Your Path
To Student
Loan
RELIEF
Why Choose Higher Level Processing
At Express Resolution Services / Express Solutions, we live and breath Federal student loans. We’ve served over 17,000 clients throughout our six years in business. We deliver results and reduce the financial stress associated with Federal student loans. Give us just five minutes of your time. We will assess your situation and provide an overview of your repayment program options.
Loan Forgiveness
You may qualify for full or partial loan forgiveness. There are a number of options available. HLP wins loan forgiveness for clients everyday
Lower Your Payment
There are over seventy federal programs that can help lower your payment or shorten your loan term.
Federal Programs
Don’t assume you’re ineligible. There are a number of federal and state-level programs with limited qualifications.
Our Services
Assessment
We’ve refined the critical discovery steps. Spend a few minutes with us on the phone, review your FSA history and we’ll collect the facts that we need to HLP you!
Case Files
Identifying the optimal repayment program
must be supported with a robust case file. There are no shortcuts, but the heavy lifting we do on your behalf will payoff.
Annual Re-Certification
Income-based programs offer some of the strongest benefits, but do require annual re-certification of employment/income. There is no need to worry. HLP manages all the details.
Program Options
The repayment program options are detailed and varied. The good news is that we’ve helped over
15,000 Clients. Our
proprietary system considers every option and is frequently updated.
Documentation Prep & Processing
To realize the monthly payment reductions, or other benefits, there are a number of administrative requirements which Higher Level Processing manages for you.
What Do They Say About Us?
Travis Johnson
I finally feel some relief. I hit a bad patch whereas I needed to basically live off my credit cards for 6 months. Monica from Express Resolution Services / Express Solutions stayed on the phone with me for an hour feeding me valuable information about debt consolidation for my student loans. I now have 1 affordable loan payment every month and can finally breathe. Thank you Express Resolution Services / Express Solutions!
Isabella Gonzalez
Express Resolution Services / Express Solutions made it very easy to pay off of my loan. During the pandemic they even worked with me and gave me call if I was unable to pay it but I advise to keep my payment the same. Thank you South Coase for getting me out of student loan debt. I will definitely recommend to my friends and family. Made my life very easy
Sophia Nguyen
Couldn’t be more grateful they were able to help me with my student debt! So professional every time I’ve called or received a call they have been so helpful and kind. They definitely valued my time as a busy mom and made everything so easy to complete! 10 out of 10 would highly recommend!
Knowledge Vault
Federal Student Loan Facts That Could Be Costing You Money (and how we help you save)
Interest adds up fast. Most federal student loans charge between 5%–8% interest today. On a $40,000 balance, that’s easily $200–$300 a month in interest alone—before you even touch the principal.
Income-driven plans aren’t always fair. Yes, there are programs like SAVE, PAYE, and IBR—but the formulas often keep borrowers in debt for decades. Many people pay for 20+ years and end up repaying more than they originally borrowed.
Collections are aggressive. If your loan goes into default, the government can garnish your wages, seize your tax refund, or offset Social Security benefits—without even going to court.
Forgiveness isn’t guaranteed. Public Service Loan Forgiveness (PSLF) and forgiveness after 20–25 years of income-driven repayment sound good, but only a small percentage of borrowers actually qualify or make it through the process without issues.
Consolidation isn’t a solution by itself. Consolidating can simplify payments, but it doesn’t reduce your balance or guarantee lower payments. Many borrowers mistakenly think consolidation = savings, when it’s really just moving debt around.
Federal loans can double in size. With late fees, interest, and collection charges, a $25,000 loan can balloon to $50,000+ if ignored.
Federal Student Loan Repayment Plans
Standard Plan
Fixed 10-year payoff
Fastest, but highest monthly payments
Graduated Plan
Payments start low, increase every 2 years
Good if income will rise
Extended Plan
Up to 25 years
Lower payment, but much more interest
Income-Driven Repayment (IDR)
Payments based on income & family size
Includes IBR, PAYE, ICR
Income-Based Repayment (IBR)
10% of discretionary income
Forgiveness after 20 years
More borrowers eligible (hardship rule removed)
Public Service Loan Forgiveness (PSLF)
120 payments in public service job
Balance forgiven — but strict rules apply
Important Updates
SAVE plan blocked — no longer available
New RAP plan starts 2026 $\rightarrow$ minimum $10/month, forgiveness after 30 years
Many plans end in 2026 — act now to lock in current options.
Federal Loan Hardship Options
Standard Plan
Fixed 10-year payoff
Fastest, but highest monthly payments
Graduated Plan
Payments start low, increase every 2 years
Good if income will rise
Extended Plan
Up to 25 years
Lower payment, but much more interest
Income-Driven Repayment (IDR)
Payments based on income & family size
Includes IBR, PAYE, ICR
Income-Based Repayment (IBR)
10% of discretionary income
Forgiveness after 20 years
More borrowers eligible (hardship rule removed)
Public Service Loan Forgiveness (PSLF)
120 payments in public service job
Balance forgiven — but strict rules apply
Important Updates
SAVE plan blocked — no longer available
New RAP plan starts 2026 $\rightarrow$ minimum $10/month, forgiveness after 30 years
Many plans end in 2026 — act now to lock in current options.
Your Path
To Student
Loan
RELIEF