Latest Posts
Home > Debt Articles > Fake Looking Official Mailer for Student Loan Assistance

Fake Looking Official Mailer for Student Loan Assistance

An amazing reader, Emily, sent in a new debt relief mailer through my I Buy Junk Mail program.

As you can see from the outside the mailer does not identify the company and pretends to look like an official mailer.

It comes from postal permit 1297 in Sacramento, California, which has been responsible for sending out other debt relief mailers. The outside says it is from Student Loan Services Pre-Qualification Adjustment / Disbursement Division.

Student Loan Services Pre-Qual

The inside of the mailer says the program is the AFB Student Loan Assistance and Benefits Program. and that consumers who bit on this offer will be able to finance the service fee with Orion Acceptance Corporation.

While the mailer makes all sorts of promises, what it does not disclose is that reduced payment programs are available for free through the Department of Education.

In the fine print at the bottom the company is identified as AFB, 311 Professional Center Drive, Suite 200, Rohnert Park, CA 94928. There is a company named American Financial Benefits Center the BBB reports at that address.

Student Loan Offer Inside


Get Out of Debt Guy – Twitter, G+, Facebook

Need More Help?

This offer was able to be reviewed because a kind reader sent it in via my I Buy Junk Mail program.

If you receive a credit or debt relief offer in the mail, do some good and let me pay you for it. Click here.

Want to See More Mailers?

Want to see more mailers I’ve reviewed as part of this program? Click Here.

Get Out of Debt Free Hotline
debt settlement helpstudent loan help

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.
  • Marlee

    They would not send me the documents to review before asking for personal info such as social security and bank account numbers!! They said it all had to be processed over the phone. bull shit. The sales rep I spoke with, “David,” kept referring the their BBB rating, but there is no way to even prove the person i was talking to was affiliated with American Financial Benefits. If they were legit, they’d
    be upfront with their paperwork. end of story.

  • NoAdditives

    All you have to do is find out exactly what repayment plan they are going to set you up with. Once you know the name of the federal repayment plan you can find the forms online and fill them out yourself for free.

  • britney

    Hi guys,

    I just signed up and am now trying to look for any information if I need to cancel or anything. I’m really nervous about this whole thing so any information would be great!

    • Darcy

      me too britney! I am fearful I could have just made a catestrophic mistake handing over my personal information. Pleas anyone with any additional information comment below!

  • Steve Timmons

    I am with you HerNamels_Rio. Could someone please direct us on how to approach getting the loans reduced based on the Ford Act? This story tells me that the company is a scam. But is there truth to what they say and could they really do what they say? If anyone reading this knows of how go about this legtimately please tell us.

    • Steve Rhode

      There is nothing sneaky, tricky, or magical about dealing with federal student loans. See

    • HerNameIs_Rio

      I keep trying to find articles on the American Financial Benefits Center and the only thing I am finding is that people are saying it’s “too good to be true”. There hasn’t been anything stating that AFBC stole money, or identity or ruined credit so i’m on the fence….

      • chad

        Any updates on this since then? Please let me know. Im also considering this. I want it to be true but cant afford to be wrong!

  • Steve Timmons

    I also got one of these. I talked to Tyler for a long time several times. He says I qualify for a greatly reduced loan payment under the Ford Act and the 2007 act. He refers me to the companies A rating with Better Business Bureu. He also refers me to his linked in page to show how good they are. When I have talked to Salie mae they tell me all I can do is go to a 25 year payment plan, and after 10 years since I work for a non profit two of my four loans will go away. the other two which are parent plus loans are not forgivable. i would love to reduce the loans. Is there some one out there who really has reduced a huge loan to a small amount under the William B Ford Act?

    • HerNameIs_Rio

      I also got one in the mail, talked to Ruben for an hour. Very informational and thorough, then he stated that he grew up in a neighborhood close to mine before moving to Cali- sparking convo and building trust with me. Currently I pay $850 a month in student loan debt and he said that my total payments would be $140 unless my salary goes up, then causing my payment to go up roughly $60 every $10-$15K I earn. It sounds to good to be true, but I just can’t find any sort of “bad” information on them, just sketchy non confirmed info. It obviously sounds attractive bc of how much student loan debt I have, so I’m battling signing up for it.
      Is this a true scam!?!

    • chad

      I also talked a long time with Tyler. He’s a really nice guy but im still in doubt. Did you find anything else?

Get My FREE Get Out of Debt Guy Newsletter

It is the smart thing to do.

I promise to keep your email safe and secure.


I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.

You can unsubscribe at any time with just one click.

After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.

  • It will keep you posted on the latest scams.
  • You will be alerted to the latest articles.
  • You will wind up smarter than everyone else dealing with debt.