Student Loan Script

Name of the company: Student Loan Forgiveness Centers

Website: www.studentloanforgivenesscenters.com
Address: Las Vegas Nevada   

Option 1
My name is _____________ and I’m calling from the student loan FORGIVENESS centers. We
are trying to help people with student loans. Do you have a student loan? (Proceed to step 1)
Option 2
This is a quick courtesy call and I am just following up to see if you finished your application
process with the Department of Education to get enrolled in the forgiveness program. Do you
have any student loans?  (Proceed to step 1)
Option 3
Hi, Good day, my name is ________How are you doing today?
I am calling from the Student Loan Forgiveness Centers and this is just a follow up call because
your student loan account has been flagged on our system. I can see here that you may be qualify for
one of the program offered by the Department of Education.

(Optional)
ALSO, THIS IS ABOUT THE PETITTION FOR WIPING OUT YOUR STUDENT LOAN DEBTS REMAINING AND IN
REGARDS TO THE PRESS RELEASE THAT THE STUDENT LOAN PROGRAM IS NOW GOING AWAY

1. Based on our data base here you owe 4 thousand dollars student loan debt. Is this correct?

If NO: end the call

If YES: continue to step 2

2. Are you currently enrolled in school?

If YES: prequalify them if they are about to graduate within 3 months or less.

If NO: CONTINUE
 3. Are you in any kind of bankruptcy?

If YES: END THE CALL

If NO:  CONTINUE

The student loan program will help you restructure your loans to make it
more affordable or can possible forgive the remaining balance of your debt,
Depends on your situation, Your Income, family Size and Loan Amount.
Just for example the bigger your family and the lower your income the
higher your chance to qualify for the program.

4. What is your family Size? How Many People are you financially supporting?

5. How much is your Annual Gross Income (AGI)?

6. Are your Loans in Default or in Forbearance?

Option 1
Are you aware that Joe Biden already lifted the forbearance status to all who has student loan debts last
year November 2021?

Wait for the answer of the customer.

Just to give you heads up.

During Pandemic last year when there are lockdowns. People cannot go to their job and they had hard
time earning money to pay for their student loan debts. So what Jo Biden did was to put everyone to
FORBEARANCE STATUS those who have student loan debts so that it will not be a burden to them
thinking on how they will pay it.
Forbearance means pausing the monthly payments the interest rate and other fees.

Now since we are slowly going back to Normal Joe Biden stated that there will no extension of
forbearance status so this coming months we will going back to the regular programing of paying it
every month with interest rate and others fees.

That is why we are calling you for the forgiveness program for your Student loan debts
I have a specialist on the other who will explain to you how the forgiveness program can be apply to
your ________student loan debt. It will take 3-5 minutes of your time and they will be asking you
questions that you have to answer and if you have any questions as well please let them know so that
they can explain it to you and everything is clear.
By the way my name is ___________can I have your first name so I can introduce you properly?

Option 2
Our student loan specialist will give you further details and your eligibility for this program. If
you can give me a couple of minutes and let me transfer you to them.
Option 3
So what I’m going to do now is to connect you to our License Representative to give you all the
information you need detail by detail and to explain to you what the call means.
By the way my name is ___________can I have your first name so I can introduce you properly?

I’m going to transfer you now if you hear a background music that means we are already
connected to the specialist and if somebody pick up the phone (closer) I will introduce you first
so I can inform them about the situation of your loan.

NOTE: before you transfer a call, get the client’s name and verify the phone number. Sales
agents need to create a file for them. Anyone who failed to do this will not be given a credit
for the transfer.
If the Client absolutely has no time to talk at the moment, SCHEDULE A CALLBACK!!

If client is not available: Ok when is the best time for me to have you call back and speak with
our loan specialist? TO TRANSFER

TO TRANSFER A CALL

Click the "Transfer Conference"

Click D1, D2 or D3
 Click “Dial With Customer”

And wait for a loan specialist to answer the call

Introduce the customer to the closer

Hi I have Mr./Ms. _____________he/she has _________student loan debts.
He/she was out of school for _________yrs.
He/she is not in bankruptcy.
Family size of __________. With an Annual Gross Income of ________thousand dollars.
He/she is in _____________status.
Can you assist him/Her?

You may take the call now ________(Name of the Closer).

