What personal information do we collect from the people that visit our blog, website or app?
When ordering or registering on our site, as appropriate, you may be asked to enter your Name, Email address, Mailing address, Phone number, Credit card information, Student loan debt information, Income information, or other details to help you with your experience.
When do we collect information?
We collect information from you when you place an order, subscribe to a newsletter, respond to a survey, fill out a form or enter information on our site.
How do we use your information?
We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways:
• To personalize user’s experience and to allow us to deliver the type of content and product offerings in which you are most interested.
• To improve our website in order to serve you better.
• To allow us to better service you in responding to your customer service requests.
• To administer a contest, promotion, survey or other site feature.
• To quickly process your transactions.
• To send periodic emails regarding your order or other products and services.
How do we protect visitor information?
We do not use vulnerability scanning and/or scanning to PCI standards. Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology.
We implement a variety of security measures when a user places an order. For your convenience, we may store your credit card information kept for more than 60 days in order
Do we use ‘cookies’?
- Google’s use of advertising cookies enables it and its partners to serve ads to our users based on their visit to our sites and/or other sites on the Internet.
- Third-party vendors and ad networks may serve ads on our site.
- You can opt out of some third-party vendors’ uses of cookies for personalized advertising by visiting www.aboutads.info
You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser (like Internet Explorer) settings. Each browser is a little different, so look at your browser’s Help menu to learn the correct way to modify your cookies. If you disable cookies off, some features will be disabled It won’t affect the user’s experience that makes your site experience more efficient and some of our services will not function properly. However, you can still place orders.
Third Party Disclosure
Do we disclose the information we collect to Third Parties?
Yes, you should be advised that we sell, trade, or otherwise transfer to outside parties your name, address, city, town, any form or online contact identifier email, name of chat account, etc., phone number, SSN, and student loan balances. We share your information to other companies who provide us with services to help promote our content via email and text alerts, as well as with reputable companies who may be able to offer you assistance with your debt.
Third party links
We explain below in detail what are cookies and tags, and how you can decide to allow us to run this analysis, or to block our use of our technology.
WHAT ARE COOKIES?
A cookie is a small data file that is sent to the browser that a Visitor is using at the time of the Visitor’s visit to a website. Cookies are used to serve as an identifier, to navigate through a website, and to enable certain features of the website.
Cookies can last only for the duration of a session (session cookies) or for several days, months, or years (persistent cookies). They can be sent by a website (first party cookie) or by or on behalf of another entity (third-party cookies).
The following sections explain the different categories of cookies
SESSION COOKIES AND PERSISTENT COOKIES
There are session cookies and persistent cookies.
- A session cookie is deleted from a Visitor’s browser when the Visitor disconnects from or leaves a website or closes down his browser.
- A persistent cookie is not deleted. It remains associated with the browser, so that that browser may use it on subsequent visits to the website.
FIRST PARTY COOKIES AND THIRD PARTY COOKIES
There are first party cookies and third party cookies
- A first party cookie is generated by the owner or operator of a website for its own use.
- A third party cookie is generated by an entity other than the owner or operator of a website, for the benefit of the owner or operator of a website. A third party cookie may be generated while a Visitor visits a website, or clicks on an advertisement that is managed by the third party for the benefit of a website owner.
COOKIES ARE BROWSER SPECIFIC
Cookies are browser specific. This means that a cookie is attached to, and stored in, a specific browser. For example, if you use either Firefox or Explorer to visit the same website, you may have some cookies stored in your Firefox files and other cookies stored in your Explorer file. Each of these cookies may have a different identification number. Even though these cookies may have been initiated by the same website, or the same entity, they are independent of each other. Any action you take – such as deleting one cookie in a particular browser – will not affect the similar cookie that might be attached to or stored with another browser. That similar cookie will remain in effect unless and until you delete that cookie in that other browser file.
WHAT ARE TAGS?
Tags or “clear GIFs” or “web beacons” are transparent electronic images that are placed into the code of a website, an advertisement, an email, or a newsletter. IPR Holdings, Inc provides the coding for the IPR Holdings, Inc tags to its Customer, and each Customer installs the tags in the code of those pages of its website, advertisement, or email, for which it wishes to keep statistics.
