Fee Waiver

1 Before Filing will waive any fees if the consumer or debtor student has income less than 150 percent of the poverty guidelines last published by the United States Department of Health and Human Services, applicable to a family of the size involved in the 48 contiguous states.

PLEASE NOTE:

The income for comparison to the poverty guidelines is the "Total Combined Monthly Income" as reported (or as will be reported) on Line 16 of Schedule I of the bankruptcy petition.

Non-cash governmental assistance (such as food stamps or housing subsidies) is not included in calculating debtor income.

The income of a spouse is included in calculating income whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.

The income of any other family member listed on Schedule I as a dependent is also included.

Please consult with your attorney to see if you qualify. If your attorney cannot help you, call our Customer Service line at (866) 39-CLASS to see if you qualify for a waiver.

To arrange for a waiver, please forward a written request for the waiver along with evidence of any and all income to:

1 Before Filing
ATTN: Fee Waivers
790 Chaddick Drive
Wheeling, IL 60090