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Home > Debt Relief Industry > My College Loan Support / Default Student Loan Specialists – Review. Are They a Scam?

My College Loan Support / Default Student Loan Specialists – Review. Are They a Scam?

Company Name

My College Loan Support
Default Student Loan Specialists

Our Impression of What the Company Offers to Consumers

Student loan consolidation services.

However, the company can’t be verified, the management is a mystery, the local appears to not be a real address and the domain ownership is hidden. The company also did not send the client agreement for review after multiple requests.


Default Student Loan Specialists
975 Elk Grove
Sacramento, CA 95758 – Source

Google Maps says that the address is not a valid address and could not be found. A search for just “975 Elk Grove” 95758 could not locate a valid address either.

Additional Contact Information

[email protected]

Company Description

In an industry where people are often treated like numbers, we’re different. We take the time to learn about our clients on a one-on-one level. We’ll ask you questions about your unique situation, listen to your story, and custom-design you a loan consolidation program that’s best suited for your needs. – Source


Possibly Matthew Gazda.

Company Information

Company does not appear registered to do business in California as a corporation or LLC under the name Default Student Loan Specialists.

Screen Shot 2013-02-26 at 2.07.39 PM


They state their services are:


The company privacy policy said the contact address was [email protected]

Student Loan Assistance,

They list their address as:

Default Student Loan Assistance, LLC.
300 Brickstone Square
Andover, MA 01810 – Source

Default Student Loan Assistance, LLC is registered in the Massachusetts. – Source

The company was registered with it’s office at 191 Merrimack Street, Suite 302, Haverhill, MA 01830.

They listed their business as:


The LLC owner is listed as Matthew J. Gazda.

A Matthew Gazda was listed as the COO of Student Loan Solutions, LLC. The company was described as “one of the leading providers of student loans, generating over $150 million in loan volume in 2004” – Source

Student Loan Solutions LLC was located as 224 Main Street, Suite 3C, Salem, NH 03079. The BBB reports the company is no longer in business. – Source

Matthew Gazda is reported to also be the active officer for Default Federal Student Loan Help, LLC. The company is now reported as dissolved. – Source

Default Federal Student Loan Help, LLC is shown to have been the focus of a State of New Hampshire Banking Department consent order that states:

Default Federal Student Loan Help, LLC (“DFS”) was a limited liability company duly formed in the State of New Hampshire on February 9, 2009 with its principal office location in Windham, New Hampshire. DFS dissolved or was withdrawn or canceled on December 27, 2010. In New Hampshire, DFS had not been previously licensed as a Debt by the Department.

DFS no longer wishes to become licensed in the State of New Hampshire as a Debt Adjuster, even though it has a pending Debt Adjuster license application with the Department.

In 2009, DFS conducted debt adjuster activity for two (2) New Hampshire consumers without a valid Debt Adjuster license issued by the Department. Fees charged and collected by DFS for Consumers A and B total $999.98.00 as follows:
Consumer A: $499.99; and
Consumer B: $499.99.

During the request for information, DFS cooperated and provided the information to show it did conduct business in New Hampshire without proper licensure. – Source

Interesting Points

Despite a number of requests to review their client agreement, it was never sent.

The marketing representative said “I would be more than happy to give you free advice and help point you in the right direction to get assistance with your current loan situation.” yet never mentioned I could contact the Department of Education directly for free.


My College Loan Support

Domain Information

Registered on September 1, 2011.

Ownership is hidden.

Registered on January 5, 2009.

Ownership is hidden.

Marketing Material

An email from a company representative said:

I just wanted to follow up with your on-line inquiry that you had made with us and see if we could be of assistance in any way. If you qualify for our program, we can get you out of Default within 45-60 days, stop any current wage garnishment or prevent it from happening, stop income tax interception, or unruly calls from collection agencies. Regardless of your situation, I would be more than happy to give you free advice and help point you in the right direction to get assistance with your current loan situation. Please feel free to call or e-mail me at any time

Matt Roy
Student Loan Specialists
Direct: (916) 520-8383
Fax: (888) 426-8195

You would certainly qualify for the Federal Loan Consolidation program. I have included all of the great benefits to the program:

Advantages of Loan Consolidation:

1. Get Your Current Student Loan – OUT OF DEFAULT. (Approximately 45-60 day process).

2. New Federal Agency to Pay off existing loan amount.

3. Receive all of your borrower benefits back that you previously had when you were In good standing with your current loan.


5. Payment relief by combining all of your payments into 1 loan.


7. Can stop any harassing phone calls you may be getting pertaining to your loan.

8. Service Fee: $599.00 – Broken up into (3) consecutive payments of $199.00/month.

Matt Roy
Student Loan Specialists
Direct: (916) 520-8383
Fax: (888) 426-8195

Our Opinion After Review

We previously wrote a guide on what companies should offer in a fair and consumer friendly student loan service program. Please read How to Run a Clean Student Loan Assistance Program. In addition we provide the following guides to check out debt relief companies:

  1. The Ultimate Consumer Guide to Checking Out a Debt Relief Company Before You Sign On the Line
  2. How to Check Out a Business or Company to Avoid Getting Scammed or Ripped Off
  • Program Fees Clearly Stated on Site: No
  • Client Agreement Clearly Available on Site: No
  • States Consumers Can Contact Department of Education Directly to Consolidate and Reduce Payments for Free: No
  • Provides clear link to Department of Education Loan Options: No
  • Provides Historical Performance Statistics: No
  • Clearly Identifies Management/Officers on Site: No
  • Company is Clearly Registered to Business: No

It is our opinion the program reviewed here DOES NOT MEET OUR RECOMMENDED STANDARDS.

Scam, Complaint, Review or Praise


If you’ve had experience with this company, good or bad, you would like to share, please post your comments in the comments section below.

If you have a client agreement or paperwork you can share which this company gave you, you can do so here.


If this is your company, please read the site review policy and feel free to post information in the comments you would like to share about your company.

If you feel something reported in this review is incorrect, please report it here so we can fix the error.

For Those Looking for Student Loan Resources

Before you pay any company for assistance with your student loans, be sure to check out our free student loan assistance links and guides below.

Student Loan Resources

You can use the following student loan resources to help reorganize, discharge or forgive your student loan payments.

The Overall Guide to Dealing With Student Loan Debt

Get Help For Your Student Loan Problem

Discharge Your Student Loans in Bankruptcy

Getting Sued Over a Student Loan

Private Student Loan Help

Student Loan Default

Student Loan Forgiveness and Discharge Information

Watch Out for Student Loan Assistance Programs

Administrative Wage Garnishment

Student Loan Consolidation Information

Specific Federal Student Loan Repayment Program Information

Maybe College Isn’t the Answer

Get Out of Debt Free Hotline
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About Steve Rhode

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.
  • Steve Rhode

    When I pressed the representative to share success rates and confirm the real address they said:

    “Hmmm, unfortunately I will not be able to share any “figures” with you, since its proprietary information. Also, the address on the website is in fact accurate. If you need help with your student loans than feel free to call me conversely, if you are fishing for information for various reasons than I have no interest in discussing our process.”

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