Student Loan Ninja

Struggling with student loan debt? We'll help you restructure that debt to become more manageable and affordable while improving your overall credit score. 

Student Loan Ninja gives you

Start building credit

by restructuring your loan and make on-time payments

Restructure loan payments,

based on your current income, to become more manageable

Fix your debt-to-income

by restructuring your loans to have a lower monthly payment

Student loan statistics


Nearly 3 of every 5 graduating students has student loan debt.


1 in 5 of those with student loan debt are behind on their payments or in default. 


2 of 5 students who have defaulted on their loans are unable to qualify for major purchases, such as a home or car.

The Student Loan Ninja Process

Step 1

Analyze Student Loan Debt

We begin by taking a look at the student loans on your most recent credit report, after which we will walk you through a quick questionnaire to identify which program will best address your unique circumstance. 

Step 2

Rehabilitation or Consolidation Process

Weather you failed to make a payment, or defaulted on your student loan entirely there are several repayment options to help you get back on track. This includes but is not limited to student loan consolidation and repayment plan, recertification, public service student loan forgiveness qualification, and even rehabilitation of defaulted student loans. 

Step 3

CIG Platinum Status

While third party student loan services can be very costly ($150-$1200), your Platinum Service with Credit Innovation Group ensures access to our full service student loan department at no additional cost as long as you remain a member. 

With Student Loan Ninja you will

Save Money

Build Positive Credit

Reduce Debt

Improve DTI Ratio

Why people love Credit Innovation Group


"Wow. This company is by far the best I have ever been involved with. The staff was so nice and so professional. They sure know what they are doing. Their customer service skills are top of the line Had I known about them early I sure would be the happiest person."


"I can definitely say that Credit Innovation sells themselves. They do a wonderful job making sure you are comfortable. They answer every question and keep you informed every step of the way. My life is hectic so they work hard around my schedule and have my best interests at heart. One of the best decisions I've ever made."


"I have never had a company to teach me so thoroughly and patiently regarding my credit. Learning about what I had and how credit was working for me was exciting! Now this is how a company is supposed to help you! Thank you everyone at Credit Innovation."


How do student loans affect my credit score?

Having a student loan will not affect your credit score. Your payment history on those loans however can affect it in a significant way-- failed payments will decrease your score and affect your ability to be approved for future lines of credit.

What happens if I cannot make my student loan payments?

Depending on your payment history and the type of loan you received (federal or private), you may be eligible for deferment or forbearance. Additionally, you may be able to reduce the cost of your monthly payments through a consolidation and income-driven repayment plan. 

What are my options for paying off student loans?

The loan type (federal or private) and how quickly you plan to pay off your student loans will determine the type of program you should follow. The most common options for repayment are income-driven repayment plans, consolidation programs, or refinancing your loan.

What is the difference between loan forgiveness and discharge?

Although the two terms are often used interchangeably, the difference between loan forgiveness and discharge can be defined in the type of loan cancellation. Student loan forgiveness typically involves having an amount of the loan forgiven after the borrower has worked for a certain timeframe--usually in the field of public service or government positions. Student loan discharge on the other hand is based on the borrower’s failure to pay to loan back due to fraud.

How do I know if I am eligible for student loan forgiveness?

In order to qualify for student loan forgiveness, you must be working in the field of public service or a government position. For example, a teacher may have their student loans forgiven after fulfilling their position after an agreed amount of time.

Will student loans affect my ability to get approved for a mortgage loan?

One of the first thing creditors will take into consideration when applying for a mortgage loan is your payment history. A history of on-time payments can greatly improve your credit score/ chance of being approved for a mortgage. 

See how we can help you

improve your credit

Having good credit opens the door to achieving our financial dreams. We help our members develop a strong credit profile so that they can do just that. What are you waiting for?