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Please read these terms and conditions before accessing, using or obtaining any materials, information, products or services. 

By accessing, the NER website, mobile, or tablet application, or any other feature, you agree to be bound by these terms and conditions and our Privacy Policy. If you do not accept all of these Terms, please exist this website now.


NER does not provide legal or tax advice. Please contact an attorney or accountant if you need legal or tax advice, respectively. NER is a document management and document processing organization that manages, prepares and processes documents that enable Clients to acquire a Direct Consolidation Loan provided from the U.S. Department of Education or a U.S. Department of Education Servicer, and Student Loan Direct monitors federal programs for any updates or changes that Client may qualify for and benefit from.

NER is a private organization and is not endorsed by, associated or affiliated with the U.S. Department of Education or a U.S. Department of Education Servicer, nor is NER endorsed by, associated or affiliated with any federal, state, or local government agency.


If the Client complies with its obligations to return NER emails and phone calls and did provide all their timely accurate information such as employer verification and status, adjusted gross income, tax filing status, and number of dependents claimed on their taxes, and NER did not submit the Clients consolidation submission through the Department of Education – NER will give the Client 100% of their money back.

The document preparation fee has been earned by NER once NER has submitted the direct consolidation loan paperwork to the U.S. Department of Education or a U.S. Department of Education Servicer on behalf of a Client. For the purpose of requesting a refund, please contact NER via phone at (310 943 7455​)

There are occasions when a NER staff member gathered information over the phone and attempted to help a client apply for a certain Government backed program based on the information collected, yet that Client did not get approved for that program or was approved for a program that was more expensive or less desirable to the Client. In these cases, NER is more than happy to issue a full refund to the Client.

Refunds are issued on a case-by-case basis.