Save Money on your Student Loans
Benefits of our Biweekly payments program “Intellipay”:
  • Pay off your Student Loan Faster
  • Make your budgeting simpler
  • Match your paycheck to your payments
  • Improve your credit rating
  • Save Money!


This illustrates how Intellepay helps you save finance charges, and reduce the time it takes to pay off your Student Loan.


  Traditional Student Loan Medical Student Loan
Example Traditional Financing Intellipay SM Traditional Financing Intellipay SM
Loan Balance $30,000 $30,000 $120,000 $120,000
Payment $241 $120 Bi-weekly $839 $420 Bi-weekly
Term 30 Years 22 Years 2 Months 30 Years 24 Years 6 Months
Term Reduction None 8 Years 10 Months None 6 Years 6 Months
Interest Saved None $ 17,973 None $50,624



What many students do not realize is exactly how long it will take them to pay off there Student Loan when they leave college. In fact in mainy cases this debt borders on the unmanageable. Therefore finding a solution that decreases this burden frees up graduates to become debt free sooner.

At Equity & Financial Services we believe we have the right solution to help you decrease the time it takes to pay off your student loan with “IntelliPlan SM”. This payment program is an automated bi-weekly payment plan that helps reducing the amount of finance that you charges that you will pay your Student Loan quicker. Saving you money through one simple convenient process.

The logic behind this surprising benefit for you really isn’t that complicated. There are 26 bi-weekly periods in a year, which means that over a year you will make the equivalent of one extra payment. It may no seem like much, but because every extra cent goes to reduce your principal, the total amount you’ll pay …. and the length of time that you’ll pay it ……. goes way down. The bookkeeping makes good sense.

Equity and Financial Solutions is a well established provider of biweekly payments products. We offer customers this program across all areas, Automobiles’, Home Loans, and RV’s (make these link to the other pages if necessary) – if you think your savings are strong on the Student Loans, put your current Automobile and realize how much you can save!



Frequently Asked Questions:

Q: Should everyone switch to IntelliPlan SM?

A: Only if it makes sense to your particular circumstance, this is because IntelliPlan SM transfers are made every two weeks rather than once a month, this plan may not work for everyone. But if your salary is paid weekly or bi-weekly …… if yours is a two household income….  Or if bi-weekly payments are otherwise within your means, all the advantages of Intelliplna SM can be yours.

Q: Can I pay bi-weekly without IntelliPlan SM?

A: Sorry, no. IntelliPlan SM special system is the only way bi-weekly transactions can be accommodated. Of course, you may achieve similar results on your own by submitting more than your regular payments each month to reduce your principle faster and save finance charges. However many customer prefer the automatic ease of IntelliPlan makes possible

Q: Can my designated account be at any bank?

A: Yes. With very few exceptions, most banks, credit unions and savings institutions checking or savings will do fine.

Q: Can the amount of my bi-weekly amount change?

A: Certainly. If your payment goes down, or if there is a delay starting, savings will go down. If your payment goes up due to an extra amount applied to principle payments, your savings will go up.

Q: How can I take advantage of the interest savings benefits and Equity Building Benefits IntelliPlan SM offers?

A: Simply contact call your IntelliPlan SM professional toll free at 1-  800-616-4702 , or Contact Us and send us an email at service@efscenter.com 

Copyright © 2008 Developed by A Phoenix Web Design Company