Your Path

To Student

Loan

RELIEF

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Why Choose Higher Level Processing

At South Coast Doc Prep, we live and breath Federal student loans. We’ve served over 17,000 clients throughout our six years in business. We deliver results and reduce the financial stress associated with Federal student loans. Give us just five minutes of your time. We will assess your situation and provide an overview of your repayment program options.

Loan Forgiveness

You may qualify for full or partial loan forgiveness. There are a number of options available. HLP wins loan forgiveness for clients everyday

Lower Your Payment

There are over seventy federal programs that can help lower your payment or shorten your loan term.

Federal Programs

Don’t assume you’re ineligible. There are a number of federal and state-level programs with limited qualifications.

Our Services

Assessment

We’ve refined the critical discovery steps. Spend a few minutes with us on the phone, review your FSA history and we’ll collect the facts that we need to HLP you!

Case Files

Identifying the optimal repayment program
must be supported with a robust case file. There are no shortcuts, but the heavy lifting we do on your behalf will payoff.

Annual Re-Certification

Income-based programs offer some of the strongest benefits, but do require annual re-certification of employment/income. There is no need to worry. HLP manages all the details.

Program Options

The repayment program options are detailed and varied. The good news is that we’ve helped over
15,000 Clients. Our
proprietary system considers every option and is frequently updated.

Documentation Prep & Processing

To realize the monthly payment reductions, or other benefits, there are a number of administrative requirements which Higher Level Processing manages for you.

WE don’t ASK FOR A DIME UPFRONT

Loan / Client Assessment – No Up-front Fees
Repayment Program Options – No Up-front Fees
Case File Development – No Up-front Fees

What Do They Say About Us?

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Travis Johnson

I finally feel some relief. I hit a bad patch whereas I needed to basically live off my credit cards for 6 months. Monica from SCDP stayed on the phone with me for an hour feeding me valuable information about debt consolidation for my student loans. I now have 1 affordable loan payment every month and can finally breathe. Thank you SCDP!

Isabella Gonzalez

South Coast made it very easy to pay off of my loan. During the pandemic they even worked with me and gave me call if I was unable to pay it but I advise to keep my payment the same. Thank you South Coase for getting me out of student loan debt. I will definitely recommend to my friends and family. Made my life very easy

Sophia Nguyen

Couldn’t be more grateful they were able to help me with my student debt! So professional every time I’ve called or received a call they have been so helpful and kind. They definitely valued my time as a busy mom and made everything so easy to complete! 10 out of 10 would highly recommend!

Knowledge Vault

STUDENT LOAN FACTS

Federal Student Loan Facts That Could Be Costing You Money

(and how we help you save)

1. Interest adds up fast.

Most federal student loans charge between 5%–8% interest today. On a $40,000 balance, that’s easily $200–$300 a month in interest alone—before you even touch the principal.

2. Income-driven plans aren’t always fair.

Yes, there are programs like SAVE, PAYE, and IBR—but the formulas often keep borrowers in debt for decades. Many people pay for 20+ years and end up repaying more than they originally borrowed.

3. Collections are aggressive.

If your loan goes into default, the government can garnish your wages, seize your tax refund, or offset Social Security benefits—without even going to court.

4. Forgiveness isn’t guaranteed.

Public Service Loan Forgiveness (PSLF) and forgiveness after 20–25 years of income-driven repayment sound good, but only a small percentage of borrowers actually qualify or make it through the process without issues.

5. Consolidation isn’t a solution by itself.

Consolidating can simplify payments, but it doesn’t reduce your balance or guarantee lower payments. Many borrowers mistakenly think consolidation = savings, when it’s really just moving debt around.

6. Federal loans can double in size.

With late fees, interest, and collection charges, a $25,000 loan can balloon to $50,000+ if ignored.

REPAYMENT PROGRAMS

Federal Student Loan Repayment Plans

1. Standard Plan

Fixed 10-year payoff

Fastest, but highest monthly payments

2. Graduated Plan

Payments start low, increase every 2 years

Good if income will rise

3. Extended Plan

Up to 25 years

Lower payment, but much more interest

4. Income-Driven Repayment (IDR)

Payments based on income & family size

Includes IBR, PAYE, ICR

5. Income-Based Repayment (IBR)

10% of discretionary income

Forgiveness after 20 years

More borrowers eligible (hardship rule removed)

6. Public Service Loan Forgiveness (PSLF)

120 payments in public service job

Balance forgiven — but strict rules apply

Important Updates

SAVE plan blocked — no longer available

New RAP plan starts 2026 → minimum $10/month, forgiveness after 30 years

Many plans end in 2026 — act now to lock in current options.

HARDSHIPS

Federal Loan Hardship Options