Effective Date: July 23, 2026

Welcome to AmeriDebt Consulting, Inc. ("AmeriDebt," "Company," "we," "our," or "us"). By accessing our website, requesting information, scheduling a consultation, or purchasing our services, you agree to these Terms & Conditions. If you do not agree, please discontinue use of our website and services.

1. Nature of Our Services

AmeriDebt Consulting, Inc. provides professional administrative support and document preparation services related to federal student loan administrative processes.

Our services are designed to assist clients with organizing information, preparing requested documentation, completing administrative forms, and providing general educational information regarding publicly available federal student loan repayment and forgiveness programs.

AmeriDebt prepares documentation based solely on information provided by the client.

We do not:

• Originate loans

• Service loans

• Make lending decisions

• Negotiate debts

• Settle debts

• Provide credit repair services

• Guarantee eligibility or approval for any federal or private program

• Provide legal, tax, accounting, or financial advice

Eligibility determinations and application approvals are made exclusively by the applicable government agency or loan servicer.

2. Services May Include

Depending on the services requested, AmeriDebt may provide administrative assistance with:

• Client intake and case review

• Preparation of federal repayment application documents

• Preparation of Public Service Loan Forgiveness (PSLF) documentation

• Preparation of federal loan consolidation documentation

• Preparation of rehabilitation-related documentation

• Organization of supporting documentation

• Administrative follow-up regarding requested services

• General educational information regarding publicly available federal student loan programs

AmeriDebt does not make eligibility determinations or represent that any application will be approved.

3. No Government Affiliation

AmeriDebt Consulting, Inc. is a privately owned business.

We are not affiliated with, endorsed by, or acting on behalf of:

• The U.S. Department of Education

• Federal Student Aid (FSA)

• Any federal or state government agency

• Any student loan servicer

• Any lender

Borrowers may apply directly for available federal repayment and forgiveness programs through official government resources at no cost.

4. Client Responsibilities

Clients agree to:

• Provide complete and accurate information.

• Review all prepared documents before submission.

• Promptly provide requested documentation.

• Notify AmeriDebt of any material changes affecting requested services.

• Maintain communication throughout the engagement.

AmeriDebt is not responsible for delays resulting from incomplete, inaccurate, or outdated information supplied by the client.

5. No Guarantee of Results

AmeriDebt Consulting does not guarantee:

• Approval of any application

• Loan forgiveness

• Reduced monthly payments

• Consolidation approval

• Rehabilitation approval

• Processing times

• Specific financial outcomes

Program eligibility and decisions remain solely with the applicable government agency or loan servicer.

Past performance or prior approvals do not guarantee future results.

6. Fees

Fees for administrative support and document preparation services are disclosed before work begins.

By purchasing services, you authorize AmeriDebt Consulting to charge the agreed-upon amount using your selected payment method.

Fees compensate AmeriDebt for administrative work performed and are not contingent upon approval or denial of any application.

7. Refund Policy

Because services involve professional administrative work and document preparation, refunds may not be available once work has begun.

Refund requests are reviewed individually based on the circumstances of each case.

Approved refunds will be issued to the original payment method whenever reasonably possible.

8. Payment Plans

If you enroll in a payment arrangement, you agree to make payments according to the agreed schedule.

Failure to remain current may result in suspension of services until the account is brought current.

9. Electronic Communications

By providing your contact information, you consent to receive communications from AmeriDebt Consulting through:

• Telephone

• Email

• SMS/Text Messages

• Electronic documents

These communications are intended primarily for customer service and transactional purposes.

10. SMS Communications

By voluntarily providing your mobile telephone number and opting in through our website or another approved method, you consent to receive SMS messages from AmeriDebt Consulting.

SMS communications may include:

• Appointment confirmations

• Appointment reminders

• Requests for documentation

• Secure verification messages

• Account notifications

• Status updates regarding requested document preparation services

• Customer support communications

Message frequency varies.

Message and data rates may apply.

Reply STOP to unsubscribe or HELP for assistance.

Consent to receive SMS messages is not a condition of purchasing any product or service.

AmeriDebt Consulting does not use SMS to advertise loans, originate credit, negotiate debt settlements, or send unsolicited financial solicitations.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

11. Privacy

Your use of our website is also governed by our Privacy Policy.

AmeriDebt maintains reasonable administrative, technical, and physical safeguards to protect client information. However, no method of electronic transmission or storage is completely secure.

12. Intellectual Property

All content appearing on this website, including text, graphics, logos, branding, educational materials, downloads, images, and website design, is the property of AmeriDebt Consulting unless otherwise indicated.

No material may be copied, reproduced, distributed, or republished without prior written permission.

13. Acceptable Website Use

Users agree not to:

• Use the website for unlawful purposes.

• Attempt unauthorized access to Company systems.

• Upload malicious software.

• Misrepresent their identity.

• Interfere with website functionality.

AmeriDebt reserves the right to restrict access for violations of these Terms.

14. Third-Party Websites

Our website may contain links to third-party websites for convenience.

AmeriDebt is not responsible for the content, policies, or privacy practices of third-party websites.

15. Limitation of Liability

To the fullest extent permitted by applicable law, AmeriDebt Consulting shall not be liable for indirect, incidental, consequential, special, or punitive damages arising from:

• Use of our website

• Use of our administrative services

• Government processing delays

• Loan servicer decisions

• Program eligibility determinations

AmeriDebt's total liability shall not exceed the amount paid by the client for the specific service giving rise to the claim.

16. Indemnification

You agree to indemnify and hold harmless AmeriDebt Consulting, its owners, employees, contractors, and affiliates from claims, damages, liabilities, expenses, or costs resulting from your misuse of our services or violation of these Terms.

17. Governing Law

These Terms & Conditions shall be governed by the laws of the State of Florida.

Any legal action relating to these Terms shall be brought in the appropriate state or federal court located within Florida.

18. Changes to These Terms

AmeriDebt Consulting may update these Terms & Conditions from time to time.

Updated versions become effective immediately upon posting to this website.

Continued use of the website constitutes acceptance of any revised Terms.

19. Contact Information

AmeriDebt Consulting, Inc.

Website: www.ameridebtconsulting.com

Email: info@ameridebtinc.com

Phone: (855) 479-5105

Business Hours:

Monday – Friday

9:00 AM – 6:00 PM EST