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NSLFC Financial Freedom Raises Worrisome Questions

By on December 29, 2016

A reader recently inquired in the student loan assistance company NSLFC Financial Freedom was really a member of the Association for Student Loan Relief as they indicated.

Well the NSLFC website at does display the AFSLR logo and also the logo for the American Fair Credit Council (AFCC). A look at AFCC could not locate any such member and AFSLR denies any membership. – Source


In an effort to figure out who this company really was I went and looked at their Terms of Service but noticed they said, “If you have any questions or concerns regarding our privacy policy please direct them to: []” and “These Terms of Use shall be governed by and construed in accordance with the laws of the State of [YOUR COUNTRY/STATE] and any dispute shall be subject to binding arbitration in ­­­[YOUR COUNTRY/STATE], [YOUR COUNTRY/STATE]. If any provision of this agreement shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions.”

Not a great confidence boost.

So I went to find more information on the domain name. DomainTools says the domain was registered on July 7, 2016 and it owned by:

Student Help Center
3435 Wilshire Blvd
Los Angeles, CA 90010

However the website lists:

6464 Sunset Blvd
Los Angeles, California 90028

Both addresses may be associated with virtual offices/mail drops.

The State of California had no registration for any business by that name.

I did however discover the same address that created this site is also related to:,,, and


Up until November 11, 2016 the domain name was owned by an Alex Neal of Los Angeles.

I have no clue what is going on here but I will use some emails I found and ask the company to provide an update and clarification.

I would recommend that anyone considering using such a company should read the following free guides.

  1. The Ultimate Consumer Guide to Checking Out a Debt Relief Company Before You Sign On the Line
  2. 10 Must Do Steps to Find the Best Credit Counseling or Debt Settlement Company for You
  3. How to Check Out a Business or Company to Avoid Getting Scammed or Ripped Off

If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.

About Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.


  1. Jennifer

    January 16, 2018 at 6:19 pm

    AFSLR can you recommend some student loan forgiveness programs to help?

  2. Audrey

    November 13, 2017 at 5:24 pm

    I just had a scary conversation with Zara of NSLFC. I had filled out the online form for information and received a call today. I was confused because I couldn’t remember reaching out to the company (I had not made a note of my search). Zara proceeded to explain how she could help me, and I specifically wanted to know who she was. I asked if she was from a government agency, she told me that she had sent me an email. I looked and yes, her email was there. She then told me that I should have received an email with my FSA number which I would need to read to her. Still trying to figure out who she was and to connect the dots, I read her the number.

    What is disturbing was when I returned to my emails and actually read the email with the code I had just given her – because she knew I had received it – I was shocked! It was not from her. It was my Federal Student Aid ID portal!

  3. Audrey

    November 13, 2017 at 5:13 pm

    I just had a scary conversation with Zara of NSLFC. I had filled out the online form for information and received a call today. I was confused because I couldn’t remember reaching out to the company (I had not made a note of my search). Zara proceeded to explain how she could help me, and I specifically wanted to know who she was. I asked if she was from a government agency, she told me that she had sent me an email. I looked and yes, her email was there. She then told me that I should have received an email with my FSA number which I would need to read to her. Still trying to figure out who she was and to connect the dots, I read her the number.
    She began to explain how she could lower my new student loan debt.

    But I still needed to know exactly who she was so I asked again. She explained that the company was authorized by the government to help students lower their student loan debt.
    (this is in two parts)

  4. Melinda Harbin

    November 1, 2017 at 12:46 pm

    I used this company, and just as they said within 30 days i could see my student loans on my credit report as current. My student loans where effecting my credit score negatively, but now all that has been fixed. My only real complaint is when I tried to contact NSLFC VIA EMAIL ( & via phone 844-307-3375 I was unable to reach anyone. the website is unknown and the phone number is a voicemail. This dose concern me, but they did take care of my student loans just as they said they would for $400.

    • Jason

      November 1, 2017 at 2:39 pm

      The website for NSLFC is (you placed a period after “fed” instead of a hyphen). A direct phone number is 310.728.6069.

  5. Jason Ferguson

    October 6, 2017 at 11:38 am

    When you paid the $400 were there any terms to that agreement? Did they say that you had some time think about it and could then get a refund? I was told I had one month to think about it and then I could get a refund if I changed my mind. If there were no terms stated, you may not be able to get a refund. I think it is worth trying to get your money back, though. As I said in the last comment, there are free services to help you with your loan. Check with your bank or loan provider.

    • Vince

      October 6, 2017 at 12:40 pm

      Yes, they said if I am not satisfied with the plan I can cancel. Can you please elaborate on free services to help me with my loans? Maybe you know of any that can help me specifically, considering I am a military veteran, financially struggling, and helping my mother and father?

  6. Jason

    September 19, 2017 at 10:42 am

    I have reported the NSLFC to the Better Business Bureau. Let’s all who have been taken band together and fight this!

