-hour waiting period applies before you can sign, so the decision is never made under pressure. You may also cancel at any time without a termination fee.
Is my information safe?
Your documents live in an encrypted vault, access is role-based, and every change to your case writes to an append-only audit log. We never sell your information, and consent for calls or texts is optional and never a condition of service.
Do you work in Spanish?
Yes. The funnel and portal are built bilingual (English/Spanish), and you can switch languages at any time.
What if no program fits me?
The check says so, plainly. If a free self-service path is your best option, we tell you that instead of selling you something. If your situation changes, you can run the check again.