Free Student Loan Consultations helping Borrowers with Consolidations, Rehabilitations and choosing the right repayment options. (Yep…The advice is free)

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How This Program Works

Free Consultations

Loan Consolidations $450

Loan Rehabilitation $1,350

Fees are payable a the rate of $150 per month on a credit card. You pay even less if you provide us with your Credit Karma credentials so we can see how these loans are reporting. Don’t worry…your information is safe with us. We are a law firm and when you are hire us, we are your lawyers. Everything stays confidential.

Get The Help You Need

After students are finished with school, they have to deal with the burden of paying back their student loans.

Student Loan Medix can help you:

Lower Your Monthly Payment


Consolidate Your Student Loans


Rehabilitate Your Loans If You Are In Default


Stop Garnishments


Get Your Financial Life Back On Track


About Us

Student Loan Medix is an assumed name of Gary D. Nitzkin, P.C. We are a Michigan based consumer rights law firm. We have been fighting for consumers rights since 2007. We stop debt collectors and help people who errors and mistakes on their credit reports. In 2020, we purchased Student Loan Medix because it was time for us to help Student Loan borrowers with their staggering debts and to stop the debt collectors from bullying them into payment plans that they cannot afford. We are here to fight back for you.

Gary Nitzkin

Owner of Student Loan Medix

Gary Nitzkin, Owner of Student Loan Medix, is a Consumer Rights Lawyer with Credit Repair Lawyers of America. While representing consumers, he and his staff noticed the large number of people who have student loan issues on their credit reports. He has decided to take a stance to help students manage their educational debts more effectively. In 2020, he purchased this company from his good friend, Charles Parker as his opening charge against the burgeoning debt that students owe. He can be reached at

Tracy Thomas

Customer Service and Processing Manager

Tracey has spent 19 years in the finance industry. In 2013, when the federal student loan debt crisis was most prevalent, she became passionate about helping others better their situation with their federal student loans. Tracey has been called “an expert in all things student loans”. She has assisted thousands of consumers to get into repayment plans that are completely affordable to them. Some even with a $0/month payment! She knows how to stop garnishments, lift tax offsets so that consumers get their federal tax refund, remove collection fees and So Much More!

“A wise man once told me, ‘Seek to do well while doing good’ and this is something I strive for every day. I love doing what I do and the relationships I have with my customers. I smile the most when I get that call or email from a customer that says ‘Hey, I got this or that from my servicer’ and I can say, ‘No worries, just send it to me, I’ve got this!”

What We Do


We can Turn your many loans into a single loan.


If you are in default with any of your Student Loans, we can help get your loan and your credit report back on track.

Instead of making many payments per month, you could make a single payment on a single loan.

This is a good technique for turning a delinquent account into a current one since a loan consolidation is a new loan.

Repayment Options

Repayment Options

Here is a list of repayment options for which you might qualify. Know your rights!

Standard Repayment

The most common repayment plan is Standard Repayment. This plan spreads equal payments over your loan term. Generally, this is the most economical repayment plan.

Graduated Repayment

With this plan, payments start low and gradually increase over the years. This can be a good choice for those who expect to earn more money as they advance in their careers. Payment amounts increase every 24 months until the loan balance is paid in full. You will pay more interest on this plan than on the Standard Repayment Plan.

Extended Repayment

Do you have more than $30,000 in outstanding FFELP or Direct Loans? Then the Extended Repayment Plan may be for you. This plan makes monthly payments more affordable, but it will take a longer amount of time to pay off the loan (up to 25 years), and you will pay more interest. Under the Extended Repayment Plan, you may choose standard payments (equal payments over the payment term) or graduated payments (payments that increase every two years).

Income-Sensitive Repayment

This plan can only be used for FFELP loans. This plan carries an annual adjustment to your minimum monthly payment based on your monthly gross income. You may choose this plan for up to five years, after which your account will defer to either the Standard or Graduated Repayment Plan.

Income-Driven Repayment Plans

If you need a more affordable monthly payment amount tailored to your income, an Income-Driven Repayment (IDR) Plan could help. Borrowers need to submit their income and family size annually to maintain eligibility. Each of the four plans has unique qualifications for eligibility, and will affect your regular monthly payment amount in different ways. The Income-Contingent Repayment (ICR) Plan, Pay As You Earn (PAYE) Repayment Plan, and Revised Pay As You Earn (REPAYE) Repayment Plan are for Direct Loans only. The Income-Based Repayment (IBR) Plan is for both FFELP and Direct Loans.

Student Loan Forgiveness/Discharge

You may not have to repay all of your loan debt. There are ways to have part or all of your loans administratively discharged including:

1Death of a Student discharges Parent PLUS loans
2Total and Permanent Disability – 3 ways to qualify
3Closed School – If the borrower was enrolled or withdraws within 120 days of closure, did not graduate and the credits cannot be transferred
4False Certification

a. The school misrepresents to the student the student’s ability to benefit. For example, student never graduated high school and goes to school to study for a job that requires a high school diploma.

b. Unauthorized signature/Identity theft – someone falsely signs your name to a student loan.

Loan Forgiveness (everyone’s favorite)

Your loans may actually be forgiven through:

1. Public Service Loan Forgiveness

  • Work for a qualifying employer for 30 hours a week or more.

  • Have a qualifying loan.

  • Make your qualifying payments for 10 years…the rest of your loan may be forgiven.

2. Teacher Forgiveness

  • Full time, 5 years at an eligible school and you teach.

  • Math or science teacher in secondary school.

  • Special Ed teacher in secondary or elementary school.

The Smart, Simple Way to Save on Your Student Loans


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Student Loan Medix

Student Loan Medix is a Student Loan Consolidation company. At Student Loan Medix we pride ourselves as being a solution driven firm. We can confidently say that we will make every effort possible to achieve your timing commitments and other requirements. In short, we offer quality services at competitive prices.