Tags allow counting the number of individual visitors who visit or interact with a particular page of a website. They are used in combination with cookies to collect data. If you have prevented IPR Holdings, Inc from placing a cookie on your browser, or if you have deleted the IPR Holdings, Inc cookie, the Marin tag located on a Customer website cannot transmit information about your visit to that Customer website.
TO LEARN MORE ABOUT COOKIES
If you want to learn more about cookies, or how to modify your browser settings to block or filter cookies, you can visit:
To learn how to block or remove cookies, see the section How to control and manage cookies below
HOW TO CONTROL AND MANAGE COOKIES
Using your browser settings — You can instruct your browser to stop accepting cookies or to prompt you before accepting all cookies, or only third party cookies, from any website that you visit. This is done by editing the options in your browser.
The instructions for performing these functions are usually found in the “options” or “preferences” or “settings” menu of your browser. You may also check the “help” option of your browser. We provide below links to the instructions provided by some of the most popular browsers:
- Firefox: https://support.mozilla.org/en-US/kb/Cookies
- Google Chrome: https://support.google.com/chrome/bin/answer.py?hl=en&answer=95647
- Opera: http://www.opera.com/browser/tutorials/security/privacy/
- Android: https://support.google.com/android/bin/answer.py?hl=en&answer=1722193
- Windows Phone: https://www.microsoft.com/windowsphone/en-us/howto/wp7/web/changing-privacy-and-other-browser-settings.aspx
The methods described above can be used to block all cookies or certain categories of cookies, such as third parties cookies. They would not be applicable to block or deactivate one specific cookie, or all cookies originated by a specific entity. To do so, other methods must be used.
Using a special opt-out cookie — To deactivate and block future cookies from a specific company, a special cookie must be used. Some companies may provide the information on how to block their cookies on their website. Alternatively, some sites provide a compilation of information about opt-out cookies for most of the major service providers: See for example:
- Digital Advertising Alliance: https://www.aboutads.info/choices/
- Network Advertising Initiative: https://www.networkadvertising.org/choices/
Please remember that:
- Since cookies are browser specific, changing the CAN-SPAM on one browser will not change the setting in another browser, or on another Device.
- If you block all cookies, you may not be able to access some of the content offered on the websites that you visit and that had relied on that cookie as a way to identify your browser as a permitted “user” of certain content.
The Facebook Companies
Facebook owns and operates each of the companies listed below, in accordance with their respective terms of service and privacy policies. We may share information about you within our family of companies to facilitate, support and integrate their activities and improve our services. For more information on the Facebook Companies’ privacy practices and how they treat individuals’ information, please visit the following links:
Facebook Payments Inc. (https://www.facebook.com/payments_terms/privacy)
- Facebook https://developers.facebook.com/policy
- Facebook https://www.facebook.com/about/privacy/
- Facebook https://www.facebook.com/legal/terms
- Instagram LLC TOS https://www.instagram.com/about/legal/terms/
Instagram LLC (https://instagram.com/about/legal/privacy/)
WhatsApp Inc. (https://www.whatsapp.com/legal/#Privacy)
This website uses Google AdWords
Google’s advertising requirements can be summed up by Google’s Advertising Principles. They are put in place to provide a positive experience for users. https://support.google.com/adwordspolicy/answer/1316548?hl=en. We have enabled Google Adsense on our site. For more information on how Google uses your information visit their privacy & terms.
You can set preferences for how Google advertises to you using the Google Ad Preferences page, and if you want to you can
opt out of interest-based advertising entirely by cookie settings or
permanently using a browser plugin.
California Online Privacy Protection Act
According to CALOPPA, we agree to the following:
Users can visit our site anonymously
Users are able to change their personal information:
How does our site handle do not track signals?
We honor do not track signals and do not track plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.
Does our site allow third party behavioral tracking?
It’s also important to note that we allow third party behavioral tracking
COPPA (Children Online Privacy Protection Act)
When it comes to the collection of personal information from children under 13, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, the national consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online.
We do not specifically market to children under 13.
Fair Information Practices
The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.
