My Mission

I give honest, no b.s. student loan help to people who are tired of being jerked around.”

I'm here to help

I’m damn good at what I do.

You spent years trying to get help with your student loans, but you kept running into poor customer service, confusing and often incorrect information on the internet, and bad advice from friends and family.

As a result, you fell behind on payments, your balance grew, and you’re now stuck owing much more than you borrowed—which has added to your stress, stigma, and shame.

But that was yesterday.

Now is your chance to solve this problem with an expert in the driver’s seat and your best outcome in the front view.

I’m damn good at what I do because of what I don’t do.

No empty promises. No sugar coating. No bullshit.

I talk direct, explain clearly, and give an exact strategy that leads to a way out of the mess you’re in.

I’m great at helping highly educated people like you solve their student loan problems.

I’ve helped hundreds of people from all walks of life — bus drivers, nurses, teachers, lawyers, doctors, CEOs, accountants, and so on—get out of default, qualify for loan forgiveness, access affordable monthly payments, negotiate settlements, stop garnishments, and discharge student loans in bankruptcy.

That said, I can’t fix everything. Some things can’t be fixed without a change in the law.

But that’s okay. No matter what the issue is, I’ll listen, ask questions, and give you my honest thoughts about your options. Then move quickly if you hire me.


My numbers say it all

8+ YR

Fixing student loan problems


Managed student debt for clients


Negotiated student loan settlements


Projected loan forgiveness

Don’t hesitate. You should hire me.

Here’s the deal: you should hire me if you want to work with someone who knows what they’re doing and won’t blow smoke up your ass about your options.

I shoot straight. I won’t waste your time. And I don’t rack up legal fees.

I’m here to do the job and deliver best-in-class service. So I’ll only take your case if I believe I can get a result.

When people come to me, they have a lot of mistrust—I’m cool with that.

Get to know me and what people ask before hiring me.

  • Have I helped someone with your student loan problem before? Most likely, yes. In the years I’ve been doing this, I’ve detangled some of the most complex situations.

  • Can I help you even though you live in X? Yes. For most things, it doesn’t matter where you live. I’ve negotiated student loan settlements for people all over the world.

  • Have I discharged student loans in bankruptcy? Yes. Last year, I filed more student loan bankruptcy cases than many bankruptcy attorneys have filed in their careers.

  • Have I negotiated settlements with Navient, SoFi, Citizens Bank, or others? Yes. I regularly negotiate private student loan settlements and federal student loan settlements.

Need No-B.S. info in black & white?

My name is Stanley Tate, but you can call me Tate.

It’s simpler—one syllable.

Plus, I’m used to hearing people call me Tate from my days playing sports and serving in the army.

Stanley Tate in the army.

Me getting an award at Ft Polk

I’m originally from the south side of Chicago and now live in Kansas City near the Crossroads. I still enjoy all Chicago sports teams, especially the Bears and Bulls, but the Chiefs are growing on me.

How did I get into helping people with their student loans?

True story. An older lawyer asked me for help figuring out his student loans. He didn’t know what he was doing. I didn’t know what I was doing. But I was intrigued. So I figured it out.

That was 2013.

Since then, I’ve helped thousands of borrowers with their student loans.

What I’ve learned is this: Carrying student loan debt years after leaving college doesn’t make you a failure. Shit happens. Life happens. And it happens to us all.

Your get-after-it attitude is the reason you’re successful.

You deserve real solutions that help you move forward with your goals and good stuff like retirement, home buying, marriage, and having a kid.

Ready to move forward? I can help you!