PREPARE TIMER ( 3 MINUTES or 180 SECONDS) AND STARTS TO COUNT ONCE THE CLOSER PICK UP
YOUR CALL AND YOU INTRODUCE THE CUSTOMER TO THE CLOSER.

ONCE THE 3 MINUTES IS UP YOU CAN HUNG UP FROM THE LINE After that you just have to do " Leave 3
way call" once you click it you will go to call disposition.

If you had completed the transfer just click "XFER - Call Transferred"
 Rebuttals

if client is skeptical
During this covid 19 pandemic, the government put a hold on all your loans including student loans but
if everything goes back to normal you’ll be surprise that your student loan went up. Just because the
government put a hold on your loans doesn’t mean it’ll stay the same. Interest Accrue each month so
keep that in mind. Now if we get you enrolled today you will not worry of the interest of your student
loan. We just need you to do one step forward ahead.
Present the other agent answer with the answer they gave you

If Client say yes in Bankruptcy

As the customer: Is it already discharge?

If YES . Proceed to the next Question

If client ask where do you get my number?

According to our records, someone related to this number browsed online for information or
click on an ads regarding for payment or refinancing of student loans. The only info that we
have here is your number which is (verify the number), is there anyone in your household who
have student loan?

If Client ask Is this a sales calls or are you selling something?

Don’t worry I’m not going to ask any money nor any personal information with you there’s no
payment here for this is not a sale call, we are working for the GOVERNMENT program handling
both standard forgiveness as what we call public assistance program

it will only take 3 to 5mins of your time

Do you have federal student loan debts?

If Client ask why are you calling me?

We are from the, national federal student loan defense center, and we do work for the
GOVERNMENT program, handling both standard forgiveness, as what we call, public assistance
program.

it will only take 3 to 5mins of your time

Do you have federal student loan debts?

 If Client ask too many questions.

I’m just a receptionist here and my job is to ask you 6 basic questions then I have my
representative on the other line to give you all the information that you need detail by detail.

If Client is not interested

The Dept. of education is restructuring the student loan repayment system based on your loan
amount and income. This typically leads to payments that are too high for people to manage.
So, these new programs are designed to fix this. Depending on what you qualify for, the Dept.
of Education will pay off your student loan debt from your current servicer. The n you will be
placed in a much more lenient repayment structure thru department of education. The
programs are now based on your occupation, income, family size, and type of loans you have.
That’s what all determine how much you pay back, or if you pay anything at all.

If Client has no money

Option 1

You might qualify for the hardship program, i have a representative who can explain to you
detail by detail

Option 2

The student loan program will help you restructure your loans to make it more
affordable or can possible forgive the remaining balance of your debt,
Depends on your situation, Your Income, family Size and Loan Amount.
Just for example the bigger your family and the lower your income the higher your
chance to qualify for the program.

If Client has Parent plus loan

Probing questions

1. Is your loan under your name? or your son or daughter? Or the loan is both under yours
and your son/daughter name on the paper works?

If both his/her name and the son/ daughter name is on the paper works. Proceed

2. How long your daughter or your son out of school?

If already graduated or out of school. Proceed

 3. How much you pay every month for your loan?

If cx is paying. Proceed. if not ask who is paying is daughter or son only. Drop the call

If Client says I’m on the program already

Probing Question

What is the name of the program that you enrolled for?

It should be IBR or income base repayment/Income driven. If they don’t know the
name. Proceed

Did you already receive and sign the paper works?

If yes . Drop the call …If No (askthe TL)

IF Client Sounds like Prank Caller

Probing Question

Ask what his /her loan provider is

If Client can’t remember it or cannot provide it. Drop the call.

If he can provide it check below if the name is there on the list before you proceed

LOAN SERVICER/OAN PROVIDER

Oklahoma Student Loan Authority (OSLA)

Granite State Management & Resources
Higher Education Services Corporation (HESC) or EdFinancial Services
Utah System of Higher Education/Cornerstone
Nelnet
Higher Education Loan Authority of the State of Missouri (MOHELA)
FedLoan Servicing
Navient
Great Lakes Educational Loan Services
MOHELA
ECSI
Ascendium
Aspire Resources Inc.
CornerStone
ESA/EdFinancial
 F.H. Cann
Maximus Federal Services Inc.
Sallie Mae
Trellis Corporation
VSAC Federal Loans

POVERTY GUIDELINES TO CHECK IF CLIENT IS QUALIFY FOR 0 DOLLAR PER MONTH

PROGRAM