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CONFIDENTIALITY NOTICE: 

Any information and any files obtained and/or transmitted via this website will be held as confidential. Be aware that the use of any confidential or personal information may be restricted by state and federal privacy laws. 

THIRD-PARTY COMMUNICATION NOTICE:

At times our communications may provide links to third-party articles, websites, and/or presentations. Please note that these links are provided for informational purposes only. Although the information and opinions included have been obtained from sources believed to be reliable; accuracy and completeness cannot be guaranteed by HUG Your Student Debt, Inc., HUG Your Debt, Frances Rahaim, Ph.D. or any employee or contractor of the above mentioned.

SEEK INDEPENDENT ADVICE:

Any information expressed in this website is intended for educational purposes. You should not rely upon this general information alone to make Social Security, legal, tax, investment, estate or financial planning decisions. Neither HUG Your Student Debt, Inc., HUG Your Debt, Frances Rahaim, Ph.D. or its employees or contractors, provide legal or tax advice. For this type of advice, you must consult your accountant or attorney. 

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"There is scarcely anything that drags a person down like debt."
– P. T. Barnum
"Nothing in life is to be feared. It is only to be understood."
– Marie Curie
"Bankruptcy laws allow companies to smoothly reorganize, but not college graduates burdened by student loans."
– Robert Reich
“What I would like to do... once I take care of all my kids' student loans, is buy a red 1965 Mustang and fully restore it.”
– Mike Quigley
"If we don't change direction soon, we'll end up where we're going."
– Irwin "Professor" Corey
“This would be a much better world if more married couples were as deeply in love as they are in debt.”
– Earl Wilson
The road to success is always under construction
– Lily Tomlin