Trust Us with Your

Student Loan Repayment Solutions


We are a professional Student Loan Document Processor, specializing in advanced knowledge of the PUBLICLY OFFERED William D. Ford Act and other Federal Repayment Programs that offer circumstantially driven and other repayment solutions for federal student loan borrowers. 

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*

  • 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 choose to use our assistance, all the legwork's on us and we keep you updated every step of the way.

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

  • If you'd prefer to speak to one of our specialists immediately, call us at 1-800-583-5308. Or, feel free to gives us an idea of your current situation by filling out our online form and having a specialist contact you within 24 hours. You can also send an email inquiry to us at 

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Consolidation and Repayment Plan Explanations

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!


  • 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

student loan debt out of control?


we've got your back.

*Frost Financial Advising & Management, LLC (FFAM) 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 voluntary monthly membership 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.

9:00am - 5:00pm CST M-F

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Repayment Plan Document Processing

Stress-Free & No Hassle... ​All the work is on us!

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 Publicly offered or available 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 as well. Just like most things that can be done on your own, sometimes it's safer to have someone experienced to help you navigate the process and make sure things get approved as they should be. We love helping any way we can.

Can I do this on my own?

Absolutely. The programs currently available for repayment assistance are offered publicly through the Department of Education (DOE). We are not affiliated with the DOE in any way, we just act on your behalf to assist you with program information and guidance, document processing, and protection against removal of repayment 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 loans should and should not be included in consolidation, the difference between each program and different types of student loans, which repayment plan may help them qualify for a mortgage approval if near the homebuying process, when to really submit annual re-certifications, 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, repayment term, and status. If you choose to allow us to work on your behalf, we are pleased to take the stress and tediousness of navigating the options and paperwork off of you.

  • 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.