Consumer Protection for Private Student Loan Borrowers

How PSLA Center Protects Consumers from Private Student Loan Lenders

Private student loans are like the wild, wild west. The lenders are predatory to begin with and their whole goal is to get as much money from you as possible without touching the principle so that after paying for a while you still owe more than what you borrowed. Many of you are in this exact situation right now.

At PSLA Center, we know exactly what these lenders (and collection agencies) are up to — and we are here to protect our clients from their corrupt nature. If you want to know the truth about what they do and how we can prevent this blatant corruption, call us or request a free consultation and we will go over everything so you are armed with this knowledge.

Your Rights Under the Fair Debt Collection Practices Act

The FDCPA is a federal law that limits what debt collectors can do. Key rights include:

• Collectors cannot contact you before 8am or after 9pm
• Collectors cannot use abusive, threatening, or obscene language
• Collectors cannot make false statements or misrepresent themselves
• Collectors must stop contacting you if you request it in writing
• Collectors must provide written validation of the debt if you request it

⚠️ Scam Warning: Private Student Relief and Associated Websites

If you are searching for private student loan help, you need to know about a fraudulent operation targeting borrowers nationwide. We are documenting this publicly to protect consumers.

Who Is Behind This Operation?

The legal entity behind these websites is Joco Enterprises LLC (Puerto Rico Register No. 374860) — registered in Puerto Rico, not in California or Arizona where they claim to operate. The sole owner on record is John Jairo Sandoval, whose personal address is in Ewa Beach, Hawaii. Despite its owner residing in Hawaii and its only legal registration being in Puerto Rico, this operation advertises fake office addresses in California and Arizona to create the false impression of local legitimacy.

The advertising for these websites is paid for by E-Ideas Limitada, operating as Webhexup (webhexup.com) — a Colombian company that also built and maintains privatestudentrelief.com, including writing its content, copying this website — privatestudentloanassistance.org — and creating its staff personas (see below). A company that simultaneously builds a website, writes its content, copies this website, creates its staff personas, and pays for its advertising is not acting as a detached vendor — it is an operational participant actively involved in every aspect of how this operation presents itself to consumers. The same Colombian company simultaneously manages advertising for an auto repair shop in Colombia. You can see all the ads E-Ideas Limitada is running directly in Google's Ad Transparency Center. A company called Private Loan Relief Services LLC also appears to pay for some of their Google Ads — this entity does not appear to be registered as a legal business anywhere.

Ask yourself: why would a Colombian company build a website, write its content, copy an established website, create its staff, and pay for its advertising for a uniquely American student loan service — routed through a Puerto Rico LLC owned by someone in Hawaii, and allegedly staffed by a "specialist" who went to college in and lives in the Dominican Republic — using fake addresses across multiple U.S. states? The answer points to an operation deliberately structured to obscure who is actually behind it while collecting and sharing your personal data without your knowledge or consent.

The Fake Addresses — A Rotating Pattern

This operation lists physical addresses in multiple states to appear legitimate — all of which are false. When one fake address attracts scrutiny, they quietly swap it for a new one:

• 400 Spectrum Center Dr, Irvine CA — an outdoor shopping mall. Mail sent here has been returned as undeliverable. No office suites exist at this address. This address has since been removed from their site and replaced with a new fake one.
• 555 Anton Blvd, Suite 368, Costa Mesa CA — their current California address. This building ("Spaces The MET") is a coworking and virtual mailbox facility. Suite 368 does not exist in the building. They replaced one fake address with another.
• 490 S Price Rd, Chandler AZ — not a verifiable commercial office location. The legitimate office building on that road is at 1490 S Price Rd.

Joco Enterprises LLC has never been authorized to conduct business in California, Arizona, or any other state where it has claimed a physical address.

Multiple Phone Numbers — All the Same Operation

This operation uses multiple phone numbers across their websites to make it appear they are different companies or have multiple offices. They all lead to the same place:

• (888) 759-7274
• (888) 953-4301
• (800) 251-4115
• (949) 543-1147 and possibly more

If you are contacted by any of these numbers regarding your private student loans, do not provide personal information.

The Fraudulent Credentials and Fabricated Statistics

These sites display trust credentials and statistics that are unverifiable and in many cases belong to entirely different companies — and their own fine print admits it:

• BBB A+ rating — this belongs to Panamerican Consulting LLC in Las Vegas, Nevada, a completely unrelated company. Clicking their BBB badge takes you to that company's page, not theirs.
• AADR membership — belongs to their unnamed "partner provider," not to them.
• "5-star TrustPilot rating" — their TrustPilot account has one review: a one-star review.
• "4.91/5 stars and 1,085+ reviews" — these figures do not appear on the partner company's own website and cannot be independently verified anywhere.
• "Since 2015" and fabricated client statistics — their own website files are dated September through December 2024. Independent web archives confirm the first capture of privatestudentrelief.com was November 14, 2024. This operation did not exist before late 2024. Yet they claim to have served tens of thousands of clients "since 2015." How does a company that actually started in 2024 make that claim? Any cursory review of their website, business, and alleged affiliations reveals statistics and figures that cannot possibly be true — numbers that exist to create an illusion of legitimacy, not to reflect any actual track record.

