Legal Disclaimer

Rich’s Enterprises, which owns and operates, is not a lender, debt consolidation company, or credit repair organization. is a self-help site that offers free information to help consumers become educated about their student loan debt and credit rights. All information contained herein is designed specifically for consumers who, through their efforts, wish to understand the student loan default process better.

Legal information is NOT the same as legal advice.

CAUTION: The use of any information contained herein, such as opinions, instructions, suggestions, advice, letters, and other similar content, is at the user’s own risk. You are strongly encouraged to consult with legal and financial professionals before making any decision that could have legal or financial consequences to you.

The information provided on is for educational and informational purposes only, and any advice or comments made by any agent or employee of Rich’s Enterprises are intended only to educate and assist visitors in their self-help efforts when dealing with student loans in default management issues.

Access to this web site and all information contained herein is free with the understanding that the authors and publishers are not engaged in rendering legal or financial advice or providing credit repair services. As such,  the information provided on this site is not a substitute for professional counseling and advice from certified legal or financial professionals.

While we have made every attempt to ensure the information contained in this web site is accurate and from reliable sources, we are not responsible for any errors or omissions or the results obtained from the use of this information.