I spoke with a man named Paul Halligan back on July 3rd 2014. He talked about how he could consolidate my student loans and my payments would only be $147 per month and that I would pay about $25,000 of my $65,000 student loan balance. I was very skeptical and almost backed out several times because I could never get in touch with them and they kept making promises that they didn't keep.
I ended up signing up with them and paid them $595 to consolidate my loan. I had several issues through the process and it was very hard to get someone on the phone to talk about it. They hung up on me several times and I had to keep calling back. When I finally got someone, they would continue to reassure me that I was not being screwed and that they had my best interest.
After paying the $595 and then 2 months of their $29 "service" fee, I cancelled with them. I spoke with my loan provider and they explained that there is nothing that this company can do that I can't do myself so I am basically paying for nothing. FSLA is a scam and I urge anyone who has contacted them or even thought about it to STOP NOW!!! Check with your current provider before trying to do anything else!!!
I basically paid them to complete paperwork that I could do on my own!! It's sad that there are companies like this that take advantage of students that are just trying to better themselves. They prey on vulnerable people who think that this is their only option but I assure you that you have much cheaper options....STAY AWAY!!!