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Thank you Kelly for all that you have done with fixing my student loan payment for the last almost 5 years!! You are trustworthy, reliable and caring with all the information that I provide you with, I would absolutely recommend you to anyone who needs to lower there student loan! God bless and thanks again!!!

Priscilla Chambliss 12/13/2019


My name is Moussa Kone, I am a college graduate with a master’s in information technology. Because I took out loans under the Clinton administration, my interest rate is locked, and I just watch my debt increase from month to month with no end in sight. My original loan debt was around$50,000. It has now doubled! I now owe over $100.000, almost $150,000 in interest alone! As a struggling worker , I simply don’t know how I will ever be able to pay this debt off, or get out from under this crushing debt, even though I have tried to make some small payments and got to a point couldn’t afford it any more, due to the help of Kelly Anderson of the organization : studentdebtmodifications.com, today I am on the students loans forgiveness programs. Kelly was very helpful getting me into the students’ loan forgiveness program, thank you Kelly Anderson and thank you to the studentdebtmodifications.com

Moussa kone 04/3/2019


I am so grateful to Student Debt Modifications. If you’re not aware, there is a federal income based student loan repayment program. I have a master’s degree and was overwhelmed when I tried to apply on my own. A friend recommended SDM because they made her application smooth and easy and did the same for me. What a relief. I have been working with this organization for several years and highly recommend them. They are quick to respond and to address concerns and they really know what they’re doing.

Donna Shelton March 4, 2019 12:40 pm

North Carolina

Student debt modifications services has indeed been a blessing. The company is committed to helping their clients to become debt free. I have been a client for over 5 years and have had great success with my loan modifications and public service loan forgiveness,The dedication and compassion that has been displayed is refreshing and second to none. Shout out to the founder Kelly Anderson who adds the personal touch to getting the job done

Traci Spencer August 22, 2018 6:29 am

New York

Thank you Kelly Anderson for modifying my student loans! The process to modify my loans was simple and efficient. Though your program, I am now able to make affordable payments and manage my loans easier. I highly recommend Kelly to any student looking to modify their loans and make smaller, affordable payments

Gina Shombert May 08, 2017 1:56 pm


I would like to thank Student Debt Modification for consolidating my student loans, I was only able to pay $50 on one of 11 loans still collecting debt on the other 10 but With the willingness and determination of student depth modifications team I am now able to pay one low monthly payment and still enjoy Life Thank you and God Bless.

Shameka Anderson 3/30/2014 8:13:36 PM (GMT)

I highly recommend Kelly A to anyone that is stressed out about repaying student loans for an education that will help get a better job. It becomes painless and stress-free process. I am very blessed that God made a path for Kelly A to come upon my contact information! Forever a Blessing!

Tracie Marshall 3/25/2014 12:15:08 AM


Thank you Kelly for all the work you have done!!! I had no idea what to do and you talked me through it so it was understandable and showed me what kind of help I could get with my loans! I cant imagine what I would have done without you. I have been recommending you to anyone who has asked me about how I have been paying off my loans. Thanks again!!!!!

Christina Cleveland 9/20/2013 7:18:24 PM

Kelly, I would like to say Thank You so much for everything you’ve done! I was so overwhelmed with these student loans that I thought I would never get them paid! You were helpful, knowledgeable, efficient and professional. When I called you and you were on vacation and you picked up and still wanted to answer my questions, I knew you were an Angel sent down to help me! Thank you Kelly, you did everything to make my payments fit me and that my friend is the best gift you could have given me. Have a Blessed Life, you deserve it.

Marisol Montalvo 8/17/2013 10:29:22 PM (GMT)

Big Thank You from Florida!

Kelly, thank you for helping my parents with lowering my student loan debt to more manageable payments.

Brittany Ritter 8/7/2013 6:29:27 PM


Thank you so much for all your help, Kelly. You were very understanding and patience with my family’s student loan debt. She made getting through the paperwork so much easier to reduce our loan payments to a reasonable level.

Dorcas Durand 8/7/2013 6:25:15 PM


I thank God for Kelly A. She is my savior. I am disabled and had school loan debt that she was able to help me get discharged. I don’t know what I would have done without her help. I have a limited income and take many pills and sometimes would have to choose between eating and my pills. Kelly helped me so much I cannot praise her enough.Without her help I would not have been able to make it. I thank the Lord for sending her into my life in my great time of need

Kelli McNeil 7/24/2013 5:05:43 PM


Thank You so much for all the hard work you did Kelly with helping with my student loans. I dont know what i would have done if it were not for you. I really wish alot of other people knew about the program and have someone who will help them as much hard work as you put in for me. I was lucky you were the one who called my back because i dont know if anybody else would have worked as hard as you did. Thank You once again! Keep up your hard work for others that need the help! lower payments studentloans gov

Janet Holt 7/17/2013 4:54:09 PM


Kelly, Thank you soooo much for helping me with such a huge burden!! I heard about Kelly through a few of my co-workers and they were very satisfied!! So I finally thought well let’s see what this is all about. I was up to my neck in loans and I was very hesitant to get the consolidation started at first, but Kelly was very helpful and explained to me with detail what to do and made me feel very comfortable. We had to try different ways to get them consolidated but she didn’t give up and was able to get my loans down hundreds of dollars! I have recommended others to look into doing this as well and am so thankful for the help Kelly gave me! Thank you soooo much Kelly!

Heidi Schlig 2/16/2013 6:11:50 AM


Kelly thank you for all your help! She took the time to explain the process of consolidating my school loans and giving me reasonable payments… Since then I was able to be approved for a home loan and am on my way to be a first time home buyer!! I couldn’t have done it without her!! She answered all my questions and was there to help throughout the entire process!! Great job Kelly!

Janine Coogler 2/1/2013 9:06:37 PM


Kelly, thank you. If it weren’t for you, we would not have consolidated our student loans. Thank you for keeping us fully informed during the process, We will recommend Student Loan Modifications to our friends. Thank you Esther & Saint,

Esther Nickols 1/14/2013 9:48:47 PM


Student Loan Modifications was referred to me by a coworker. One of the greatest pieces of advice I have received! Kelly (my rep) worked quickly and diligently to get my loans consolidated to a payment of $0. She made sure to communicate with me throughout the process. I appreciate her efforts and the efforts of those like her out in the field helping college students, graduates and the like. Thank you!

Daniela Valle 11/1/2012 1:36:13 AM (GMT)


Thank you Kelly, Thanks to Kelly I have financial freedom that I did not think I’d see for 10 years. My loans had been by far my greatest debt to currently almost nothing. Kelly you are the best!

William McCoy 10/20/2012 4:15:04 PM (GMT)