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Premier Student Aid Reports & Reviews (3)

- Hood River, OR, USA

I’ve been SCAMMED on my student loans.. and paid a company $600 to file a “claim” for loan forgiveness that they said I was qualified for. It all started when I got a call in MAY from Zoe Rae at Premier Student Aid (which is actually Elite Doc Prep Service)

After paying the $ the new loan company that they transferred the loan to consolidated it and simply made it an INCOME BASED REPAYMENT. If after 25 years the loan is not paid for then it is forgiven.

310-289-4479 Office

323 364 9064 Personal

She said that I could be eligible for student loan forgiveness by the US government because the school I went to (The Art Institute of Portland) was found guilty of unethical practices and predatory lending. Going through a snort 15-30 minute assessment she determined I was eligible for DEBT FORGIVENESS of $18,355.

Well we did further paperwork and she said I she would process the claim. Some paperwork was signed and she said the fee was 3 payments of $199.

I had a loss in 2015 of -$1,969 in my taxes. She led me to believe that my loan would be forgiven completely.

The first doc she sent sent said nothing about the loan type, but there was an issue with my birthday being wrong so she sent out a 2nd. The second said Revised Pay As You Earn (REPAYE), but she then she out a 3rd one said says INCOME-BASED REPAYMENT (IBR), but I wasn't even looking at that part of the agreement

1) May 5, 2016 at 1:15pm First one (not signed)

Under Student Loan Program says nothing but loan amount says 18,485.00 and came at a cost of 3 payments of $216.34

2) May 5, 2016 at 1:17pm Second one (not signed)

Under Student Loan Program says Revised Pay As You Earn (REPAYE) and came at a cost of 3 payments of $216.34

3) May 12, 2016 at 9:27am Third one (signed) says INCOME-BASED REPAYMENT (IBR) of 300 months/25 years. loan amount says 18,355.00

What was done was unethical. I now see that the signed document states that i would be going for an income based repayment and not a loan forgiveness but that’s what I’m super confused about.


I missed a call from (900) 999-9999 - they left a voicemail message. The message stated that I had 48 hours to "...take advantage of our services to reduce by 75% or eliminate your student loan debt. ...after many attempts to reach you, if you do not respond by calling [said number extremely quickly] 410-514-2414 within 48 hours you will LOse the chance to eliminate or reduce your student loan debt....and will not have the opportunity again..."

I called the 410 number.

I spoke to a Mr. Henry Cooper.

He began to explain the service but I interrupted him,

me: 'How did you get my number?'

H. Cooper: "You requested information on our online site.."

me: 'hmmm, well ____________________________ (intentionally left out as it will personally describe my situation), ok so tell me about your service'

During his end of the conversation, several beeps, like someone pressing the phone keys, randomly occurred while he was talking.

H. Cooper: ", can I get your name please since ________ so I can see how I can help you."

me: 'ummmm, I filled out an online application? You have my phone number but not my name? That doesn't sound like something I would do [and I wouldn't because if I'm going to take the time to fill out the online form with my Phone number, as opposed to my email, WHy would I leave out my name #suspicious]...'

Then I asked him what that beeping was. He said he didn't hear any beeping..I pressed one of the buttons on my phone and explained to him that it was like that...

He immediately hung up - or the call was otherwise abruptly disconnected

This is a scam...

No one contacted me not even One time previously.

Who fills out an online form without a name?

The initial call quickly states in the introductory recorded message items that would fall into almost everyone's category.

If you don't have my name, I did not contact you.

I almost ALways give an email address when dealing with online companies so I can investigate them more thoroughly before making a call

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