Terms of Use & Privacy Policy

Terms of Use

National Docu Center LLC (NDC) is not a non-profit organization and not affiliated with any government program, the Department of Education, Sallie Mae, or any other loan servicing agency. By applying with NDC does not guarantee any outcome and results may vary.

NOTE: You can consolidate your own student loans at no charge at Federal Student Aid.

The information and statements contained on this Website are intended as general educational information and expressly not intended and regarded as legal or financial advice. By submitting your information you agree to be contacted by partners in our network, even if you are on the state or federal Do Not Call list, to discuss your options.

1. Performance of Services Upon receipt of all information from Client, Company shall promptly review the information provided by the Client, and complete the application forms for credit monitoring and the DOE program(s) that have been selected by the Client. Company shall prepare for filing an application to initiate a federal student loan consolidation through the DOE on behalf of Client, or alternatively and at the Client's option, identify and prepare applications for other DOE-sponsored programs suitable for Client. Company will keep Client updated on all progress and expected completion times.

2. Fees that Client Pays All fees are due and payable pursuant to the attached Fee Schedule. The fees shall be debited from Client's bank account or charged on Client's credit card pursuant to the attached authorization. Client shall be responsible for any third party support or service fees, such as bank processing or third party account fees. Client may attempt to perform student loan consolidation service themselves at no cost like preparing and filing taxes at no cost. All fees are for credit monitoring services with free IDR program consolidation application submissions and annual income validation recertification services included. Prior to the anniversary of the loan, Company will provide required documents and instructions to Client for submission to the DOE.

3. Guaranteed Approval or Money Back Company guarantees that the applications it prepares for consolidation or acceptance into a DOE-offered program for student loan debt, or a repayment plan using current lenders through the DOE, will be accurate and sufficient for acceptance by the DOE subject to the following conditions: ( 1) student loans that Client presents to Company are original debts, and have not been previously consolidated or had their terms or amounts previously adjusted, and have not been previously serviced or worked on by any other student loan assistance or adjustment company; (2) Client fully cooperates, is honest and timely in providing all information requested by Company and DOE; and/or (3) Client does not possess a characteristic that pursuant to DOE rules or applicable law that would disqualify Client from receiving a consolidation. Client shall not be entitled to the benefits of this section in the event that Client receives document preparation services from Company and prior to approval by DOE, Client terminates this agreement or continues with DOE without the assistance of Company. If a Client is not approved through the DOE subject to the above limitations, then Company will reimburse the Fee paid to Company (limited to funds received by Company from Client). All refund requests must be made, in writing, to Company within 30 days of any denial by the DOE. This guarantee expires six months after the date this Agreement is signed by the Client.

4. Process and Restriction on Account Transfer Once Client provides Company with all requested information and paperwork, Company will begin preparing Client's application(s). Company is not an intermediary or agent of the DOE, so it does not control any review or agency approval times. Once a consolidation or other beneficial result is secured, subject to Client's election and for an additional fee, Company will continue to monitor your account and collect the necessary paperwork from Client to make sure account is up to date and ready for the yearly income validation. Prior to the anniversary of the loan, Company will provide required documents and instructions to Client for submission to the DOE. Client understands that Company may use a third party support servicer to assist in processing duties pursuant to this Agreement and Company may share Client’s information with such processor consistent with Company's Privacy Policy.

5. Cancellation Policy The Company's cancellation policy is designed to exceed state law requirements (for the Client's protection) and be easy to understand: If you are unhappy or dissatisfied at any time prior to receiving your completed application documents (the services you are purchasing from the Company) then simply send a letter, email or facsimile to the Company requesting a refund and cancelling. Once Company completes its document preparation services and sends documents to the Client, Client shall not be entitled to a refund unless subject to above guarantee or if Client requests such cancellation within their state statutory cancellation right. If at any time you have questions, please do not hesitate to call or write to us directly.

Your privacy is important to us! We hate spam as much as you do.

