NER is a for-profit business that for a fee assists in compiling, preparing and processing paperwork for people seeking consolidation, restructuring and/or forgiveness of their federal student loans through the U.S. Department of Education’s (“DOE”) programs. · NER is not affiliated with and has no special relationship with the DOE or any other academic or governmental entity. · This site is not affiliated with or endorsed by the DOE, and the content or any information posted on this site is not endorsed by and does not reflect the views of the DOE. · You can apply for loan consolidation or alternative repayment programs on your own without paid assistance through the DOE at Studentloans.gov. NER is not a loan servicer and does not renegotiate, settle, or in any way alter the terms of any payment or debt.