No. Every client receives a free consultation first. You will only be charged if you choose to continue and sign a written agreement.
We Help You Understand What You Qualify For One-on-one STL support to help you navigate federal loan programs like IDR, PSLF, and more.
Speak with a real person who will assess your current loan situation.
We'll help you understand eligibility for programs like:
After your free consultation, you can choose a paid support session.
We’ll send you a secure agreement to review and sign before any billing.
No. Every client receives a free consultation first. You will only be charged if you choose to continue and sign a written agreement.
Your session may include:
This does not include legal or financial advice.
No. We are a private third-party consulting service. We are not affiliated with the U.S. Department of Education, your loan servicer, or the federal government.
Our service plans range between $140 and $499, depending on how much time and support you need. We’ll show you all pricing before you sign anything.
We use secure payment processors. You will be asked to sign a digital agreement, and only then will your payment be manually processed (MOTO). You’ll also receive a copy for your records.
No. While we do our best to help you understand what you may qualify for, we cannot guarantee enrollment, forgiveness, or approval into any government program.
Due to the nature of time-based consulting services, we do not offer refunds once a session is completed. If you have any concerns, contact us before signing and we’ll clarify everything.
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“The session was straightforward and helpful. I finally understood the options available for my federal loan without all the jargon.”
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“Zest Reach gave me clarity on programs I didn’teven know I qualified for. They didn’t make any promises—just explained what could work based on my situation.”
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“I appreciated the honesty. They walked me through my student loan account and helped me understand repayment options step by step.”
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“Very professional and transparent. I liked that there was no pressure to pay upfront and everything was explained before I committed.”
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“After the free consultation, I knew exactly what I was paying for. The support was well worth the fee, and I felt fully informed before moving forward.”
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“They helped me understand how programs like IDR and consolidation might apply to my loans. No guarantees, just real guidance.”
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“It’s rare to find a service that gives you time, listens, and only charges after consent. That alone made me trust them more.”
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“Their explanation of the loan landscape helped me avoid mistakes I almost made with a servicer. Very helpful support.”
“I signed only after understanding the cost and what I’d get. The team made it clear this wasn’t legal or financial advice, just good guidance.”
“Zest Reach LLC didn’t overpromise—they just helped me understand my student loan status and what my next steps could be.”
