No More Student Debt
*
*
HOW I GOT CONTROL OF THESE...
WHILE DEALING WITH THIS...
DATE:
Dear Student Loan Victim,
My name is Michael Maloney, and I know how you feel. I was once in
the EXACT same position as you.
Now, I work a corporate job in New York City and wake up every day
excited about what’s to come
You can say I live a worry-free lifestyle...
I have an amazing social life, travel often, have begun to love the
outdoors and have become an avid reader for the first time in my life.
I don’t stress about money or bills
But, this hasn't always been the case. I've been through some really
difficult times...
I grew up in a wealthy town in New York, my dad had great job, and
life was easy...
You name it, I was doing it. Fancy dinners, concerts, sporting games,
and every other excess in life. Money was never an issue. This was the
case for over 17 years
THEN EVERYTHING CHANGED...
Just as I started thinking about college, my world was turned upside
down...
My father lost his job and things started getting pretty rough. Did I
mention I had 7 brothers and sisters?
That’s 8 different mouths to feed, healthcare to provide for, and
clothes to put on their backs. Oh, yeah, one of my sisters was legally
blind and one just had a mistake baby...
With costs continuing to build up and my dad without work, our
financial situation was a mess. We all know how stressful having no
money can be and my family was no exception
One of my brothers took the whole situation very badly and started
getting into a lot of trouble with the law. Well, he ended up in jail.
My family was completely distraught and things only got worse...
The IRS came and auctioned off our house, my parents couldn’t stand
each other anymore and got divorced and the family split up
Some of my family moved in with my mom and her parents, and I moved
in with my dad into a 1 bedroom apartment in a low income neighborhood
I mentioned it was a 1 bedroom, right? That meant the couch for me.
I’ll never forget sleeping on that old, uncomfortable thing.
It sucked...
As I mentioned, this was right in the middle of looking at college.
Boy, had things changed in the past couple months...
I went from living in a huge house thinking my college was paid for
to living on a couch with no idea if I could even afford to go to
college anymore
Talk about being overwhelmed....
Yet, things only continued to get worse. My dad kicked me out of the
apartment, so I was homeless...
I bounced around living on friends couches for a couple of months,
but that was only making me more depressed. They were all off to
college soon and taking the next step in life, while I was a broke,
homeless mess
When all my friends moved on to college, I called a nearby uncle and
he was nice enough to let me live there. I actually think he just felt
sorry for me
But he did have an actual bed for me. Wahoo!
I started working odd jobs that I found in the newspaper. Helping
people move, babysitting, you know, the typical odd job work..
But that wasn’t for me. I knew I needed a degree in order to get
anywhere in life, so I started applying to colleges...
My grades from high school got me accepted, but certainly weren’t
high enough to get me any scholarships. Sure, I got a small amount of
money because of my situation but have you seen the price of college
these days?
Going to college would cost well over $200,000 in just tuition alone!
Not to mention the price of books and living expenses...
I started to look into taking out loans and
I FACED THE BIGGEST CHOICE OF MY LIFE...
Don't go to college and keep working low paying jobs or take out a
hundred thousand dollars in loans to get a better job after
Everyone I spoke to strongly urged me to go to college. I’d be
stupid not to, they said...
So I took out the loans and went to college.
But school was tough.
I got no support from anyone.
My Loans = My Problem.
I went to 4 different schools in 5 years, determined to get that
degree.
But the LOANS WERE WEIGHING ON ME
I couldn't stop thinking about them and whether this "education" I
was paying for would help solve anything.
But I didn’t really have a choice, so I just ignored the loans...
Every semester I would go back to the loan office and apply for my
loan.
The letter would come a few weeks later, $15,000 more!
How much did I owe now? $70,000? $80,000? $90,000?!
The more I ignored the loans, the more I could feel them pushing down
on me.
As college graduation neared, I started looking for a job and things
only got worse.
If I couldn't get a job, how would I pay back my loans?
I GRADUATED COLLEGE WITH $118,000 IN DEBT...
I had no idea how I was going to pay any of these back or even make
the first couple of payments...
Getting a degree was supposed to be the greatest investment in my
future, but it was looking like
THE WORST INVESTMENT OF MY FUTURE...
My whole life, I was told I need to get a degree. It’s a must.
Worry about the payments later...
