Imagine finding your dream home, knowing you can afford it but finding your dreams dashed because your student loan debt payment is too high. That is what happened to Timbra and Scott Yoakum. They were disappointed when their mortgage broker told them their debt to income ratio made buying their dream home impossible. That was until Timbra received an email from her local education service agency, Region 10, in Texas.
“I work outside of Dallas under the Region 10 service center and read about a student loan forgiveness program in their newsletter. I had been skeptical about these kinds of programs because I knew so many of them had bad reputations. I tried to access loan forgiveness on my own and received conflicting advice and so many different answers, I was nervous about trying anything else.
I had no idea how I was going to afford to pay off my loans and still have a life. I just didn’t know enough. After my negative experiences attempting this on my own in the past, not having enough information and not knowing where to go to get credible help, I kept putting it off. When I read the information in the Region 10 newsletter, I felt more secure and was grateful they had done the research and were offering us help. I felt more confident moving forward with ISLS knowing it was coming from my education agency.
You understand very quickly that there is a lot you don’t know about loan forgiveness. I am grateful for the experts at ISLS who showed the utmost professionalism and were extremely knowledgeable. This company didn’t feel like one of those scammy Facebook banners. There is a marked difference in the level of knowledge and expertise, and that made me feel very confident.
My Advisor, Sharon, made everything so easy and went to great lengths to develop a relationship with me. I really trusted her. Being able to talk and build a relationship with her helped me build trust and erased all hesitations I was having. Not having to do any of the legwork made the process easy and was such a huge relief.
What wasn’t so easy was trying to make our mortgage broker understand we really could afford the house of our dreams. She just didn’t understand the program and questioned how I was significantly reducing my monthly student loan payment by so much. We were really getting down to the wire when Sharon and my Solutions Specialist, Will, jumped in to help us out. Sharon and Will were able to help her understand the process, expedite things and it showed up on my credit report the day before I needed to close on the house. It was AMAZING.
My husband has a business background and was extremely skeptical about ISLS and the program. In the beginning he really wasn’t on board. After going through the whole process with me, talking with Will and Sharon, and seeing the results with the mortgage, he is a true believer. Now Sharon is going to help him with his debt!
After working with ISLS, I no longer have the burden (carried all through undergrad and Master’s degree) of how I am going to pay for my loans; it is just a non-issue now. We freed up so much money on a monthly basis we have been able to afford our dream house, pay off additional debts and look forward to a financially stable future in our forever home. I have shared my story with co-workers and tell them, ‘This is just the way to go!’”
For more information on how ISLS can help make your dreams come true, visit our website at www.brianvest.com