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Sign the Student Loan Consolidation Processing Agreement, choose your desired pricing and service level and provide your start date.

Student Loan Consolidation Processing Agreement

Please read and scroll to the bottom of this agreement to digitally sign it.

This Agreement sets forth the terms and conditions of this contract entered into between You, the client, and bSquared Credit. This Agreement contains the required service terms and conditions and all legally required disclosures and cancellation information necessary to provide You with student loan Rehabilitation services.

Student Loan Consolidation Services Terms and Conditions

bSquared Credit's Commitment to You

bSquared Credit will provide You Student Loan Consolidation Services:

• Once Your questionnaires, paperwork and your initial service fees are received, bSquared Credit will begin processing your consolidation services.
• bSquared Credit will analyze Your provided information, and perform any necessary research in order to carrying out its duty to complete your consolidation work.
• bSquared Credit will provide You with document processing services to modify Your federal student loans as per our written proposal. bSquared Credit will execute Consolidation services and implement a modified monthly payment on Your loan(s) offered by the Department of Education (DOE).
• All services performed by bSquared Credit are controlled, and time managed to expedite the modification processes. Be advised that Federal Student Loans completed by bSquared Credit rely on respective lender(s), promptness in their administration of services; and therefore, cannot be held liable for any delays in completing consolidation services. The Average time to complete a Federal Student Loan consolidation services is 60 days.
• bSquared Credit will provide You email support with consolidation services.

Your Commitment to bSquared Credit

You are retaining bSquared Credit to provide Student Loan Consolidation Services on Your behalf and agree:

• You will select your desired pricing terms from the pricing table below and will pay the full service fees due.
• You will monitor Your email and provide timely responses to bSquared Credit when tasks are requested to be completed by You.
• You understand that if You fail to complete the tasks assigned to you throughout the modification process it could result in the cancellation of services by bSquared Credit and/or the DOE as each task has a deadline assigned by the DOE.
• You understand that bSquared Credit will be the merchant reflected on Your payment card statement.
• You expressly represents and warrants that You will at all times, provide bSquared Credit with information that is complete, accurate and true to the best of Your knowledge.
• You understand in the event that this contract is breached by You, including but not limited to Your failing to pay the agreed upon service fees bSquared Credit reserves the right to discontinue services.
• You acknowledge that bSquared Credit is not a law firm, and that bSquared Credit cannot provide you tax or legal advice.
• You acknowledge You have not been advised by bSquared Credit to forgo making student loan payments in exchange for any good faith payment and federal student loan consolidation program. You understand you are responsible for making Your payments as agreed, and failure to do so could disqualify You from qualifying for DOE programs.
• You authorize bSquared Credit to verify Your income and expenses that you provide to obtain Your Federal Student Loan modifications approval. 
• You understand the information bSquared Credit obtains is only to be used in the processing of Your Application for a Federal Student Loan consolidation through the DOE.

 Student Loan Processing Required Disclosures

Consumer Rights Under State and Federal Law:

