If I can give zero stars I would. They took my money ($750) and never rendered services. Originally they said its due to covid but it's 2025 & still nothing . They blocked my email so I had to use a different email to contact them. They couldn't refund my money & never contacted me agai. I'm appalled by their poor business ethics. The literally stole my money. read more

I was a client for 4 years before my loan was forgiven. During that period I saved money and redirected my student loan payments savings into other investments. I'm super happy I found a company I can trust and recommend people to. I highly recommend College Loan Freedom. read more

I cannot say enough about Larry and his team. They are so knowledgeable and found a plan that best fit my family. They saved me so much money, relieved my stress and truly eliminate our college debt. Miracles do happen, this is not too good to be true, it is not a trick. I am more versed in college financing than most, but Larry is an expert... He opened my eyes to programs that I did not know existed and completed all the necessary documents. Their pricing is fair and equitable (unlike other companies) and has more then paid for itself. Trust me you will be thankful that you hired him. Thank you College Loan Freedom for giving me piece of mind and getting us on track and out of debt! read more

They talk a good game, but blame everything on COVID. 10 months into the process I called checked on the status twice due to THEIR system not updating my records with absolutely no results. I was met with ugly kindness and greed over $500. Larry is no longer part of the organization - he sold to a woman named Jessica who will cancel your contract if she doesn't like your tone. Additionally, I was defrauded by one of their employees and new Management accepts no ownership. I do not recommend it. I was offered a partial refund in Zelle or Pay Pal - the original way I was defrauded. I'm going to file a formal complaint with governing entities. Advice for management: Talk less, listen more. read more

Larry and his team at College Loan Freedom were a true BLESSING!! I had over a 100K in student loans on my credit report and it was hurting my debt to income ratio when I was trying to purchase a home for my family. My realtor put me in touch with Larry; and the service that his company provided in helping people like you and I with our student loans, changed the dynamic of my family's life forever. Larry worked his magic and I was able to purchase a home for my family. Don't wait, don't think there is a catch and don't hesitate. Contact Larry now and let him help you change the dynamic of your life. My family and I are forever grateful to Larry and his team at College Loan Freedom!! read more

I started with Larry and his team we're wonderful. Jessica stepped right in and continued the process for me. I'm so appreciative of their help and guidance through the past almost 5 years. It's just nice to know that you're with a trusted group that is looking out for your best interest. You all have been so professional and get the job done without questions and also great follow-up! Any question I ever had you always put my mind at ease. read more

If you need someone you can trust to recommend a legit company, like I did, here it is! After dealing with two fraudulent companies, paying for years toward nothing, and feeling completely taken advantage of, Larry Morrison was insightful and had a plan to assist me right away. I felt completely at ease and know I can get true support and answers, and not a rotation of "representatives" that never assist! Thanks Larry I'm so grateful! read more

Larry helped me cut my Student loan payments from $300/month to $119/month, which is saving me $34,004 by the time my loan reaches forgiveness in 18 years (I'm not even trying to pay it off at this point)! I would vehemently recommend you give him a call and see what he can do with your payments. I found out what my new payments would be within 5 minutes of first speaking with Larry, so if you're thinking about it, just pull the trigger! My only regret is that I didn't find him sooner. read more

The way college loan lenders deal with you on the phone is awful. CLF knows how to navigate the system without all the hold ups. People often say, "you could just do this yourself if you knew how..." But just like how I don't know how to do the accounting for my business, I don't know how to navigate the purposely complicated world of loan negotiation, so I hire someone who does. There's a lot of money in the balance here and they can help you because they do this everyday. CLF gives you the peace of mind that your student loans are the lowest they can be, just like my accountant makes sure my financial future is secure. They saved me at least 3k just this year alone. Imagine the amount they'll save me over the course of my loan! Carly and LeAnne helped me out and I'm very grateful. read more

