On February 7, 2018, this company was sued by the Federal Trade Commission for practices related to their student loan debt relief operation. The United States District Court entered a Preliminary Injunction Order on November 29, 2018, and appointed a Receiver to take possession and control of American Financial Benefits Center d/b/a AFB and AF Student Services, AmeriTech Financial, and Financial Education Benefits Center. The Receiver conducted an investigation, issued a report to the Court, and has permanently suspended operations of the businesses.

We recommend that you immediately contact your student loan servicer. A list of student loan servicers can be found at: For free information about repaying your federal student loans, go to

The Receiver has established a webpage with information about the lawsuit which will be periodically updated.

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Knowledge Base

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Read more...Student loan jargon can be hard to parse through without getting confused. Sometimes reading documents or instructions can be like trying to decipher another language. That’s why we’ve created a comprehensive glossary of student loan definitions. If you’re confused about any word you come across just look through our glossary.


Default happens when the borrower has failed to repay a loan. For the FFEL and Direct Loan programs, your loan will go into default if you fail to make a payment for 270 days, if you repay monthly (or 330 days, if your payments are due less frequently). Your lender will then report the default.

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A federal student loan benefit that borrowers are entitled to. Forbearance will temporarily stop your payments or reduce your federal student loan monthly payment. Interest will continue to accrue on all loans. You are given three years’ worth of forbearance time for each loan you take.

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Loan Ser·vic·er

This is the company that handles the billing and other services on federal student loans. They collect the interest on your loans and this is the company you make your student loan payments to.

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