So that’s what I did. I just kept letting the mounds of debt build
and build. I would figure out how to pay it later...
I always assumed my degree would guarantee that I’d get a great job
and be able to pay off my loans in NO TIME.
Wishful thinking by me...
Well, later came and the debt was STILL HERE. I hadn’t landed the
job my degree promised me and honestly, I felt...
like I had been lied to.
I was told so many reasons to take on the loans, but no answers on
how to PAY THEM...
I had no idea what to do and had millions of questions like:
* What is the fastest way to pay off these loans?
* What help can I get?
* Is there anyway to get these reduced?
* What if I don’t pay off these loans?
Yet, I found..
NO ANSWERS
I searched around the web and came across terms like:
* FORBEARANCE
* DEFERMENT
* DELINQUENCY
* CONSOLIDATION
but honestly... they meant NOTHING to me. As far as I was concerned,
this was a different language...
I asked friends and family, but they really had no idea. So once
again, I was lost. I felt like I was hopeless...
That was until one day it hit me. No longer was I going to sit around
and waste anymore time letting my debt build up. I became a man on a
mission. I was determined to
GET RID OF MY STUDENT LOANS...
I literally locked myself into a room for 2 months and did nothing
but research and seek answers...
I was three months out of college and didn’t have a single job
prospect. So, I took advantage of my free time. I spent 7 hours a day
during the week and 10 hours a day on weekends, going through books,
articles, websites, and anything else I could get my hands on.
That’s 55 hours a week! It was now or never for me. My life was not
going to be run by my student loans...
I learned everything there was to know about student loans. I
researched exactly how they work, who is behind them, why I was
targeted, what options are available and most importantly,
WHAT I NEEDED TO DO...
440 hours (yes I kept track) of intensive studying later, I began to
finally see the big picture. Things started to become clear to me. I
was no longer a helpless victim of my loans. For the first time in
years, I was in charge.
I began putting my vast amount of knowledge to work and you know
what, it started to pay off. Big Time.
USING THESE 4 SIMPLE STEPS...
* FINDING OUT WHAT I HAD - Before I was able to make any progress, I
needed to figure out exactly what types of loans I held.
* DETERMINING WHERE I STOOD - I determined where I was in the
borrowing process and what my current situation with my outstanding
loans were.
* UNDERSTANDING WHAT I CAN DO ABOUT THEM - learned that there are
tons of options for me based on my current loan standing. I could
postpone payments, strategically choose which payments to make and
even eliminate some of my debt! There are always options, but I had to
figure out what they were and which ones were available to me.
* DOING IT - I needed a way to take action on the information I just
learned. There were plenty of money saving options but these required
me to fill out forms, make phone calls and provide specific
information. I had to take action!
LED TO RESULTS THAT WORKED
Finally, I knew where I stood with my student loans. This meant
determining exactly what types of loans I had. Sure, I had always
known the names and some of the basic information, but I didn’t
really know any of the details. I now had a clear picture of the
fundamental workings of my loans and what they meant compared to the
other loans out there.
Now that I knew what I held, I had to determine where I was in the
borrowing and repayment process. No one I had consulted about my loans
mentioned anything about this, but my research taught me that it’s
just as important as anything else.
SOOOO many people overlook this part, but it’s just as important as
anything else. Why, you might ask? Because depending on where you are
in the borrowing process, your loan situation and options vary
greatly. For example, someone with the exact same loans 3 years into
the repayment process that have already exercised deferment options
will be a vastly different situation than someone just starting out
that has exercised no options.
After doing my research, I finally understood that I would qualify
for a ton of different options because I was new to the repayment
process. On some other loans, however, I needed to make sure I was
paying on time because I had exhausted my options. It was at this
point that
MY LIFE BEGAN TO CHANGE...
For the first time since I was a in high school, I had regained my
PEACE OF MIND! My preparation and determination gave me the answers I
was looking for...
I knew what loans I had and where I stood. This opened my eyes to all
the possibilities and I no longer felt trapped beneath my student
debt. I was now able to use the tools available at my disposal. I only
knew what these tools were because I had done vast amounts of
research.
