The Institute of Student Loan Advisors Corporation (TISLA) was founded to ensure that all student loan borrowers have access to free, neutral and clear student loan advice and dispute resolution assistance. We are a 501(c)(3) non-profit who believes that these borrowers have a right to a trusted resource with industry experience to mentor, educate and advocate for them. Student loan borrowers have a right to such a resource without being charged a fee, barraged with advertisements or forced to provide personal information that may later be sold.
Our goal is to help you help yourself. We are not here to manage your student loans for you, but to give you expert advice and help you to manage them successfully. We will offer fair, neutral advice that outlines what you are eligible for that is in line with current regulation and statute.
What We Can Do For You
What We Cannot Do For you
- Offer expert advice on your student loans
- Help you decide which repayment plan make the most sense for you
- Determine if you are eligible for loan forgiveness or discharge
- Offer guidance in any dispute you may have regarding your student loans
- Guide you through completing required forms and applications
- Help you get out of a default or delinquency status
- Offer legal advice
- Offer opinions on a particular company or servicer
- Fill out or submit your forms for you
- Pay your loans
- Change the law or regulations
- Manage your loan accounts for you
From James D. August 1, 2018
“I am very happy that I found freestudentloanadvice.org. I was very frustrated with trying to solve my student loan issues on my own and Betsy was such a great help with advice and follow up. Thank you so much!”
How We Are Funded
At the core of TISLA’s values is the promise of free, neutral and transparent student loan advice. For that reason, we do not accept advertising funds from any businesses nor fees from consumers. TISLA is funded through grants, donations and our fee for service products we offer to employers, schools and associations with constituencies concerned with student debt.
Such donations and partnerships will be listed on this page to ensure continued transparency. If you are interested in helping to fund TISLA, a 501(c)(3) non-profit organization, please contact betsy “at” freestudentloanadvice.org or donate through donorbox online.
TISLA 2018 Annual Report
TISLA offers several affordable and customizable packages to suit your constituencies needs for expert student loan repayment education and assistance. These offerings are suitable for employers looking to attract and retain valuable employees or schools who wish to provide student loan assistance to their alumni, students and employees. Our services can also be a way for associations to provide additional value to their members. Please contact betsy “at” freestudentloanadvice.org for more information on partnering with TISLA.
TISLA is currently completing its board roster. If you, or someone you know, has a passion for the issue of student debt, can contribute their business, non-profit or other expertise and influence, and would like to consider serving, please contact betsy “at” freestudentloanadvice.org
To make certain that all student loan borrowers have access to free, neutral and accurate resources and mentoring to ensure they can successfully manage their student loan debt.
- To be of service to others
Bankruptcy Exemption Limits (what you can keep) Amounts Going Up
Imposter Scams Top The Charts in 2018 - REMINDER: the IRS, Social Security or police/sheriff will NEVER call you demanding money!
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I really, really hate fast operators who prey on the elderly. I have a close friend, an elderly woman, who shares all the scam mail she gets with me, so I have a window into a world that most working-age folks are totally unaware of.
Below is an example of a really nasty bit of business, an offer pitching what is supposedly a way to buy an extended warranty on your old car (it's not really a warranty but a service contract, but most people call it a warranty or extended warranty).
What it really is instead is a way for them to hook a suction line up to your bank account and drain it.
I know this for several reasons.
One is that my friend's car is a mid-1990s sedan. There is no way in hell that anyone honest will sell her a service contract to fix problems with a car of that age. It would never pencil out.
Two is that, while I was born at night, it wasn't last night. I have had countless elders come to me to complain about "warranties" that refused to pay when the coverage the elder thought they had purchased was invoked.
This whole offer, and especially the table on the back, is the work of sophisticated con artists who know that if they can get elders on the phone, the elders are often vulnerable to sales pitches that play on the fixed-income elder's fear of unexpected/unplanned expenses. The people who staff the phones for these come-ons are really, really good at being convincing and sounding utterly sincere and honest. They will talk your ear off about the high cost of auto repairs, and how their "product" would give the caller "peace of mind."
That's what this scam is about -- playing on the fear that folks on fixed incomes have of repair bills, just like the horrible "water supply line" warranties that were being sold around here a few years ago.
Believe me, that supposed "example" on the second page of the piece is PURE FICTION and is intended to give the reader the FALSE impression that they are selling something that would PAY for those repairs. (It is a lie, in in other words.)
If you EVER get an offer like this that tempts you to respond, DON'T DO IT.
Send it to me instead -- I'll gladly review it and discuss it with you at no charge if you let me use it as a consumer education example to help others.
And if you can ever show me a mass-mailing come-on that targets the elderly that actually proves to be actually be a good deal after I look into it, I'll not only tell you it seems legit, but I'll give that company a public pat on the back for offering elders a fair deal that benefits them, and not just the company trying to take their money.
John Gear is a Salem attorney in solo practice