In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:
We will notify the users via email
- Within 7 business days
We also agree to the individual redress principle, which requires that individuals have a right to pursue legally enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or a government agency to investigate and/or prosecute non-compliance by data processors.
Student Debt Relief Loan Refinancing Advertiser Disclosure
Student loan offers that appear on this site are from companies or affiliates from which Student Debt Relief may receive compensation. This compensation may impact how and where products appear on this site (including for example, the order in which they appear or whether a student loan provider or loan consolidation company is “featured” on the site). Student Debt Relief does not include all student loan companies or all types of offers available in the marketplace.
Potential savings may vary based on the interest rates, balances and remaining repayment term of the loans you are seeking to refinance. Your overall repayment amount may be higher than the loans you are refinancing even if your monthly payments are lower. Variable rate options will fluctuate over the term of your loan with changes in the LIBOR (or other index utilized by the lender) rate and will vary based on applicable terms and presence of a cosigner. Fixed interest rates may be based on applicable terms and presence of a co-signer. Additional terms and conditions, and rates are subject to change at any time without notice and may not be available in all states or for all types of current student loans. Such changes should only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Lenders are required to provide every potential borrower with disclosure information before they apply for a private student loan. The Lender you select is required to provide you with an Application Disclosure and an Approval Disclosure within the application process before you accept the terms and conditions of your loan. Student Debt Relief is not a lender or creditor, it does not offer, extend or alter credit terms. Only participating lenders can perform the full application and deliver the required disclosures, please ask your lender about rates, terms, fees, and potential discounts that may be available for each product.
Please be advised:
- Certain federal and private student loans may not be eligible for consolidation/refinance.
- Certain consolidation/refinance plans may result in higher monthly payments or negative consequences (i.e. prepayment penalties).
- Consolidation/refinance may lead to other negative results, such as loss of grace periods.
- Loans in default generally cannot be consolidated until completion of a repayment trial plan so tell your lender if you are in default and determine relevant options (be wary of those asking for upfront fees as well)
- Other options or programs may fit your needs (i.e. personal loan, debt consolidation and/or debt relief). Consult your financial and/or tax advisor prior to making any decisions.
Student Debt Relief is not a creditor as it does not offer, extend or alter credit; rather it is an online market lead generator that allows consumers to shop and compare rates, terms and costs associated with financial products such as mortgages, auto loans, personal loans, student loans, etc. Student Debt Relief does not originate or fund any product it markets; rather it has a network of lenders or Partners/affiliates. You may choose to speak with one or more of these lenders or Partners/affiliates to determine what your actual terms and savings may be. Only a lender can provide you with a formal application for credit, your inquiry form here is merely an expression of interest and/or intent to obtain credit or assistance. You must discuss your actual credit situation and fill out the lender’s required documents prior to obtaining an extension of credit. Network lenders may not have the best or the lowest rates, so you are encouraged to continue to shop and compare additional lenders, credit unions, local financial institutions, etc., to ensure you are truly getting your best deal for your situation.
You should contact your tax professional or other financial advisors to determine if you can actually realize savings by refinancing when it can extend the life of your current loan. You should ask the lender about all terms, rates, fees and costs associated with each product and if you will realize a net tangible benefit from the same. All initial estimated savings are determined by trying to calculate what your rate may be; however, Student Debt Relief does not have that information and cannot guarantee potential savings or that lenders will approve you for such product that would warrant those savings. Rates are not guaranteed and change daily. Lenders/Brokers/Dealers/Partners that perform the actual underwriting will have to determine if you meet their underwriting criteria which is unknown to Student Debt Relief at the time of matching/offer/quote delivery. All amounts are estimates and examples only and do not represent an actual offer.
Free Referral Services
The offers that you are matched up with are from companies or people that we may receive compensation from. Based on our initial review of such companies or individuals, we feel comfortable introducing them to you. We won’t recommend something just because we’re offered payment to endorse or promote it. However, we do recommend that you shop around and compare services and costs with other companies while performing you own due diligence, especially since people’s experiences with companies can change over time.