To give you a sense of how my research helped me, I’ll give you a
small example of how my efforts helped me get organized:
My federal loans were really causing me big problems while looking
for a job. I had interviews all the time, but they were in New York
City. That meant transportation costs. I determined each time I had to
go in for an interview, it would cost me $35. I was averaging 3
interviews a week. That’s $420 a month just to find a job! Forget
about being able to pay my loans. I had no money for groceries and was
pretty much forced to eat ramen noodles every night. I knew if I could
just put off my loans for a little bit, I would eventually land a job
and be able to pay them off.
Through my research, I was able to put off my payments for several
months with something called deferment. Deferment allows you to put
off your payments for a certain period of time. Using this option, I
was able to spend money on costs associated with getting a job, then
started paying back my loans once I had the job.
This was just one of the MANY ways my research had helped me
GETTING A HOLD ON MY DEBT SITUATION AND STUDENT LOANS COMPLETELY
CHANGED MY LIFE...
NO LONGER WAS I
* FEELING CLUELESS
* FEELING TRAPPED
* FEELING OVERWHELMED
* FEELING HOPELESS
* FEELING BEATEN
* FEELING BROKE
* FEELING PATHETIC
* FEELING CHEATED
I Felt GREAT.
I GOT MY LIFE BACK...
No longer am I hopeless, letting my student loans control the way I
live.
I am able to buy a slice of pizza and not worry about the $3.75
affecting my ability to pay the a student loan bill for the month. I
understand how this affects my finances and how much money I need that
month.
I am able to meet up with friends for a drink again and not have to
be embarrassed about not being able to afford it. I make smart
decisions about my social life and budget accordingly.
I have even saved money for things I want to buy in the future, like
a car, apartment, or even the possibility of going back to school..
Basically, my future is whatever I decided it will be, not what a
bunch of bankers and lenders decide.
THEN ONE DAY I WAS READING THE NEWSPAPER AND READ ABOUT...
THE MASSIVE STUDENT LOAN PROBLEM...
Over one TRILLION dollars in student debt is outstanding and millions
of students are struggling with their student loans. They are JUST
LIKE ME.
I tried to ignore it for a while. Say it wasn’t my problem. I found
my way, they will find theirs. I have other stuff to deal with. But, I
couldn’t. I had no choice. Why should banks and lenders continue to
make money on people who don’t know any better? It just wasn’t
right...
I HAD TO HELP
I knew how everyone felt, I had been there. Yet, I was in a better
place now. I knew things they didn’t. So, I decided to do the only
reasonable thing and lock myself back in my room. I was BACK on a
mission. A new mission. Not for myself, but for you...
I took my hundreds of pages of notes and started putting together an
actionable guide full of everything I had researched. In order to
solve such a large problem, it had to be perfect. I wouldn’t settle
for anything less. I couldn’t.
At first, the guide read like a confusing textbook. The kind of thing
that was confusing the hell out me in the beginning, so I started
over...
I looked at the questions I originally wrote down and put myself back
into that beginners mindset. But that wasn’t enough. I needed to
hear other peoples concerns too. I called up everyone I knew who had
student loan problems (boy were there a lot) and grilled them about
their concerns. Any question they had, I needed to have the answer...
I made everything as simple as possible. I wrote it as if it was me
trying to understand this crazy world for the first time, before I
knew what I did.
After 151 hours (I kept track, again), the No More Student Debt guide
was created. It contained EVERYTHING I EVER LEARNED about student
loans and...
WHAT YOU NEED TO KNOW...
IT CONTAINS...
* My 3 ingredients of failure for why you’re in this mess to begin
with
* Everything you need to know about student loans and how they work
* What the different types of repayment plans are, the
benefits/disadvantages of each, and whether or not they are right for
you
* What delinquency and default really means for you and how to avoid
them
* What to do if you have already entered delinquency or default
* Options available for anyone that you MUST take advantage of
* Real-life examples of situations you need to avoid and how to
avoid them
* My simple 4 step plan describing the road to student loan recovery
and an example of how you can use it
* The secrets to paying back your debt fast
Everything that worked for me is included in the guide and it’s
explained as simply as possible. In fact, I even had my little brother
(who is 15) read through it and he had no problem. Actually, he said
“THIS IS EASIER TO READ THAN MY 8TH GRADE READING LIST.”
Simple is great, but I wanted to make sure it was informative, too.
So, I took it to one of my old college professors and HE WAS IN SHOCK.