Larry has helped me tremendously with my student loan problem. I was bait and switched on interest rates and payment plan options, and I discovered this right before my third year of law school. I used to wake up between 2-4 am every single night stressed out and worried about my life and how I could have been so foolish, but then I met Larry. Not only is he super knowledgeable about all the options, but he genuinely cares about all of us with this issue, and he has lent a listening ear to me many many times. There are people out there who will tell you not to pay anyone to help you with student loan advice, because the government offers all the forms for free. The government also offers all tax filing forms for free, but that doesn't mean you should do it yourself. In my opinion, student loans and all the rules, laws, and regulations regarding them have become much too complex to navigate on your own. Thanks so much Larry! read more

Larry is the best! Very knowledgeable on all things student loans and makes it very easy to understand the process. I would recommend anyone struggling with the burden of student loans to give this program a shot! read more

Warning: DO NOT USE THIS COMPANY!!!!! This is a fraudulent company. College Loan Freedom (or The Student Loan Expert as he also goes by) is a complete scam. Larry Morrison provides so called "services" to people who have no idea what they are doing in regards to loan repayment options. He will try to offer you a variety of options and will seem real "cool" and "friendly". Do you know why? Because he's completely ripping you off! YES! The services he provides are 100% free for you to do on your own and you DO NOT NEED LARRY MORRISON to do this for you. You're in debt already, so don't waste more money on paying Larry. It's EASY and 100% free to take care of changing your loans and repayment options totally by yourself. How Larry Morrison's Scam works: 1. He will talk to you on the phone and make it sound like he has a bunch of options that you've never heard of or maybe some that might work. He might ask for your FSA ID, but don't give that out...keep reading to see why... 2. He makes sure to setup an in person meeting with you after this if he hasn't gotten your FSA ID yet. I setup the meeting, but in the meantime, he still emailed me and asked for screen shots "but I also need to see the specific loan types as well. If you use the FSA ID to log into the NSLDS then I can get a more accurate picture of what needs to be done. Take screen shots and send them to me". I have all this in emails as well for legal proof. I also told him multiple times that I was NOT comfortable giving him my FSA ID or any username / login / password info, but he kept pressuring me to do give that information to him. I decided I'd looking into this further by going to a meeting to see what this was really all about. 3. During the meeting he takes some notes on his tablet and pretends to be a professional 4. If you do setup a meeting with him, be extremely careful because he will try to get you to login to your student financial aid account so he can "look at the exact numbers". He plays it off like he can help you, but he won't "really" be able to help you or provide you with exact details without looking at your account. All he has to do is keep you logged in on his tablet and he can do anything on your account. He can also have a program setup that tracks the exact keys that you type so that way he has your password and login. 5. This is actually ILLEGAL for you to give your student financial aid info (officially known as your FSA ID) to someone else to use. YES, if you've done this, it's a crime. Larry is basing his business 100% off of crime and using this information and then charging you for it. How is that ethical, legal or honest? It's not. 6. Note that all he does on his end is EXTREMELY simple. He literally just submits paperwork that you've filled out and charges you for this. It's free to submit this paper work and to change your loans. Yes, I still have ALL of this in detailed emails. Larry Morrison offered to charge me a total of $595.00 for this fake "service". He even offers you a free month of not having to pay for loans, which is again, an option that you can pick when you do this yourself. He even offers to allow you to do "split" payments so it's not too hard to pay him back. Let me tell you that my payments for my student loans were about $600 a month already and by doing the process and changes MYSELF I got my loans down to less than $300 a month. ALL BY MYSELF. So I'm extremely glad that I did more research and did not pay Larry almost $600 and participate in illegal activity. He even tried to say that "having an honest person on the private side would be a great benefit to" himself and those he works with. This company and Larry are the complete opposite of honest. HOW TO CHANGE YOUR LOANS ON YOUR OWN WITHOUT BEING SCAMMED AND SAVE $595: 1. You have full control of the repayment options and you can change them at anytime. This is NOT something Larry does, but the NSLDS and Department of Education. 2. Start by contacting your loan repayment company and tell them you want to consolidate your loans into 1. This is free and all this does is put them into 1 account versus multiple loans. They will give you instructions on how to consolidate your loans into 1 loan. 3. After your loans are consolidated (takes about 30 days--this is the "free" time period that Larry offers as he pretends to make it one of the benefits of doing that through him), contact your loan repayment company and tell them you want to lower your month payments. You can also research this at the very beginning so you don't have to wait and you might even be able to get a clear idea of what you'll be paying after the loans are consolidated. 4. Sound too easy? It is! Do some research, educate yourself, and don't let Larry Morrison rip off any more people! 5. Finalize your loan repayment based on the options your repayment company has to offer you. It might be income based, etc. but you have a variety of options. Good luck! read more