We may be compensated for the following:
- Referrals to consumers who use the online form or locator line that may provide expert answers to questions;
- Marketing tax resolution, credit correction, student loan, consumer law services such as FDCPA and bankruptcy assistance;
- Ads served through companies such as Google (We don’t totally control all of the specific ads that appear on our site);
- Referrals to services that help consumers with tax resolution, credit correction, student loan, consumer law services such as FDCPA and bankruptcy assistance and that may negotiate settlements on their debts.
We are not attorneys and we don’t provide legal advice. As always, we encourage you to do your homework and check out individuals and companies before you hire them. If you are already working with an attorney, we urge you to ask them your questions. After all, they will be familiar with your situation and the laws in your state.
This website is intended for informational purposes and as a reference tool to match consumers with companies that may be able to assist them.
Copyright ©2018 Student Education Content, LLC. All Rights Reserved.
All rights reserved. No part of this publication may be reproduced, distributed, or transmitted in any form or by any means, including photocopying, recording, or other electronic or mechanical methods, without the prior written permission of the publisher, except in the case of brief quotations embodied in critical reviews and certain other noncommercial uses permitted by copyright law. For permission requests, write to the publisher, addressed “Attention: Copyright Legal Department or Permissions Coordinator,” at the address below.
6360 NW 5th Way, Suite 302
Student Education Content’s home page:
The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.
We collect your email address in order to:
- Send information, respond to inquiries, and/or other requests or questions.
- Process orders and to send information and updates pertaining to orders
- We may also send you additional information related to your product and/or service.
- Market to our mailing list or continue to send emails to our clients after the original transaction has occurred
To be accordance with CANSPAM we agree to the following:
- NOT use false, or misleading subjects or email addresses
- Identify the message as an advertisement in some reasonable way
- Include the physical address of our business or site headquarters
- Monitor third party email marketing services for compliance, if one is used.
- Honor opt-out/unsubscribe requests quickly
- Allow users to unsubscribe by using the link at the bottom of each email
If at any time you would like to unsubscribe from receiving future emails, you can
- Follow the instructions at the bottom of each email.
6360 NW 5th Way, Suite 302
Phone: 1 (844) 311-1699
Student Education Content’s Sitemap:
Compare the Best Student Loan Refinance Rates
Here are our top student loan refinance picks for 2019
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Student Debt Relief Loan Refinancing Advertiser Disclosure
College Ave: College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
College Ave Refi Education loans are not currently available to residents of Maine.
1 – The 0.25% auto-pay interest rate reduction applies as long as the borrower or cosigner, if applicable, enrolls in auto-pay and authorizes our loan servicer to automatically deduct your monthly payments from a valid bank account via Automated Clearing House (“ACH”). The rate reduction applies for as long as the monthly payment amount is successfully deducted from the designated bank account and is suspended during periods of forbearance and certain deferments. Variable rates may increase after consummation.
2 – $5,000 is the minimum requirement to refinance. The maximum loan amount is $300,000 for those with medical, dental, pharmacy or veterinary doctorate degrees, and $150,000 for all other undergraduate or graduate degrees. Information advertised valid as of 04/26/2019. Variable interest rates may increase after consummation.
3 – This informational repayment example uses typical loan terms for a refi borrower with a Full Principal & Interest Repayment and a 10-year repayment term, has a $40,000 loan and a 5.5% Annual Percentage Rate (“APR”): 120 monthly payments of $434.11 while in the repayment period, for a total amount of payments of $52,092.61. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
ELFI: Subject to credit approval. Terms and conditions apply. To qualify for refinancing or student loans consolidation through ELFI, you must have at least $15,000 in student loan debt and must have earned a bachelor’s degree or higher from an approved post-secondary institution.
LendKey: Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.
CommonBond: Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate.
Splash Financial: Terms and Conditions apply. Splash reserves the right to modify or discontinue products and benefits at any time without notice. Rates and terms are also subject to change at any time without notice. Offers are subject to credit approval.com
Earnest: To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest’s fixed-rate loan rates range from 3.89% APR (with autopay) to 7.89% APR (with autopay). Variable rate loan rates range from 2.50% APR (with autopay) to 7.27% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.26% and 5.03% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of April 23, 2019 and are subject to change based on market conditions and borrower eligibility.
Auto Pay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 04/23/19. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at firstname.lastname@example.org, or call 888-601-2801 for more information on our student loan refinance product.