He even went as far as saying
“THIS IS THE MOST RESOURCEFUL GUIDE ON STUDENT LOANS I’VE
SEEN...”
and
“...THIS SHOULD BE REQUIRED READING FOR ANYONE IN STUDENT LOAN
TROUBLES.”
I was thrilled with the feedback so far, but it wasn’t enough. I
needed to hear from those who are actually in this mess. Simple and
informative are both excellent starting points, but the real question
is:
DOES IT WORK?
So, I decided to look for some real feedback and heard this..
“IT WILL CHANGE YOUR LIFE..”
In fact, the positive reviews from friends and former classmates
began pouring in. It was a little overwhelming to respond to all of
them at first, but here is what some folks have told me...
"Mike, I cannot thank you enough for this program. It has made clear
everything I've felt like I've been missing in regards to my student
loans. I am now able to enjoy my life without having to stress out
about my loans every waking moment."
Chris C
San Diego, CA
"When I first started repaying my student debt over a year ago, I
felt like a lost soul. I searched all over the internet for advice on
what to do, but found either no information or information that was
wayyyyyy too complicated to understand. A friend recommended No More
Student Debt to me and boy, was I surprised! The program gave me a
background on everything in simple, clear terms. I finally feel like I
understand the mysterious workings behind the thousands of dollars I
owe and how I should repay them."
Gavin B
Philadelphia, PA
"Thank you for this program! I have been sooo overwhelmed with my
student loans ever since I graduated in 2010, but this has helped me
tremendously. I have used your recommended steps and now feel like I
know what I am actually doing. This should be required reading for
anyone with student loans!"
Colin P
Long Island, NY
"The information you've provided in the program is priceless! From
understanding the types of loans I have to actually formulating a plan
to pay them back and everything in between, this book has been a
lifesaver for me. It's all laid out in a clear, understandable way.
This is a huge relief from everything else out there. I cannot thank
you enough."
Kevin B
Philadelphia, PA
"I wish I had read through your program BEFORE I took out any loans.
Where were you then? Regardless, this program has given me several
valuable tips in determining what types of tools I have at my
disposal. No one ever mentions these points to you beforehand and
you’re just expected to figure them out for yourself. Well, Mike,
you’ve certainly figured it all out for me!"
Mike M
New York, NY
"Deferment, Forbearance, what? I was thousands of dollars in debt and
clueless to what these terms and all the others meant before I read
this program. Now I know exactly what they mean and more importantly,
how I can use them. You're great. Thanks."
Kevin F
San Francisco, CA
"You showed me exactly what my specific type of loan means for me,
the advantages and disadvantages of choosing different types of
repayment plans, what to do in different situations, and even a few
ways to help cut costs and make extra money to pay loans back. What
else could I possibly ask for? This thing is worth its weight in
gold."
Billy S
Canton, OH
It became clear that my hard work was paying off and you know what?
It’s been worth every second! Along with my freedom from the
shackles of debt that used to chain me down, I have been able to help
people that I care about. I love being able to help people when I can
and that’s exactly what I was doing.
But, It dwelled on me. I had...
ONE FINAL PROBLEM...
How was I going to get this in the hands of those who need it? How
would I get this into YOUR HANDS? I could walk around from door to
door and see who needed it, but that didn’t seem realistic. So I
decided to talk to some friends.
They mentioned the internet and how I might be able to reach
thousands, if not millions, of people. This seemed like a great idea,
but with my little knowledge, I knew it would cost a lot of money.
They recommended I charge for the book...
But that wasn’t my goal. I wanted to help people, not take their
money. I was told that if I didn’t charge for it, I’d be paying
thousands of dollars for all the associated costs. This is an
INVESTMENT for them, everyone said. They even said that most people
think nothing comes of value from a free product, so they are less
willing to try it.
So, I took their advice and decided to accept payments for the
product. They said I should sell it for at least $50, but that seemed
like too much. It offers so much value they said, but I didn’t care.
I took their advice and decided to charge an amount to cover costs. I
didn’t know the first thing about selling a product, how much do I
charge? One friend said he would have paid at least $100 for all the
information in the book, another said $150. But that didn’t seem
reasonable. I’m trying to help the people who need that money most.
