Both Services of Frost Financial Advising & Management, LLC

*Frost Financial Advising & Management, LLC (FFAM); DBA Rising Point Student Loans Solutions is not affiliated with the Department of Education in any way. Any programs offered are openly available to the public. FFAM is a Third Party service provider that assists student loan borrowers with the process of entering income driven and other publicly offered repayment programs. Although a $0 monthly student loan payment is possible for qualified individuals, it does not include our monthly service fee to maintain one's account within our company. Payment plans are subject to annual renewals and servicer payments may fluctuate dependent on income, household size, and other circumstancial changes.

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Repayment Plan Document Processing

Stress-Free & No Hassle. ​All the work's on us.

  • Once we gather your qualification information, our specialists will have a solution for most qualified people within minutes. If there's something you qualify for, we'll find it! Then if you'd like to use our assistance, all the legwork's on us and we keep you updated every part of the way.

Life's about to get a lot easier.

No Time to Call?  Fill Out our Simple Online Form to Find Out if You Qualify for any Repayment Assistance!


  • Our staff works on a personal level with you. We not only care about helping you with your student loan debt needs, but how repayment decisions can affect your family and your future. We can offer ways to ensure you receive the best benefits possible for your specific circumstances.

why you need us

  • If you'd prefer to speak to someone directly and immediately, we're here for you. Just call us at   1-800-583-5308. Or, feel free to pre-qualify by filling out our online form and having a specialist contact you. You can also send an email inquiry to us at 

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student loan debt out of control?


we've got your back.

  • Our simple consultation to find out if you qualify for any repayment programs is completely free. There are no hidden charges or obligations. Even if we can't help you, we're happy to take the time to try and point you in the right direction, free of charge. We're just happy to be of assistance. 

We are a professional Student Loan Document Processor, specializing in advanced knowledge of the William D. Ford & other Federal Repayment Programs that offer circumstantially driven and other repayment plans for qualified borrowers.

Check out Amanda in Our New Commercial!

Finding the Program that's Right for YOU

In 7 years I paid $30,000 in interest and at the end of 5 years (with FFAM) I will only pay $6,000 . You changed my life!! Thank you!!

-Marlana, Pittsburgh, PA   Savings of $24,000*

There's a reason so many people love us.

Contact us now to see how we can help you, too!

What if I have private student loans and not federal? Or some of both?

That's okay! We mostly work with Federal Loans, but we have some tricks up our sleeve for Private as well. Just let us know and we'll see what we can do to help!

What if I don't qualify for any government repayment programs?

We will do what we can to find an alternate solution for you or at least point you in the right direction. You can always call us for assistance.

What if I want to go back to school?

We're happy for you! Just give us a heads up so we can have a plan in place before you graduate so you never have a worry.

What if my loans need consolidated? 

If you qualify for a repayment program we're happy to assist you with your consolidation paperwork. We love helping any way we can.

Can I do this on my own?

The programs currently available for repayment assistance are offered through the Department of Education. We are not affiliated with the DOE in any way, we just act on your behalf to assist you with program information, document processing, and protecting against non-removal of program status. We also have hired a former Department of Education compliance employee on our team to make sure we are  up to standard on our legislature and repayment process updates. People come to us because it can be confusing to understand which servicers they're with, which programs they should be in, which plan even helps them qualify for a mortgage, which better repayment programs they could qualify for, how to apply and get approved, when to submit annual recertifications, or even how to avoid program removal and possible capitalized interest. For instance, it was recently publicly noted that 57% of all income driven repayment plans are not annually renewed on time, causing potentially damaging effects to one's student loan balance and status.  Our clients don't have that worry. We take the load off, giving you one less headache to deal with.

Consolidation, Repayment Plan, Forgiveness Help

I had no idea these programs were available until FFAM helped me out. I'm a small business owner and was drowning in my student loan payments. Now I can breath!

-Eric M.DeSoto, TX   Savings of $52,000*

The Best Choice for

Student Loan Repayment Solutions