Larry and Carley probably know more about student loans than anyone in the country. They are the only people I have spoken with that understand the ins and outs of the system and could answer every question I had regarding student loans and my repayment options. I have been very impressed. They are SO much more knowledgeable then your lender or any other financial advisor because they have made it their jobs to be the experts in this field. I don't know about you, but asking anyone about the best way to manage student loan was a minefield of misinformation; it felt like we were all trying to navigate the waters without a compass. After talking with Carly and Larry, this changed. I have complete confidence in College Loan Freedom in handling my student loans. By the way, having someone on my team with all that knowledge that deals with Navient's nonsense so I don't have to is PRICELESS. They will make the calls, write the letters, deal with the paperwork in order to get the best pricing option for you while still meeting criteria for forgiveness plans, if you qualify. My loan payment went from $1850 to $250/mo after partnering with them. This allowed me to finally live my life and not struggle to make ends meet. I also want to note, that I am a person that had a million questions and communicated with them for months before actually hiring them. Not only did they continue to communicate with me, they answered honestly and where forthcoming about every scenario that I gave them in regards to the future of the loans. I never felt pressured by them, but ultimately felt that I trusted this program and the expertise of these people to handle my loans and ultimately, my livelihood. There are no question marks regarding my future now, I know exactly what it holds in regards to these loans, thanks to College Loan Freedom. read more

Larry helped me cut my NAVIENT loan payments from $350/month to $169/month, which is saving me $39,096 by the time my loan reaches forgiveness in 18 years (I'm not even trying to pay it off at this point)! I would vehemently recommend you give him a call and see what he can do with your payments. I found out what my new payments would be within 5 minutes of first speaking with Larry, so if you're thinking about it, just pull the trigger! My only regret is that I didn't find him sooner. read more

I've been overwhelmed with student loan debt for years, making significantly high monthly payments with no real progress to show for because of the high interest rates on my loans. Feeling somewhat hopeless about ever paying my loans off, I contacted College Loan Freedom for a consultation and ultimately met with Larry. His professionalism and good natured demeanor immediately put me at ease. Notably, his expertise and understanding of the student loan system is exceptional - he knows it inside and out. After taking the time to understand my situation, Larry presented a number of viable, long-term solutions to consider. In the end, he reduced my monthly payments by a whopping $460 AND put me on the path to loan forgiveness. The peace of mind he's created for me is invaluable. I recommend Larry and College Loan Freedom without reservation. read more

College Loan Freedom helped me tremendously with managing my student loan debt. After acquiring a Master's Degree and starting a Doctoral program, my student loans reached $135,000. My minimum monthly payment according to Navient was $1800 a month. Unfortunately, my career field didn't pay me enough to afford the payment. Larry Morris, CEO and Founder of College Loan Freedom was able to help me reduce my required monthly payment to $0! I am so thankful for the assistance provided to me by College Loan Freedom! The service was great, time was taken every step of the way to keep me in the loop of the progression with my case, and all of my questions were answered! Highly recommended!!! read more

Larry began this organization to help others and to help the community and he does this to the fullest. Earning one's education only to discover that post-degree wages do not increase always as anticipating is daunting. I have/had no intention of not paying loans back but the reality of the $1000 + monthly payments was overwhelming. Larry is caring, professional and understands the emotional challenges involved with the process and is knowledgeable about the industry and the specifics. He follows-through on his word and sees clients through the entire process - I am grateful to have met him and to know him and encourage anyone to seek his services. read more

