Samantha L.

Review of S&N Debt Solutions

I already have and will be recommending S&N to any...

I already have and will be recommending S&N to any friends or family struggling with debt. Being a business professional, I did my research on S&N before I signed up- They are rated very highly by the BBB, so I gave them a go. I am so grateful that I found this company- I went from paying a ridiculous amount in minimum payments (with little hope of paying my credit cards down) to paying one lump sum a month that actually went towards something. They put your payments in a savings account and use those funds to settle with your debt accounts.

I was able to save thousands of dollars and finish my program agreement early because the accounts settled so low. Any lump sum payments also help you finish the program faster. My agreement was originally for 42 months, but unless you come into a small inheritance there is little hope of significantly paying down/off your debt on your own in that period of time without outside help. The interest will probably kill you first, realistically. Customer service is very helpful, and the overall process (signing up, during, finishing) relatively pain-free.

It is important to keep in mind that S&N does keep 25% of your original balance as a fee... However, if you're in a position like I was and are struggling to even just pay the minimums every month, or worried you'll soon be in collections, it's your best option by far. They will even talk to collection agencies/lawyers for you, which is why it is vital you forward ANY and ALL documents you receive concerning your debt accounts. If you don't you can only blame yourself for any consequences that arise. Think of it this way: They act as your account manager, and need to be kept in the loop at all times.

Thanks to S&N, I m entering 2017 with nothing to worry about except my student loans.

*Side note: I posted this same review on BBB- I thought it would be just as helpful to share on Google too*