Their own fine print states: "Ratings, BBB accreditation, AADR membership and 14+ years of industry tenure referenced on this site belong to our partner provider." A disclaimer buried in fine print does not cure a deceptive prominent display — under consumer protection law the standard is the overall impression created. Displaying credentials prominently while burying a disclaimer in fine print is still deceptive. And the disclaimer itself proves they knew the display was misleading.

The "Vetted Partner Provider" Claim Is False

This operation claims it refers all clients to a "single vetted partner provider" that is "regularly audited for quality and compliance." This claim is false and misleading in two important ways:

First, the partner provider — which they deliberately refuse to name, stating "for commercial reasons we don't publish the partner's name" — operates in a category defined by the Better Business Bureau as "No License Required Financial Consultants." That category means exactly what it says: no professional licensing body governs this type of business and no mandatory auditing requirement exists. There is no entity "regularly auditing" this partner for anything. The "regularly audited" claim is fabricated.

Second, if John Sandoval has "20+ years of industry experience" and their specialist Henry Silva has "guided thousands of borrowers" — why is every single client referred to an unnamed third party? Genuine experts with that level of experience and track record do not need to refer every client out. The expertise narrative exists to justify collecting and sharing your personal and financial data without your knowledge or consent — not to provide any actual service. Sharing consumer data without consent is not just deceptive — it is illegal.

Unverifiable Staff — Questions About Real Expertise

The website features a "Private Student Loan Debt Specialist" named Henry Silva, listed as the author of dozens of articles on the site — all of which appear to have been published in a single one-month period in March 2026. Henry Silva is listed as being based in the Dominican Republic. Outside of a single LinkedIn profile listing Private Student Relief as his employer and pages on privatestudentrelief.com itself, Henry Silva does not appear to exist anywhere. No independent professional presence, no industry recognition, and no verifiable background in United States private student loan matters can be found for this individual.

Ask yourself: what would someone based in the Dominican Republic with no verifiable United States private student loan industry experience know about advising American borrowers on FDCPA compliance? And if he has genuinely guided thousands of borrowers as claimed — why does the operation refer every single client to an unnamed third party?

They Copied This Website — And Have Been Monitoring It

The design of privatestudentrelief.com directly copies the look and feel of this website — privatestudentloanassistance.org. The way BBB credentials are displayed, the button layout and styling, the page structure, and even our founding year of 2015 were all copied and claimed as their own. This is not coincidence or inspiration — it is deliberate imitation of a legitimate, established company designed to deceive consumers.

This is the second time this has happened. The first instance involved copying our content — once caught, they not only removed the copied content but changed the domain names they were operating under. The current site was then rebuilt by Webhexup to copy the look and feel rather than the literal text, in a deliberate attempt to continue the infringement while evading accountability.

It is also evident that this operation actively monitors this website on an ongoing basis — the pattern of copying our design updates, content structure, and page organization over nearly two years makes this clear. When new information documenting their fraud appeared on this page, they made changes to their own site — publishing dozens of articles in a single month under the "Henry Silva" persona — in an apparent attempt to appear more legitimate. Those changes did not make them more legitimate. They raised more questions.

How Far Does This Operation Reach?

To put this operation in full perspective: what presents itself as a simple student loan assistance website actually involves entities and individuals spanning seven jurisdictions across three countries — a Puerto Rico LLC, an owner living in Hawaii, a Colombian company that built the site and pays for its ads, a staff specialist based in the Dominican Republic, a partner provider operating from a Las Vegas virtual office and a California UPS Store mailbox, and fake addresses in California and Arizona. An operation spanning 7 jurisdictions across 3 countries, none of them legitimate business offices, does not exist to help you with your student loans. It exists to collect and sell your data.

What To Do If You Already Submitted Your Information

If you submitted your personal or financial information to any of these websites or gave it to one of their "reps," stop all contact immediately and monitor your credit report and bank accounts closely. If you provided your Social Security number, consider placing a credit freeze with all three major credit bureaus — Equifax, Experian, and TransUnion.

Do not give this company any of your personal or financial information.

Beware of Debt Settlement Scams

Debt settlement is ineffective and often predatory for private student loan debt. Private lenders generally do not agree to settle. Debt settlement companies collect monthly fees while holding your money in escrow, doing nothing. Debt validation — what PSLA Center does — is fundamentally different with a 99% success rate.