•  Cancellation Policy: Within 24-hours of an executed signed contract, You may cancel this contract with or without reason. 24 hour cancellation period (B&P 6410(e)). B&P = Business and Professions Code.
• Arbitration and Choice of Law: This Agreement shall be governed by the laws of the State of Idaho, and any Conflict of Law provisions thereunder. In the event of any controversy, claim, or dispute between the parties arising out of, or relating to this Agreement, the parties agree to resolve all issues solely through the use of binding Arbitration; governed by the rules of the American Arbitration Association ("AAA"). Any such Arbitration shall take place in Coeur d’Alene, ID. The arbitrator shall be neutral, independent, and shall comply with the AAA code of ethics. The arbitrator or arbitration panel shall have the exclusive and sole authority to resolve any dispute relating to the interpretation, applicability, enforceability, conscious ability or formation of this Agreement and of this arbitration requirement. The award rendered by the Arbitrator shall be final; binding on all parties; and not challengeable or subject to vacation or modification. Judgment on the award made by the Arbitrator may be entered into any court having jurisdiction over the parties. If either party fails to comply with the Arbitrator's award, the injured party may petition the Circuit Court for enforcement. The parties further agree that either party may bring claims against the other only in his/her, or its individual capacity and not as a Plaintiff or class member in any purported class action or representative proceeding. Further, the parties agree that the Arbitrator may not consolidate proceedings of more than one person's claims, and may not otherwise preside over any form of representative or class proceeding. The parties shall share the cost of Arbitration, including attorneys' fees, equally. In the event that a party fails to proceed with Arbitration, unsuccessfully challenges the Arbitrator's award, or fails to comply with the Arbitrator's award, the other party shall be entitled to costs of suit, including reasonable attorneys' fees for having to compel Arbitration or defend or enforce the award. This section and the arbitration requirement shall survive termination.
• Entire Agreement, Severability, and Survival: This contract shall constitute the entire Agreement between bSquared Credit and You relating to the Document Processing Services provided hereunder. No additional outside written or verbal terms, obligations, covenants, representations, statements, or conditions, shall be deemed material to, or part of, this Agreement. No variations or modifications of this shall be deemed valid unless in writing and signed by both parties. This section shall survive the termination of this Agreement by either party.
• Legal Authorization Form: This form will serve to acknowledge that You have authorized bSquared Credit to act on Your behalf to modify Your Federal Student Loans in accordance with the DOE.
• Privacy Policy: bSquared Credit is committed to providing the highest level of security and privacy regarding the collection and use of Your personal information. Personal information may be collected from Your account application, any updated information You may provide bSquared Credit from time to time and the banking transactions processed through Your account. A description of our Privacy Policy is provided below. If you have additional questions regarding the privacy of your personal information, please contact bSquared Credit.
• Collection / Use of Personal Information: Our collection of your personal information is designed to protect access to Your account; and to assist us in providing You with the services you want and need. All personal information collected and stored by us, or on our behalf, is used for specific business purposes to protect and administer Your account and transactions; to comply with state and federal regulations; and to help us better understand Your needs in order to design or improve our services.
• Maintenance of Accurate Information: It is in the best interest of both You and bSquared Credit to maintain accurate records. If Your personal information has changed and/or You have questions regarding the accuracy of Your personal information please contact bSquared Credit.
• Limited Access to Personal Information: We limit access to Your personal information to only personnel with a business need to know. We educate our representatives about the importance of confidentiality and customer privacy. In addition, individual user names and passwords are used by only approved personnel to restrict access, and further safeguard the privacy of Your personnel information. You can help maintain the security of any online transactions by not sharing your personal information or password with anyone. Remember, no method of transmission over the Internet, or electronic storing of information is 100% secure. 
• Third-Party Disclosure Restrictions: We follow strict privacy procedures in regard to protecting your personal information. In addition, we require all third parties with a business need to access this information to adhere to equally stringent privacy policies. Personal information may be supplied to a third party in order to process a transaction You have authorized; or, if the disclosure is required or allowed by law (i.e. exchange of information with reputable reporting agencies, subpoena, or the investigation of fraudulent activity, etc.). We prohibit the sale or transfer of personal information to non-affiliated entities for their use without giving You the opportunity to opt-out. We may disclose such information in order to effectively or carry out any transaction that You have requested of us; or as necessary to complete our contractual obligations with You.
• Disclosure of Privacy Policies: We are committed to ensuring the privacy of your personal information. For more information regarding our Privacy Policy, please contact bSquared Credit. Your Choices/Opt-out: Where possible, we provide you the opportunity to 'opt-out' of having personal information shared. By providing information to bSquared Credit you are consenting to the collection, use, and disclosure of personal information in the manner described in this privacy policy.

STUDENT LOAN CONSOLIDATION PRICING OPTIONS

Option 1

Pay $360 at enrollment

Save 20% (-$90) for services

1 payment of $360 at enrollment

Option 2

Pay $126 for 3 months 

Save 15% (-$72) for services

3 monthly payments of $126 = $378

6 monthly payments of $75 = $450

Select option 1, 2 or 3 above to choose your desired Student Loan Consolidation Service fees. If you do not select an option, Option 3 will be the default option.

By electronically signing this agreement, You acknowledge that You have read, understand, and agree to the Terms and Conditions of the bSquared Credit Student Loan Processing Services and You authorize bSquared Credit to charge Your payment card all service fees per the pricing option You selected from the bSquared Credit pricing table. 

Cancellation Policy: You may cancel this agreement prior to Your enrollment and up to 3 days after this agreement is signed provided bSquared Credit is in receipt of Your cancellation notice prior to beginning services, any payments collected during that time will be refunded. 

Sign the Agreement

*There is a $25 decline fee charged for all declined transactions. Note: We are happy to accommodate payment change requests if made 48 hours in advance.