I set the price at $27, but my friends kept urging me to raise the
price. I didn’t listen to them for a while, but customers started
telling me the same thing. They said
“THIS GUIDE IS PRICELESS AND IT’S WORTH AT LEAST DOUBLE THE
PRICE”
Well I didn’t think it was right to double the price, but the high
demand for the book increased my expenses and I couldn’t afford to
lose money. So I had to raise it...
It’s funny, because I am still hearing the same feedback about the
price being too low and my costs continue to increase...
I can’t promise the price won’t change tomorrow, but if you order
right now, you’ll lock in the current price. In fact, you can even
try it
RISK FREE
That’s right. You can order the program and you’ll have a 60-DAY
MONEY-BACK GUARANTEE. I am confident it will provide TONS of valuable
information for you, but you can return it within the first 60 days
with no questions asked. But before you do so, there is one more thing
you should know...
Actually, many have called it something other than a guide before.
After all, it will save you time, frustration, and money. Friends call
it an...
INVESTMENT IN YOUR FUTURE...
If you learn just one thing in the guide and are able to pay your
debt back just a few months faster, wouldn’t it be worth it? It
would save you HUNDREDS or even THOUSANDS of dollars in interest
payments.
Say you have $40,000 in outstanding loans and 10 years to pay them
back your loans. If you’re able to pay them off in 9 years, instead
of 10, you’d save $2,000 on a 5% interest rate loan. I am no finance
guy, but paying ONLY $37 to save thousands seems like a pretty good
investment to me...
HERE IT IS
It includes:
* Understanding the Types of Student Loans Out There
* What's Wrong With America's Education System
* Best ways to Repay Your Loans
* What happens when are you delinquent or default and what to do
about it
* All Possible Options available to you
* Pitfalls to avoid
* Setting up a plan, the simple way
* Paying it back
$37
BUT WAIT, THERE'S MORE...
The guide isn’t all you will get. There is so much of your life
that your student loans can affect and you need to know how to
properly manage them.
For one, your credit score affects your ability to borrow in the
future. If you’re having trouble making loan payments, your credit
score will certainly be affected. I know mine was. In fact, having a
damaged credit score can cost you thousands of dollars. So I created
everything YOU NEED TO KNOW ABOUT RAISING YOUR CREDIT SCORE...
…But the first step is finding out your credit score. I was tired
of all the scams telling you how to find out your credit report for
free, and then charge you. I found out the easy, free way with no
scams attached and am giving it to you. There is one more thing...
MAKING EXTRA MONEY IS KEY...
Making extra money to supplement your income is key to paying back
your loans. You must increase your revenue. Even $50 or $100 extra
bucks a month helps. Well you can do that. There are quite a bit of
scams out there telling you how to do it, but this is a real, honest
way. It has over 10 simple ways that people are making millions on the
internet. I have personally tried each of them and can vouch for how
well they work...
I would normally charge for these since they increase my expenses,
but for only the time being you can...
ORDER NOW AND RECEIVE THESE...
It includes:
* Simple step by step instructions to get your credit score the FREE
way
$15.99 FREE
It includes:
* What goes into the credit score calculation
* Why a Credit Score is IMPORTANT
* How damaging your Credit Score can hurt you
* The REAL WAYS to RAISING Your Credit Score
$21.99 FREE
It includes:
* Best places to make money to help with LOAN PAYMENTS
* Step-by-step instructions for navigating these money making
websites
* GREAT FOR PAYING BACK STUDENT LOANS
$19.99 FREE
Value: $94.97 Price Today $37
The book and bonuses will be instantly downloadable after the
purchase. Instead of waiting days or weeks for a book to arrive in the
mail, you can start reading it in minutes.
You can read the program on the computer, or print it out. It’s up
to you.
The order button will direct you to a secure page for the transaction
by Clickbank. Clickbank is a secure online payment processor and has
processed millions of orders. Upon confirmation of your order, you
will be immediately directed to a download page to download the e-book
program and free bonuses. The e-book and free bonuses will be in PDF
format, so you will need to have Adobe Reader installed. Most
computers already have Adobe Reader installed, but if not, you can
download it for free.
If you have any questions about the program prior to or after your
purchase, please email me at StudentLoanMike [at] gmail [dot] com
Your Friend,
Michael Maloney NoMoreStudentDebt.com
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