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Assisting with Student Loan Document Preparation Financial Enhancement Services (FES) is dedicated to professional document preparation, and we do not negotiate, adjust, or settle debts. Every federal student borrower has the opportunity and is encouraged to apply for federal repayment or forgiveness programs directly through the US Department of Education at no cost. FES is not a lender or legal advice service. For legal or financial advice, please consult with a professional attorney or financial advisor. Each revision maintains the original message while improving clarity and conciseness, ensuring that the information is easily digestible and accessible for readers.