No. No company or consultant can guarantee student loan forgiveness, because approval is entirely determined by the U.S. Department of Education and your loan servicer.

What I can guarantee is:

• You will receive expert guidance based on nearly 20 years in higher education and financial aid.
• You’ll get clear steps to help you understand what forgiveness programs you may qualify for.
• I will help you avoid mistakes, misreporting, and missed deadlines that commonly derail forgiveness.

I guarantee honest expertise, high-quality guidance, and professional documentation, but I cannot guarantee specific outcomes such as forgiveness approvals or exact credit score increases.

Credit bureaus, lenders, and the Department of Education make final decisions — I help you put your BEST case forward.

Instead of “repair,” I use credit restoration and credit rebuilding strategies.
My process includes:

• Reviewing your full credit report for accuracy
• Identifying errors, outdated information, or violations
• Developing a personalized dispute or restoration plan
• Guiding you on payment strategy, utilization, and score-building habits
• Providing letters and tools to help you advocate for yourself

Coaching you on how to rebuild credit the right way

Every credit profile is unique, but clients typically see progress within:

• 30–45 days for initial dispute responses
• 3–6 months for significant rebuilding
• 6–12 months for major transformation
  Your timeline depends on your goals, your report, and how quickly bureaus and creditors respond.

Results vary based on your credit history and the items being addressed.
Clients commonly see:

• 20–50-point improvements with basic corrections
• 50–100 points or more when rebuilding is combined with new positive credit habits
  While no one can promise an exact number, most clients experience steady score growth when they follow the plan consistently.

I can assist you in disputing or correcting inaccurate, outdated, or unverifiable information, including:

• Inaccurate personal information
• Late payments
• Collections (paid or unpaid)
• Charge-offs
• Duplicate accounts
• Incorrect balances
• Accounts that do not belong to you
• Student loan reporting errors
• Hard inquiries (in specific circumstances)

Monday – Saturday | 10:00 AM – 6:00 PM EST
Evening or weekend appointments may be available by request.

Brownova Consulting provides support with:

• PSLF (Public Service Loan Forgiveness)
• Income-Driven Repayment (IDR) plan selection & enrollment
• Loan Consolidation
• Borrower Defense, Closed School, and False Certification applications
• Lender Complaint
• Credit reporting errors related to student loans

You get step-by-step clarity on what to do and what to submit.