Results & reviews
The outcomes people remember are the ones that changed their month.
Below are real reviews from borrowers we have worked with, and illustrative examples of the situations we handle. We are careful with claims here on purpose, because no one can promise a government decision.
Illustrative examples
The shape of what is possible
These examples show the kinds of situations we work in. They are not typical or guaranteed results.
Freed up roughly $600 a month in cash flow
A borrower with about $75,000 in federal loans, a moderate income, and a household that improved their repayment math moved onto an income-driven plan that fit their budget.
A confusing forgiveness path became a tracked plan
A public-service borrower with about $120,000 in loans got their employment certified, their payment count reviewed for errors, and a clear path toward tax-free forgiveness.
Stopped the garnishment and got back on track
A borrower facing collections on about $60,000 in defaulted loans completed a resolution process and returned to good standing with a manageable payment.
These are illustrative examples of the kinds of situations we work in, not typical or guaranteed results. Every borrower's situation is different, and eligibility and outcomes are determined solely by the U.S. Department of Education and your loan servicer.
In their words
What borrowers say
“Your professionalism, knowledge, and guidance made what could have been a very challenging process much more manageable. I am grateful for the positive outcome.”
“Rachael always communicated with me and gave me reassurance that the team was on top of every change before and after the federal changes. I am grateful to have had her talk me through the necessary steps.”
“I had no idea about the programs and options they suggested for me and for my daughter. I am honestly blown away. You are already changing my life.”
“I thought my loans were unmanageable on a single income with four children. After they went into default my wages were being garnished. They put an end to that and got me to a payment I can actually live with.”
“I graduated two years before my college shut down. I felt cheated. With their help I successfully petitioned for borrower defense and moved forward with my life.”
“They ran me in circles for years. For the first time I could actually consider future goals. They went on to help my entire family. There is no way I could thank them enough.”
Reviews reflect individual experiences and are used with permission. Results vary and are not guaranteed. Eligibility and outcomes are determined by the U.S. Department of Education and your loan servicer. Lumea Financial is not affiliated with any government agency.
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