Square One Resolutions
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    Square One Resolutions

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    Last updated: Sept. 9, 2017

    3 Square One Resolutions Consumer Reviews and Complaints

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    Verified Reviewer
    Original review: Sept. 9, 2017

    I had never heard of someone getting their private student loan debt reduced, so at first I was worried that they were a scam, but I was so wrong. They spent a great deal of time explaining things and that there are specific strategies used to get private student loans reduced. I enrolled and one day they sent me an offer and I couldn't believe it, it was to pay back less than half my loan. I had just gotten my tax return and I was ready to take the deal, but they said to wait until the end of the month because they might be able to do better. They had me write a letter about my medical condition and then sure enough by the end of the month I had a settlement deal to pay only 34% back with a reasonable lump sum and the remainder over 7 years. I saved over $100k!!! I told Navient about my medical condition at least 5 times and they never cared. I don't know how Square One Resolutions did it, but it worked and I'm really happy I stayed in the program.

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    Verified Reviewer
    Original review: April 4, 2017

    I was looking for options on my Private Student Loans and they were very patient and helpful. I now know what needs to be done. I thought the process was going to be complicated, but they made it easy to understand. I will definitely recommend them to my friends.

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    Verified Reviewer
    Original review: April 12, 2016

    My grandson got a student loan. They needed a co-signer. My mistake. He failed. Made no payments. Contacted Square one. Sallie Mae made offers. Square One kept telling me not to pay which is what I wanted to do. It has been written off. At 73 I have lost my credit that was almost 800. Now 343. Dishonest company. No action. Just a monthly bills to them.

    3 people found this review helpful

    Square One Resolutions expert review by Barbara Friedberg

    Square One Resolutions specializes in solving student loan debt. The firm gathers the client’s student loan information and additional details and works with attorneys and lenders to resolve the underlying debt. They have a variety of programs designed for the individual’s specific situation.

    • Services: Square One offers private student loan protection, school closure services and federal loan challenge repayment options.

    • Support: Clients have access to customer support online or over the phone.

    • Custom plans: Square One provides custom services that fit with each client's individual needs, so fees are unique for each consolidation plan.

    • Focus on for-profit school loans: The company targets for-profit schools to hold them accountable and challenge the debt of their former students.

    • School closure services: Square one helps former students of closed private schools interact with the Department of Education to reduce and possibly forgive the individual’s qualifying federal loans.

    • Federal repayment challenge: Square One helps students petition the department of Education and seek loan forgiveness under a specific provision of the Direct Loan promissory note called the “defense to repayment” if they believe the school’s federal loan actions were in violation of the law.

    • Best for: former students of private institutions of higher education with excessive student loan debt.

    Profile picture of Barbara Friedberg
    Barbara Friedberg

    Personal Finance Contributing Editor

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    Barbara Friedberg, MBA, MS is a former investment portfolio manager with decades of financial experience. Friedberg taught Finance and Investments at several universities. Her work has been featured in U.S. News & World Report, Investopedia, Yahoo!Finance and many more publications.

    Square One Resolutions questions and answers

    What problem is Square One Resolutions trying to solve?
    Too many people who attended a for-profit school have debts that they cannot afford and that they should not be even asked to pay. Yet, collectors seeking payments on for-profit school debt do not stop, even though the schools made promises that they could not keep. Our company seeks to challenge the ability for a collector to even ask for more money and reduce the student’s payments structure and overall debt burden.
    What sets Square One Resolutions apart from the competition?
    Some companies consolidate student loan debt. Some companies engage the collectors directly to settle student loan debt. Square One Resolutions gathers student information, and through collaborations with consultants and attorneys, directly challenges lenders and collectors in their abilities to collect at all. Square One Resolutions charges for these services, locking in an interest-free payment plan that saves students upwards of 60% over the life of the original loans they entered into.
    What needs does Square One Resolutions fulfill, and how do you fulfill those needs better than your competition?
    Many former students of for-profit colleges in America have been sold a worthless degree at a premium cost. In seeking to better themselves and their families, they entered into crippling student loan agreements, added no real value to their resumes and then were forced to fall back into the same low-paying jobs they had before entering school. Our company is the only company in the country that will accept a significantly lower payment from the student and promise them that that payment is all they will ever pay. And they won’t pay the lender. It is new. It is innovative. And it can be scary to new consumers. But we are undaunted. This system of over-lending, of promises of jobs that never existed must be challenged. It must end. And we will be here.
    How does Square One Resolutions measure success?
    Client satisfaction. Period. We seek this through the forced cancellation of underlying debt through the collection of client information, school and lending experience.
    What’s the most common misconception consumers have about your industry?
    Consumers do not trust the promises made by companies in this industry. Unfortunately, there will always be bad actors, taking advantage of those that are just looking for help with their payments. We stand by our promises and make guarantees that the only fees paid by the consumer to us are the only fees they will pay in the entire life of the loan from the school or lender. No payments to the lender. No payments to the school. No payments to lawyers or to courts. No exceptions. Ever.
    How has your industry changed in the last 5 to 10 years?
    This industry has changed by constantly innovating to match the increasingly-aggressive tactics of the debt collection industry. Square One’s flagship program, Private Student Loan Protection, is a perfect example of this innovation. It focuses on challenging the collector’s right to collect a debt that was most likely based on false promises within the for-profit college lending space.
    What is something you wish every consumer knew about Square One Resolutions?
    Square One Resolutions is on the cutting edge of the challenge-end of the industry and that we take our role in helping consumers reduce their overall payments structure very seriously.

    Square One Resolutions Company Information

    Company Name:
    Square One Resolutions
    (858) 799-0541

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