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https://clixsign.com/render_document/ef8173ab899ca011a9cb533f32540b332 You 30 7009 nine Participant OK 30 70099 right You Correct Participant All right, all right congratulation mark yes the exceed has been verified. It's not like you working part-time full-time. You I'm part-time Participant Yes, OK I was asking a part-time full-time You School at the school on full-time and at work I work part time Participant OK, got it all right no problem. I'll make sure that you're going to have the maximum saving on education on the right. You OK Participant Now, could you check your regular text message for the last time? You The last time I looked at it was like two months ago Participant No, no miss I was asking. Can you check that text message for the last time? You OK, I got it Participant Yeah, yeah, could you help me with that? You OK, yes it's 1 15787 Participant All right OK, thank you very much. Really appreciate it. OK You You're welcome Participant successful open up your phone. OK I have access of your file so you can remember or any apart from this weekend provided information through your email right so I am talking about your password so your password is going to be student number 124 that is it You OK OK, you said student 1234 Participant Cell No, before just 124 You 0124 student OK got Participant Yes, yes student want to force that ass is going to be. Letter address is going to be small letter. You OK Participant Yeah, all right let me see how much you all right so I can see that you owe $10,642 right You Correct Participant All right, so which makes you qualify for getting the maximum savings now let me see You I'll Participant apart from this chain You OK Participant I can see that you possibly qualify here, so yes, I was saying as I can see that you perfectly qualify here without wasting much every time I'm going to go ahead and connect this call to one of the officer for you and he going to let you know how to be qualified on your educational will that be fine for you You Yes, ma'am Participant All right and this is the best number to get back with you that I just called You Yes, now Participant All right, let me check on that if not like you're living in the family living alone You Early with my family Participant OK family got it. Lovely I miss how many people do you have any family including you? You Five Participant Got it Have you ever applied for forgiveness program in the past? You No ma'am, just be my first Participant OK, no problem that I just called you. I miss you. Haven't filed for bankruptcy too. You I never fall for it Participant All right Is it possible? Did you also send for someone under your name someone for the educational You No, just my name Participant OK, is your OK just to you right you didn't go for You Yes ma'am, no mail Participant anybody else Right OK, let me see all right my sons not as a totally and already send the information to the officer and as soon as you file will complete I'm going to connect line OK You OK Participant Yes It's been OK so yes going to be graduating that next month you already mentioned that You Yes, ma'am Participant OK Total be like just me like a day one like like me second third You I'm not sure, but I can find out real quick Participant OK, no problem. I was just actually asking. You OK, let me let me look real quick and I'll let you know Participant Sure, no problem You What is it? May 15 Participant May 15 or 16 165 You 15 Participant 15 May 15 got it all right no problem so I'm not when I got the confirmation to the senior officer. He's glad to assist your father with these program and how to be qualified. You All right, thank you Participant You're welcome. I'm here. Gomez do not move. You OK Participant Your college is very important to us. Please stay in line you'll be transferred to the next available agent. Thanks for saying I transferred to Justin the financial advisor. How are you, Miss Tiffany? You I'm doing great how about yourself? Participant I'm doing great, thank you so much for asking You Hello Participant I'll be assisting you further I'll give you loans and according to your current financial situation let you know what program you'll be qualifying for and go to benefits for begin with that right so as for the federal records, the total You OK Participant outstanding balance that you have it is $10,642 You Yes, sir Participant The good part is that you do not have much of interest accumulated on them just $142 You I'm sorry Participant And I believe you have not started out of this total outstanding balance of 10, 642 you have $10,500 as a principle and $142 as the interest You OK Participant OK now I believe you've not started making any payments to your loans or have you You I haven't Participant And when you'll be graduating from the school You Been on May 15, 2025 Participant OK, that means next month it sounds perfect. This is the best time for you to get You Correct Participant into some kind of program because this whole process takes around 60 to 90 days to get approved from government to get reflected on your loans so before you land will be putting on any dues or you will be making any payments in the program by then so for sure you'll be getting the maximum You OK Participant amount. You OK Participant Right now all of the benefits depends on your financial situation so currently are you inside? Are you working somewhere? You Yes, I am Participant This grade, how often you to get paid there is a weekly biweekly or monthly You Biweekly Participant OK, what is the hourly rate for you? You $22 an hour Participant Number that you were working in a week would be You 20 hours Participant 20 hours a week, right? You Yes, I am part-time Participant All right so that'll make a rental come around $23,000 for the whole year before the taxes about rain You That sounds about right Participant OK, what is the tax status? Is it single or sold or married? You Had a household Participant How many people you claim on the taxes? You It's me and four kids Participant Do you