I've been burdened by our parent college loan for so long and all along I could have entered a program to have it paid in full in 10 years working for the city. Larry told me of all of my options and called the loan company and all parties involved for me. I now have a payment of $0!!!! I thought for sure I wouldn't qualify but Larry made it happen. Thanks Larry - you are the best!! read more

OMG Larry is super approachable - makes you feel comfortable in the midst of your student loan mess of things you may have avoided for years out of not knowing who to talk to or approach he sits there and helps you untangle that straighten it out and for the lowest and best rate possible so it doesnt hinder your life - So grateful to have been introduced to him !!! and i highly recommend him to anyone wanting to face and address and smooth out and fix their student loans !!! read more

I am so happy to have come across Larry and in just two short weeks from meeting him he's already created a customized plan to help me drastically reduce my monthly payments and communicated with my student loan companies so I'm no longer overwhelmed! Larry you are a lifesaver! read more

I don't know how to begin expressing the gratitude I have for tremendous assistance that Larry and College Loan Freedom have provided me! Living with the stress and burden of student loans is beyond infuriating as it seems like a never ending battle with a life-time sentence of debt... Larry has been able to present solutions with managing and finding resolutions to the biggest problem in my life. I can't thank Larry enough for the remarkable difference he has made in my life- simply incredible!!! read more

Larry and College Loan Freedom has been a huge help to me and has been the best thing I have done regarding my finances and my student loans. I was absolutely clueless about loan repayment options and was swamped with my payment, it was overwhelming and there wasn't an end in sight. Larry walked me through the process and my options, I felt confident turning this situation over to him. He took care of so much for me and kept me updated through the process. I have already seen the positive impact of using College Loan Freedom and definitely recommend Larry. Thanks again! read more

Larry drastically reduced my law school student loans. I could not be more thrilled - my payments are about 80% less now! Anyone with college or grad school schools should contact Larry and College Loan Freedom! read more

My experience with college loan freedom has been great! Larry has been so helpful throughout this process... he's a quick responder and has answers to all your questions. Loans are a pain to deal with, but thanks to Larry there is so much less stress I have now since I got the help I needed handling my debt. College loan freedom is definitely a life saver and a great way to get some help with your loans... I'm very glad I got recommended here, thanks Larry! read more

I had given up hope of ever being able to retire. The student loan debt for our children's college debt was nearly $100,000. We would never be out from under. Then I was introduced to Larry Morrison at College Loan Freedom. I had heard of Public Service loan forgiveness, that if you worked long enough for a nonprofit organization, some of your debt would be forgiven. But when I researched it with my loan company, they told me it only applied if the student worked for a nonprofit, not the parent, even if the loans were in the parent's name. Not true! Larry walked me through the process, handled all the paperwork, got my loans consolidated and I am now on track to have nearly 70 percent of the original loan balances forgiven in ten years. And, there is light at the end of the retirement tunnel. I never would have been able to complete this process on my own. Rumor has it that the government is trying to eliminate this program, but that people already approved are grandfathered in. My suggestion? Don't wait until it is too late. Have a conversation with Larry and learn how they can help you, too! read more

I can honestly tell you that I was in TEARS before finding Larry at College Loan Freedom. Having gotten a Masters and Ph.D. I was pretty much looking at paying back student loans until retirement (not joking). I was sick about it. I was stressed about it. The payments were going to be insane and well over what I made a month. I spent hours on the phone with several people at several loan servicing agencies. Then we were recommended to Larry. He made me comfortable and less stressed right from the beginning - the very first phone call. He is genuine and tells you how it is, which is a refreshing change from the run-around you get elsewhere. He walked me through every aspect of the process and made my initial payments so manageable that the stress literally melted away! And what is more -- I will NOT be paying until I'm retirement age -- so financial freedom IS in my future after all! THANK YOU Larry for being so knowledgable and dedicated to this process. read more

Have you ever wished that your student loans would just go away? While there is no easy way to snap your fingers and have your student loan debt magically disappear, there are ways and people who can help get your student loan debt forgiven, or place you in a program that helps with the ever growing burden. Larry is one of those people. For a fair price, he educated us on the options available, the process that would work the best, and how he would support along the way. It's worth at least a conversation with him, for sure!! read more