Utah borrowers · Private student loans
Lower your private student loan— even if you're in default.
UtahLoanRelief.com connects Utah borrowers with refinance partners who work with delinquent or defaulted private student loans. Check for a potentially lower fixed payment in about 3 minutes, with no hard credit pull for pre-check.
Example payment drop
$2,000 → $680
J.R., Ogden · Private loan refinance
Examples only; actual terms depend on credit, income, balance, and lender criteria. Lower payments may extend term and increase total interest.
Why choose UtahLoanRelief?
We're different because we understand your situation
Designed for tough situations
Partners who consider delinquent & defaulted private loans — not just perfect credit files.
Fixed, predictable payments
Help move from scary, variable payments to clear monthly plans you can actually budget for.
Local, plain-English guidance
Utah-based focus with straightforward explanations and transparent comparisons.
How it works
Simple, transparent process in 3 easy steps
Quick pre-check
Share a few details about your private student loans — no hard credit pull.
Get matched
We route your info to refinance partners who work with Utah private loan defaults.
Review options
See potential payment ranges and decide if moving forward makes sense for you.
Who we help
We specialize in helping Utah borrowers with private student loans
privateUtah residents with student loans
Borrowers who are delinquent or in default
Typical balances from $10,000–$80,000+
Income or a co-signer may strengthen your application
Not a government or federal loan program
What success can look like
Real examples from Utah borrowers
$1,800
$1,041
Examples only; results vary by credit, income, balance, and lender criteria.
$2,000
$680
Examples only; results vary by credit, income, balance, and lender criteria.
Start your free pre-check
Utah residents with private student loans only. No hard credit pull for pre-check.
By submitting, you agree to be contacted by our partners by phone, SMS, or email. No hard credit pull for pre-check. Read our TCPA & E-Sign terms.
Frequently Asked Questions
Get answers to common questions about our service
- Can I refinance if I'm already in default?
- Often yes. Our partners specifically consider delinquent and defaulted private student loans, subject to their criteria.
- Will the pre-check hurt my credit score?
- No. The pre-check does not use a hard credit pull. If you move forward with a full application, a lender may run a hard inquiry at that stage.
- Is this a federal loan program?
- No. We focus on private student loans. Federal programs have different rules, benefits, and relief options.
Have more questions?
Get in touch with usAbout UtahLoanRelief.com
UtahLoanRelief.com was started by Utah neighbors who've seen how private student-loan defaults can upend good people's lives. We're not a lender — we connect Utah borrowers to reputable refinance partners who consider delinquent or defaulted private loans and offer fixed, predictable plans.
Our promise: Plain-English guidance and transparent comparisons — no scare tactics, no fine-print surprises.