want for kids that means you as your family size? You Yes, five is the family size Participant You're such an inspiration this taking care of four kids single handled in a single mother You Yes, sir Participant studying getting a part-time job. That's such an inspiration. You Thank you Participant I could not be easy for you to take care of all of these things You Know it ain't easy, but God on my side I've been managing Participant Eventually, this is life Life welcomes in many ways this is one of them You Oh yes Participant OK for sure with these figures, I will be able to get you quite a good amount of savings here You OK Participant Let me do some need to calculation very quickly so that I can Let you know what amount I will be able to save you You OK Participant Rage can be just a moment here Perfect Congratulations out of this $10,600 at all right now. I will be able to save you around $9000. You Oh thank you Participant These are the maximum benefits. Let me explain that how this will get reflected on the loan and what your obligations would be. You OK Participant So the name of the program that you are qualifying, for it is called. Say as you earn. You Save as you are Participant Pay as you are You OK, I'm sorry OK, yes sir Participant Got that No, there's no down what your obligations look like This way as you earn a plan, your initial eight payments of enrollment are supposed to be for $187.50 You OK Participant I know that figure down is one 87 50 ×8 You OK Participant Once you'll be done with these payments, whatever outstanding balance will be left out with including a principal and interest accumulated till then everything will be info You OK Participant So this way, we do the calculation the total amount that she'll be paying would be just initial payments. They'll be total $1005. You Yes, sir Participant And you already know what is your current outstanding over $10,600 right You Correct Participant Straight away, you will be saving yourself $9142 on her current outstanding balance itself You Correct, thank you Participant No, that's not it. I will be able to get you some extra savings as well so whatever increase you will get accumulating on top of this $10,600 incoming years do not have to pay for that as well. That means whatever interest accumulating will also be forgiven if a financial situation remain the same or similar term. You OK Participant OK, so these are all the features in the benefits of this program. Any question any doubt how this works soon You OK, so question if I pay them eight payments if I pay this eight payments you know when I get paid like I pay like one since I get paid every two weeks and I pay like you know twice a month the same to get the payments paid off before y'all approved me. Will that will that automatically take away? You know in case they try to add interest to it Participant OK, so let initially payments and these initial payment to one 8750 goes to the processing documentation fun for the sooner you'll be done with them the sooner you'll be rolling the program to claim all of the benefits sooner so you have all the right to make these payments on a weekly You OK Participant business you can do them on a weekly visit as well or 1 pound and three weeks or even all in one the sooner the better for You OK Participant So there's no any penalty for making the payments earlier or in order to post the payments totally up to You OK Participant Just decide about the payment dates, remembering the sooner the better You Yes Participant I'm moving forward let me go ahead and cross the details. I'm putting on in the document just to make sure that we both are on the same page for the full name. The final is Tiffany white You Yes, sir Participant is 11 189. You Correct Participant Email address I'm having a different event 888@gmail .com You Correct that's my email Participant The best thing to send you the document on right now You Yes, that would be the best email to send it to Participant Perfect moving forward I'm having a permanent address is 201 Warren Rd. that's in enterprise AL 36330 You Correct Participant OK This is a verification of having your Social Security number that is ending with 3418 for the state ID You Correct Participant verification. I'm having your drivers license number that is 798-442 0 sun. You You said I'm sorry 0095 is that what you said for my phone number? Participant No, the drivers license number for that I'm having that is 798-4420 You Yes, sir Let me look I'm looking. I gotta go get my ID hold on just a second. Participant No problem You OK, my ID number. I just want to go ahead. You can go ahead and read it. Participant Sure show the numbers that I'm having it is. I'm sorry. Give me money that was at 798-442 0. You Correct Participant Right Let me keep everything is same Now let me associate your loan details with application documents and meanwhile, let's put on your billing information as well. I have to put that in the documents that I'll be sending you. You OK Participant So be a payment that I told you one 87 50 as you already know now the sooner the better because I'm preparing the documents today and I'll be submitting on the department of education as well that means the first of one 8750 will be due and heard from today itself, so that means you can make that first after getting the document signed and submitted by you like within half an hour so if I put on the first date as of today, that is it the second let me know how soon we can come over the second payment on You I could buy second payment let me see. I gotta see when I get paid again. Let me look at my. When I get paid looking at my own thing real quick, just a second To come on OK, so my next payday will be April 11 Participant April 11 You Correct Participant cancel from there like for seven as a for April 2 today and then from April 11 will that be according to your pay period on a biweekly basis You Yes Participant Now let me know what more update in the document. Will that be a debit card or a credit card? You Goddamnit or a Visa I guess that's what you