• National Docu Center does not collect personal information in exchange for any free gifts or quiz/survey results.
• Your call is automatically forwarded to a student loan consolidation firm at no charge to you. The student loan consolidation firm may evaluate your situation and provide assistance if you qualify.
• You can request to modify or delete your personal information by emailing the student loan consolidation firm directly and info@ndcenter.us
• You can request to opt-out of future communications from the student loan consolidation firm by emailing and/or calling them directly.

Indemnification
You agree to indemnify, defend, and hold harmless National Student Debt Association (including its parents, subsidiaries, and affiliates and all of their respective officers, directors, employees, agents, licensors, suppliers and any third-party information providers) against all claims, losses, expenses, damages and costs (including reasonable attorney fees) resulting from any representations, warranties and covenants made by you herein. Your indemnification obligation shall survive the termination of this agreement. National Student Debt Association (including its parents, subsidiaries, and affiliates and all of their respective officers, directors, employees and agents) reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us and you agree to cooperate with National Student Debt Association defense of any such claims. National Student Debt Association will use reasonable efforts to notify you of any such claim, action or proceeding upon becoming aware of it.

How We Protect Your Privacy
Once your information reaches our server, it is protected by a firewall. With a firewall in place, your information is virtually inaccessible to third parties. In addition to encryption and firewall protections, we have all of our business affiliates agree to operate in accordance with federal and state laws and regulations, including regulations relating to CAN-SPAM and rules promulgated by the FTC. If we learn that any of our business affiliates are breaching our agreement, and therefore your trust, we will take corrective actions immediately or terminate our relationship with such business affiliate.

Who We Are and What We Do
The National Docu Center (NDC) is an online consumer information resource provided by National Student Servicing that introduces people at no cost who are interested in the services that we promote on our website to our student loan consolidation affiliates who have expressed a general willingness to review your information and determine if they are willing to provide you with the services that prompted you to visit our website. When you visit our website, you will be requested to call or complete provide certain information that our student loan consolidation affiliates request in order to perform a preliminary analysis of your qualifications to receive the service or products. You are under no obligation to accept any service or product with any of our student loan consolidation affiliates offered.

By calling our toll-free number, you agree that the following terms and conditions of this Privacy Policy shall govern our use and disclosure of your personal information. If you do not agree with the terms and conditions of our Privacy Policy, please do not call or otherwise use or access this Site. This Web site is not directed at persons under the age of 18.

This Privacy Policy describes in some detail the information that we collect from you as part of the normal operation of our service, and what may happen to the information we collect.

What We Collect
NSDA does not collect any personal information as your call goes directly to our student loan consolidation affiliate’s phone system.

We may collect user information that can help us determine what search engine you came from when you visit our Website so that we know what marketing sources are working.

How We Use Your Information
The aforementioned user information cannot, by itself, be used to gather any personally identifiable information about you, but it will allow us to track the overall effectiveness of our online advertising campaigns. This non personally identifiable information may include the Internet address or URL that you just came from and which URL you go to next; your computer browser information; and your IP address. Third parties may also set cookies on our sites to determine proper Website usage and click count statistics.

California Online Privacy Protection Act Compliance
Because we value your privacy we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. We therefore will not distribute your information to outside parties without your consent.

Children
Consistent with the Federal Children's Online Privacy Protection Act of 1998 (COPPA), we will never knowingly request personally identifiable information from anyone under the age of 13 without requesting parental consent.

Your Consent
By using our site, you consent to our website's privacy policy. By calling our toll-free number, you are granting permission to be contacted regardless if you are any government Do-Not-Call list.

Changes to our Privacy Policy
If we decide to change our privacy policy, we will post those changes on this page.

Contact Us
If you have any questions or suggestions regarding our privacy policy, please contact us at:

Contact Us
If you have any questions or suggestions regarding our privacy policy, please contact us at: 

National Docu Center
5872 Owens Ave., Suite 200,
Carlsbad, CA 92008
(800) 990-9146