The EMRA-CELS Program provides for the entire spectrum of student and parent loans and money and debt management as follows:

Federal Student Loan Consolidation

• Federal Student and Parent Loan Consolidation offered by ASLCC (American Student Loan Consolidation Corporation);
• Federal Student Loan Consolidation may be one of the most fundamental money and debt management tools for most medical school graduates.
• To speak with a Consolidation Counselor for more information or a Diagnostic Review, call toll-free 1-800-741-4704.

Private/Alternative Student Loan Consolidation

• Private/Alternative Student and Parent Loan Consolidation offered by ASLCC (American Student Loan Consolidation Corporation);
• Although Private/Alternative Student Loan Consolidation is one of the last debt management options to pursue, for some it may be a necessity.
• To speak with a Consolidation Counselor for more information and to discuss your eligibility and options, call toll-free 1-800-741-4704.

Federal Stafford, PLUS and Grad PLUS Loans

Four (4) Federal Stafford and PLUS programs including Grad PLUS offered by:

• Wachovia Education Finance
• U.S. Education Finance Group
• Student Funding Group
• Citizens Bank/IEFC

Federal Stafford, PLUS and Grad PLUS loans should be priority considerations before choosing an Alternative/Private Student Loan;

Alternative/Private Student Loans

Three (3) Alternative/Private Loan Programs, loans based on good credit, with no income limitations, for undergraduate, graduate, medical and continuing education studies offered by:

• Wachovia Education Finance (including direct-to-consumer student loans provided via TERI)
• Student Funding Group
• Citizens Bank/IEFC

International Student Loans

• International Student Loans are available through the International Education Finance Corporation (IEFC). IEFC has developed special private loan programs for medical students who are U.S. citizens attending overseas schools in: Australia, Canada, the Caribbean, Czech Republic, Dominican Republic, Hungary, Ireland, Israel, Mexico, Philippines, Poland, Scotland and the United Kingdom;

• IEFC also offers the International Student Loan Program (ISLP) as the premier loan option to help international students pay for their international educations in the United States and abroad.

For more information on the Stafford, PLUS, Grad PLUS, Alternative/Private and International student loans and money, debt and credit information and resources send an emailinfo@emraloans.com. You can also contact EAS Group directly by calling 727.785.8886.