called. It's gonna be coming off my checking account. Participant To be checking account, let me know how does the name appears on your debit card? You Tiffany Narbonne Participant No middle initial right just the first name in the last name To get card number, but that would be You The 16 digit card number that will be I'm sorry It's gonna be 4 0316301 78 97 7 749 Participant Expiration date You Zero 3 30 Participant She in the back The three digit CVV on the back of the card You Oh, I'm so sorry. It's 84 5. Participant 845 and it's OK. The billing address remains the same. 201136320. You No, on this one is a different one. I know this is a different one. It's 10 Participant OK You 6. Heron H ARRAND Creek CREE K Rd. enterprise AL 36330 I gotta change it. I haven't changed it yet. Participant What is the ZIP Code? You 36330 Participant 10 6 Heron Creek Dr. right You Correct Participant 36330. This will be the billing address for the hours. You Brick Participant Give me a moment let me put on the date very quickly Relevant By the ninth 23rd Six June 20 July 4 as last payment You All right Participant Sorry on one more thing I'm here needed for employment information. Let me know what is the name of the company that you work for You Wells Fargo Participant Wells Fargo What city? You Enterprise Participant I can find when the address there is 6 19 ball We will circle is that the one? You Yes, it is Participant What is the position in the bank? You Tell her Participant What is the length of employment from how many months a year you're working there? You A year in January March April a year and four months at the count Participant One year four months You Yes Participant Right No, I have forwarded the file further to my documentation head You OK Participant And get a moment you'll be getting the documents to sign on your Gmail account You OK Participant I just got an updated. The document have been sent so kindly check for that. You would be getting the email via click sign from Henry Johnson. That's our documentation Heather over for your You OK Participant convenience. I have sent you a text. Also they'll be having a link to the documents. You OK, I got them. I click. I gotta click both of them or just click one of them. Participant Of the boxes check both of them and then click on signing You OK, I will. I got it here he goes. Participant I want into the documents find a very first box that says sign here hidden a couple of blue color bumpers will show where you have to enter a signature and the initials either you cannot draw them or you can type them as well I think would be much easier for You Yeah, that's what I just did on letting it go through that way. My son is signing. I Participant Forward You just wanna make sure everything's signing is on tap. I hope it's signing it is not sign. No, it ain't sign hold on. I gotta go back gonna go back. Tap here tap Participant He just said to head to all the boxes that they signed here. You did not have to sign all all of them again and again because they're adopted signature will automatically go there You I got you OK, document successfully signed Participant Let me cross ones from my documentation Yes, the document have been signed in successfully now just a couple of references. Also, I have to put that in the documents. I'm already having a couple of them with me. If you wanna make some changes, let me know. Otherwise I'll keep them the same so the first person I'm You OK Participant having as a reference is joint strength as your friend. You Yes Participant And the second one is Kenneth van You Call Kenneth win yet Participant Kenneth As your fiancé You Yes Participant Right phone number for Joyce. I'm having a sweet 343892192. You Correct Participant Addresses of 91 County Rd. and rice You Yes Participant Now for Miss Kenneth, I'm having a phone number as 845-558-4224 You Correct Participant An address of 135 Rosemount code You Yes Participant And appliances , 3 630 You Yes Participant All right, done with both of these references and other for me to draw right now let me go ahead and send me to find further and meanwhile there's just one compliance verification left over get that done as well so this compliance will be done in order to make sure that I have explained everything in a proper way to you and in order to maintain a quality info training purposes this compliance spot will be on a recorded line as well so you read our a few statements and ask it. Does it make sense you just have to give an affirmative sponsor allowance and you'll be done. You OK, yes sir Participant OK So before we jump onto the compliance part, let me give you my direct line number for future references You OK Participant So please not down You All right Participant Let me know when you're ready You I'm ready Participant They'll be 46 9 You OK Participant 66 9 You OK Participant 2878 You OK I have 469-669-2878 Participant You can save this number circle That is right you can save this number by my name You OK Participant Justin along with the name of the company that is capital core advisors You OK, you say core advisors capital Participant Capital core advisors because from here on all of the needful documentation regarding will be taken care of by us so if you need any assistance regarding loans, the first point of contact should be house in order to avoid any confusion, right You Yes, sir Participant Perfect Now let's move forward with the compliance far as I mentioned this will be on a regular line for training in quality assurances and whenever I will ask you, does it make sense you just came to reply as allowance clear yes and will be done You OK Participant We're almost done let you go. I need to go with disclosures in Phoenix for Louisiana for understanding in protection. It is very important that you listen to me. You have a question or something to make sense so please say your name. You OK, you said you need to say my name yes it's Participant State your name yes You Tiffany Y Narbonne Participant Date You 11 one 1989 Participant And allow phone numbers of social You 3418 