Congratulations on taking the first steps toward managing your student loans.

I would like to take this opportunity to welcome you to Debt Reduction Services Inc, our nonprofit organization that has been serving the public since 1996. We are happy that you have chosen us to help you get help with your student loans. We will do everything possible to guide you smoothly through the entire process.

We also want to invite you to ask about our debt management program, it’s a service that can help you pay off your unsecured debt within 5 years – without bankruptcy or using debt settlement, which can ruin your credit. Remember, if you have any questions, or need budgeting assistance, help is just a phone call away. Good luck and thank you for coming to us for help. We won’t let you down.

joe-cestaroJoe Cestaro


Debt Reduction Services


The Next Steps

Prepare by filling out our Student Loan pre-consultation worksheet here. Select document image below to begin.

Filling out the worksheet before your consultation will give you a head start on some of the information your Student Loan Counselor will review with you.

We understand the difficulty that financial situations can present. If you need immediate help call us at 866-688-3328 to speak with one of our Student Loan Certified Counselors.

Otherwise, we will be in touch shortly.

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