    • Vince

      October 5, 2017 at 3:55 pm

      Jason, or anyone else on here that has had any experience with NSLFC (good or bad), can you please comment and let me know exactly what has happened, if they actually pay the student loans? Zara at NSLFC told me that you pay $400 and within 30-60 days you will be notified of a 3rd party debt collector to manage/see the payments being made. HELP!? Is this legitimate, if you give them your financial circumstance that you can barely afford loan payments and are a care taker for others?? – Vince

      • Jason Ferguson

        October 6, 2017 at 8:41 am

        Vince, I did not have a good experience with them. I spoke directly to Stuart with a British accent. He was helpful during our first conversation, but that changed with further contact. I gave them $500 and was told I had a month to think about it and could then get a full refund. I e-mailed Stuart that I wanted to cancel, and I was expecting a refund no problem. Stuart and this company did not do what they said they would do. They still charged me, even though I cancelled within a month as they said.

        When I called Stuart back to get him to rectify the situation, he was very rude. He insulted me and yelled at me. Fortunately my bank credited the money back to my account. I reported them to the Federal Trade Commission (FTC) and the Better Business Bureau. I’m not sure if he will ever actually pay the money back.

        There are free services out there. Check with your bank or your student loan provider.
        I hope this has been of some help to you.

        • Vince

          October 6, 2017 at 10:53 am

          Thank you for the response. I paid the $400 fee they charge, and they just sent me an email saying “We have sent your Federal Direct Consolidation Loan Application and Promissory Note to the federal loan servicer you chose to complete the consolidation and service your new Direct Consolidation Loan. The consolidation servicer you chose as part of the Direct Consolidation Loan application process is Nelnet.”
          – Please give me your honest advice on what I should do from here… let this Nelnet continue with it and see what the plan is and compare it to what I have been paying directly to FedLoan and AES, OR just cancel it and demand money back and try a different direct route?

          • Concerned Citizen

            October 13, 2017 at 5:40 pm

            California FTC number where you can call in a complain is here. 310-824-4300. Also Consumber Protection Financial Board is another good reference. Their phone number is 8554112372.

            Concerned Citizen….

  7. joan

    August 29, 2017 at 7:17 pm

    I just reported these bozos to the Better Business Bureau.

  8. John

    July 26, 2017 at 2:57 pm

    I unfortunately fell into the trap. I used this company. I have never in my life had a company be so rude and unbelievably the absolute worst place you could ever deal with. I too had a conversation with Stuart with a British accent. He told me he was in “compliance.” Let’s just say the man himself is not compliant. He is extremely rude, condescending, etc. I cannot believe that I fell for this company’s promises of help. After I paid the money to them, they sent me documents to sign. I had questions about the documents. The fact that I asked questions irritated them. They hung up on me and sent me some of the worst communications through email that I have ever seen from a company. I also spoke with a woman named Zara. If she calls you, hang up immediately. You never want to deal with her or this company – EVER. I am looking to see what I can do about filing a formal complaint with a government agency. There has to be an agency that regulate these companies.

  9. Rachel

    July 26, 2017 at 12:47 pm

    I spoke with a representative from this company, his name was Stuart and believe he had a British accent, and instantly was alerted that something wasn’t right. They were asking for credit card information, wanted $400 for their services, and wanted my passwords for my account and said they would temporarily change the password. The man I spoke with became agitated when i asked for him to email me information because I needed to leave for work. He made a very unusual statement, “Are you trying to get me off the phone? That is an excuse people give to get off of the phone.” The next day he called me back and argued with me as I expressed my concerns. After I asked to be taken off the list he stated, “I will list you as a time waster” and hung up. This place is very sketchy and definitely seems to be some sort of scam. I would like to know if someone has actually used them and the outcome.

    • Jason

      September 19, 2017 at 7:57 am

      Yes, unfortunately I used them. I am out $500, and I am trying to fight them. Stuart was unbelievably rude to me and criticized me. He actually began shouting at me when I would not give him a specific reason why I did not want to do this program. He told me I had a month to change my mind before being charged the fee. I did cancel within the month but was stilled charged. I sent him an e-mail saying I had reported this to my bank, and I demanded a refund. I received a quick response that they were submitting me for a refund, but the days are ticking away and still no refund. I have also reported them to the FTC. If anyone else has been taken by this scam, please file a complaint the FTC. I believe that the more complaints the FTC gets about this bogus company, the more likely it is that they will investigate.

  10. AFSLR

    December 29, 2016 at 4:37 pm

    We have received several requests from consumers as well looking to see if ‘NSLFC’ is a registered member of our association, AFSLR. They are indeed using our logo on their website, but we do NOT have a member by that name. Nor do we have members registered at either of the two addresses mentioned in the article. I know quite often companies market under a DBA or use lead generation firms that market under different names entirely, however it truly appears this firm is trying to trick consumers into believing they are members of ours, and other trade associations. I see no evidence they are members of AFCC or IAPDA as they claim.

    We encourage all our members to use the AFSLR logo on their website but also to link it back to a page that we create for each member on our website. That way a consumer can truly see they are members. We field dozens of calls every day from consumers looking to verify AFSLR membership. We are happy to do this. However, we take it very serious when someone uses our logo and trademark to mislead a prospective consumer.

    For prospective student loan relief consumers – please do your homework if you are about to put up your hard earned dollars to get assistance with your financial situation. There are plenty of GREAT companies (both members of AFSLR and not), however as long as there is even one bad actor out there we need to be make sure everyone is being cautious. Check the public records in the state the company is registered in and ensure they are in good standing.

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