Participant Again, thank you for giving us to help me save as much money as possible nice of education loans cable to advisor the department of education our service advisor did not also credit education anyway different programs are not offered like these for the government. We are in and company to work with to public preparing application and show that you are in order to receiving the federal program benefits that you qualify for through the government does that makes sense You Makes sense yes Participant Education to apply for in process for educational service of communication and then at the same text are able to find the taxes on. Does it make sense? You Make sense yes Participant Today's a very much to get this month coming in financial situation this month I need an income and a family loan to give me some could be more depending on our financial situation to the program. However, you want to give me shit always be affordable sales in income does that make sense? You Make sense yes Participant As a Spanish version income, the number of dependent on the taxes I have taken your annual gross income is $23,000. The claim taxes will be fine including you and you're failing your taxes are based on these factors and with these numbers and does that make sense. You Makes sense Yes Participant This program does not interest interest. Still normally hang over if you finish your program any interest in principal balance Puerto Rican will be given under the program. Does that make sense? You Yes Participant In order to give me you have to finish your program move to 40 months this program version of financial situation and the situation changes and the goal is not to be alone and as you can, the goal is to provide the least amount qualify for within equipment term do you have as much as we can forgiven once the term has been met? Does that make sense? You Yes, makes sense Participant Payment will take affect application process has been accepted in consideration. Does that make sense? You Yes Participant Advisor there's not guaranteed that laundry loan going to get me somewhere as long as you follow the program to the end of the program you will receive loan forgiveness on your loan. Does that make sense? You Yes Participant You're any payments of $187.50 the first aid weeks and the process of reputation documents and getting into the federal program and I'm going alone does that make sense? You Yes Participant We guarantee you don't have a loan processing completed in 60 to 90 days from the time you receive all documents we will contact you regularly to give you a update an account and collect any missing information from you as I needed to phone call text messages and email as you know this is a program you need to provide us proof of provide any necessary information and documentation that application can submit to the department of education for processing. Does that make sense? You Yes Participant Given the process, you will receive updates and statements to email please. Can you get received from the department of education does that make sense? You Yes Participant Please contact the time for any question or explanation on my number and you will receive a text also with the contact information You OK Participant Now Miss Tiffany Arbon was scheduled to advisor because initial payment of $187.50 from the debit Visa ending with 7749 starting from April 2 on a biweekly visit You Yes Participant Perfect you're done with the compliance part as well meanwhile, I have some file. Also I would suggest kindly be active on the email for at least 10 to 12 days because you will be getting all of the needful updates and application status the same so that we can acknowledge all of them and reverse to if needed. You OK, all right Participant Right Perfect now as I have some ready to file further I'll get to find approved from my documentation right now without any delay and then once you will be approved it will be transferred over to the brain department to run the first payment of one 8571 You OK Participant I will also check. I'll be there in a minute if there is any kind of savings or kind of discount or any offer that is available on file it would be a pleasure of mine if I can save us some extra bucks. You I'm sorry repeat that Participant Sure, I'm saying I will check with my billing department if there is any kind of discount or any offer available on your file on these initial payment if I can save you some extra money, it would be a pleasure of mine You OK, thank you Participant But I cannot guarantee that there would be some savings I can claim it for you, but at least I can try it right You That's it Participant So I have to put you in a quick call for a minute or two while I'm doing all of these needful things is that OK can I put you in a quick call? You That's fine that's fine Participant Sure, thank you I'll be right back You I'm off tomorrow What is that? Participant Thanks for rolling the line Mr. You You're welcome Participant All right, I have a similar to file and within a minute it will be approved. I push it further for the approval as well and then it will be transferred to the billing department within a minute, so meanwhile, I got an update that there is a lump sum payment available congratulations for that. You Thank you Participant Not me give you the figure it Let me calculate that very quickly give me just a moment You OK, take your time Participant Congratulations you are getting quite a considerable discount of $536 so let me explain that to you how You OK Participant So you're supposed to make a payment of one 8750 right? You Correct Participant That will be in total loss $1500 $1500. That will be a pain, right You Correct Participant Now, if you don't this $1500 to be paid back from you if you can simply come up with one single payment of $964 today there'll be no any other payment to do ahead from the very next month or month will be zero dollars that means no more payment that straightaway save you $536 extra and this way your forgiveness month to $9678 also You do not have to wait for