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Is Student Loan Affordability Advisory Just Another Scum Bag Company?

Written by Steve Rhode

“Dear Steve,

I simply want to share this with you because I do not know if this is legit or if its simply another scum bag company trying to rip off students who already got ripped off by the predatory lending industry.

Maybe you can shine light on this?”

Thank you for sending in your information.

Frankly I’m dismayed to see the mailer. From what you sent it certainly appears to be a variation on the “official looking” mailer to leave people thinking this is some sort of official program.

Student Loan Affordability Advisory

You can always check out a company using the guides below.

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

But I did take a quick look at the address, domain, and looked to see it the company is registered to do business.

The mailer says Student Loan Affordability Advisory is located at 1155 F Street, NW, Suite 1050, Washington, DC 20004-1312. That address turns out to be a virtual office space provider. – Source

A search of the portal could not find a company under the name Student Loan Affordability Advisory that was registered to do business.

DC Search

The domain name is actually registered to a Scott Couto, InboundProspect, Inc., 23 Corporate Plaza Drive, Suite 150, Newport Beach, CA.

According to the InboundProspect website they do target student loan debtor leads.


I also took a look at the website referenced in the mailer you received. The Student Loan Affordability Advisory website makes mention the site it governed by California law.

These Site Terms and your use of the Site shall be governed by and construed in accordance with the laws of the State of California applicable to agreements made and to be entirely performed within the State of California (even if your use is outside of the State of California), without resort to its conflict of law provisions. You agree that any action at law or in equity arising out of or relating to the Site or these Site Terms shall be filed only in the state and federal courts located in Orange County, California, and you hereby irrevocably and unconditionally consent and submit to the exclusive jurisdiction of such courts.

That just seems to confirm the site and services promoted have more to do with California than anything in Washington, DC.

The site really does not provide information about who is behind it. Even the terms of the site do not say openly who is behind it, “These terms and conditions of use (“Site Terms”) apply exclusively to your access to, and use of, the Web site of the Student Loan Affordability Advisory (“we” or the “Advisory”) located at (the “Site”).”

There is also no physical location information on the site.

As if there isn’t enough ambiguity about who is really behind the mailer, the Newport Beach address for the domain owner appears to be yet another virtual office service provider. – Source

So knowing all those bits above I took another look at the mailer and I have no clue what a Case ID would be since this appears to be just a lead generation mailer.

What I did find puzzling is while they say they can assist with “federal, state, and private payment reduction and loan forgiveness options,” they only say you need to have “at least one federal student loan.” So if you only have private loans they don’t appear to want to talk to you.

My opinion is that the mailer is bullshit and a lead generation effort by a marketing company to sell prospects. If that’s what you were looking for, then you found it.

Please post your responses and follow-up messages to me on this in the comments section below.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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About the author

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.


  • I knew they were a scam the first time they called me. And no matter how many fun names and fake birthdays i give them they always say they can help me and ask for social number and FAFSA info. They eventually hang up but call back a couple days later. Any way to get me off the call list?

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