TSLHC Introduction

1. “Bringing financial stability to everyone and promoting • positive peaceful living” Student Loan Consolidation Experts

2. What We Do • Equip you with the tools and training needed to offer Student Loan Consolidations to clients and prospects. Our program will solve student loan issues and create a profit center for your company! • Provide your staff with training and support • Handle all front-end & back-end operations • Qualify prospects for consolidation, payment plan & forgiveness program eligibility • Process consolidations for clients • Provide continual and outstanding customer service throughout process, ensuring proper completion

3. FACTS • 37 million people have student loan debt • 10 million people have past due balances • Total balance of student loan debt is $1 trillion! • 40% of people under 30 years old have student loan debt • The average outstanding debt is $18,000. For new graduates, the average debt is $34,000! • 1 out of every 6 people with student loans is in default

4. Program Benefits • One payment instead of multiple payments • Lower payment • Income-based payment plans that ensure an affordable payment • Forgiveness programs available for those who qualify • Get out of DEFAULT • Lowers interest rate on defaulted loans from 18.5% to under 7% • Existing defaulted loans are paid off which leads to improved credit scores

5. Program Benefits • Restores federal privileges • Eligibility to place loans into deferment & forbearance • Restores eligibility to take out new student loans in order to go back to school • Prevent tax off-sets (IRS withholding of tax refund check) • Prevent wage garnishment; loans in default are subject to wage garnishments of 15-25% • Process completed in 60 days or less!

6. Who Qualifies? EVERYBODY with outstanding Federal Loans! • NO credit requirement • NO income requirement • NO minimum loan amount • Private loans are NOT eligible to be consolidated into the program