eight months to get into the program So that will save you eight months of time I know and $36 as money You OK Participant If you wanna consider that you can use even a credit card as well if you wanna put this bill on a credit card still I'll be able to get you the same benefits You Can you say how much is it 900 and what? Participant 60 4964 You OK Let me see cause I don't have no credit card. I don't I don't use credit card so I don't have that right now. Is there anyway I can give you a call back if I could try to see if I can get up that money because I'd see if I can try to get that up cause I don't have that on me right now cause I just pay his first I just paid most of my bills. Participant Right right right I understand OK actually on I'm working until 630 central time. It's already 635 so now we can do one thing I can claim this offer for that at least make a partial payment today and out of this 964 E. 482 today and that is half of it so that I can claim this offer in the next 482 you can do tomorrow and then know the payment. You That's the thing I gotta see how much is in my bank account cause I do have stuff coming out of my account right now. That's what I'm saying. I don't know until all my stuff get taken out of my account. How much I have left over right now cause I got reoccurring payments. Yeah, that's why I said that 180 was OK. That's like Participant Kind You $200. I have that right now on my card. That's why I was gonna be able to do that one. Participant Right right right let me see all of this 9 6 4 You make Can you do 264 today and then 700 you can do tomorrow You That's the thing, though I don't know. I have to wait until all that stuff get taken out and then tomorrow is Friday. I don't know sometimes places don't take stuff out until the end of the month or at the end of either tomorrow or Monday. I have to see when they pull out my stuff on my account. That's why I don't touch my account until I get all that taken out. Participant OK, OK OK see in order to claim this offer on even if I will claim this offer by making you pay $200 today the rest amount or some half of it you have to make tomorrow as well You OK Participant So if you think that you can make up some more payment tomorrow on top of the You Yes, I could make some work Participant $200 You I can more likely pay something else tomorrow yes but I can't do the whole nine something today now Participant No problem so we can do one thing see because I'm figuring out some ways to get you claimed You Great Participant so let's get this done 200 today and let me know how much she will be able to do tomorrow You I won't know until I look at my bank account tomorrow morning went out when they was an a if they take some of the stuff out I won't know until then I can't give you a number Participant OK OK sure no problem so let me do one thing. Let me put on these state service phone and claim this offer otherwise it'll be late. This year You OK Doesn't matter Participant All right so for the time being I have buy at 964 into two parts like $200 and 764 now out of the 764 that will be due tomorrow. You can let me know tomorrow whatever funds you have. I'll get that OK You OK Participant And then the rest amount you can do on 11 days that's not a problem You OK, thank you Participant So now, as I have claimed this offer and done the needful changes in the documents as well, so I have to get one document signed from you also and so that you should also be having some thing as a true video because the document that I sent you earlier. We're having those earlier figures right You OK Participant Right so kindly check your email and you would have received similar email via click sign with the title of this would be new payment mode authorization open it up and sign it the same way similar way that you have done earlier You OK, I got you there. It is I got it. Participant Let me know once you're done You All right I just did it Participant All right, let me confirm once Right I just got an update that your file has been approved. Congratulations for that. I'll be You Thank you Participant transferred over to the billing department. Meanwhile, if you receive any kind of phone authorization. From the bank, please check up payment amount of $200 and merchandise is capital advisors and authorize payment if you receive that You All right Participant Let me get some update from the billing department very quickly. Give me just a moment here. You OK, take your time Participant Thank you All right, thanks for all the liners now I just got an You OK Participant updated. You must have received an authorization on a text or email just trying to get that authorized. You OK, I just got it authorized in the money to get more OK it just just try to go through so they just just asked me to re- approve or deny it and I disapproved it on my own banking so they didn't get out there. Try to resend it again. Participant So have you approved yet? You Yes, I just approved it. Yes, I approved it. Participant Through the text or through the email You No my bank through my bank it just came through my bank to make sure I approve it and I just approved it through my bank so it's waiting on you try Participant OK sure All right, let me inform that to my billing department You OK Participant Usually, it takes a minute to get this selected onto the actual transaction so they will run the transaction with him right now You OK Participant Give me a moment All right, I just got an update that the first $200 have been cleared You OK Participant So congratulations to that now let's see tomorrow. Try to make the maximum amount of it. The rest amount is $764. You OK Participant All right, whatever amount you will go to bed you already have my number right 469 area number. Feel free to reach me and information so that I can get the update with the You Correct Participant document. You All right sounds like a plan Participant Perfect see you tomorrow. I really appreciate your time and patience. Your name. Is Norman. Take care and have a good night. You YouTube YouTube bye-bye