Title IV Solutions

Complaint Themes

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Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

Contacts

• Main line (BBB-listed): (866) 277-5037
• Current official site: https://www.titleivsolutions.com/
• Contact email: [email protected]
• Secondary line: (727) 565-1699
• Legacy/parallel brand site: https://www.title4solutions.org/

Locations

What Is Title IV Solutions?

Title IV Solutions is a Florida company that helps federal student loan borrowers with paperwork for default resolution, income-driven repayment (IDR), consolidation, and forgiveness programs like Public Service Loan Forgiveness (PSLF). It has operated under closely related names -- "Title 4 Solutions" on its Better Business Bureau profile and its title4solutions.org site, and "Title IV Solutions" on its current titleivsolutions.com site, registered October 2023. The current site's own description of its services has also shifted in emphasis toward default resolution/rehabilitation, collections, garnishment, and complex loan histories, and it now says more routine IDR/PSLF workflows may be directed to a separately-named service provider, FormHaven, using a platform it calls Lentara.

BBB records list the business as started September 13, 2018, headquartered at 5509 Grand Blvd, STE 103, New Port Richey, FL, with Keith T. Mountjoy as CEO. A Florida Division of Corporations (Sunbiz) record for a related entity, "Title 4 Services LLC," also names Mountjoy as registered agent, but that entity is listed INACTIVE (a 2019 conversion event on file). BBB's own profile separately states that Mountjoy is CEO of a different, currently ACTIVE Florida company, DOCUSERVE LLC, whose 2026 annual report lists a different principal address (11717 Castine Street) than the BBB-listed 5509 Grand Blvd address for Title 4 Solutions -- so the BBB-listed address should not be treated as a confirmed sole headquarters without further verification.

The company's own site states plainly: "We are not affiliated with or endorsed by the U.S. Department of Education or any federal loan servicer" — an accurate disclosure, since PSLF, IDR enrollment, and consolidation are all free to do directly through studentaid.gov or a loan servicer.

Is Title IV Solutions Legitimate?

Title IV Solutions is a real, operating business — it has a staffed office address, a working phone number, and a Better Business Bureau profile with a C+ letter rating; it is not BBB-accredited. We found no FTC enforcement action, no state attorney general consumer alert, and no CFPB enforcement record naming this company as of this review — a meaningfully different posture than companies the FTC has actually sued in this same industry.

That said, a real complaint pattern exists across two independent platforms. On BBB, one 2023 complaint alleges continued monthly billing for years after the customer's loan was already discharged for permanent disability; the company's April 2024 response said it was never notified of the discharge and canceled fees once asked. A second, unanswered December 2025 complaint alleges a loan buyback request went unprocessed for months with no follow-up. On revdex.com, three reviews (one dated August 2020, two undated) describe: being asked to pay $5,000 (later negotiated to $500) for help with a discharge with no service delivered; being told self-service PSLF enrollment was effectively impossible and being asked for FSA.gov login credentials and a Social Security number; and a refund dispute where a customer paid $781.98 over six months believing it went toward PSLF, was later told by the Department of Education the service was unnecessary, and received only $87 of a requested refund. The company's response to that complaint described its fees as paying for its own document-prep services (comparing itself to a tax preparer), not as payments toward the borrower's loan, and said it refunded three months of fees.

The FSA-credential and SSN requests described in reviews are a specific, documented risk point: federal loan forgiveness and IDR enrollment never require paying a third party your Federal Student Aid login, and legitimate paperwork help does not need it either — that login controls a live federal account.

One current, verifiable positive fact: as of this review, the company's own site states plainly that "a financial aid analysis is free" and promises "no pressure, no forgiveness guarantees, and no request for your FSA ID, password, or Social Security number" -- directly addressing the credential-request pattern described in the older Revdex reviews above. That is a current site policy statement, not proof of how every past or future interaction has gone, but it is a meaningful, checkable commitment worth knowing about.

Separately, a search-indexed snapshot of the company's Facebook Business Page (facebook.com/Title4Solutions) shows a "100% recommend" score from 6 reviews -- a small sample, and one this research could not independently confirm by loading the live page directly this session, but a specific, positive data point distinct from BBB and Revdex worth weighing alongside the documented complaint pattern rather than seeing only the negative side.

Before You Pay for Student Loan Help

• PSLF applications, IDR plan enrollment, consolidation, and default rehabilitation are all free directly through studentaid.gov or your loan servicer — no company can get you a better outcome than applying yourself for free.
• Never give a third-party company your FSA ID / studentaid.gov login. That credential controls your real federal loan account; a company that has it can take actions on your account without you present.
• If you already paid and believe you were misled about what the fee covered, ask in writing what it paid for, request a full refund, and if unresolved, file a complaint with the CFPB and the Florida Attorney General's consumer protection office.
• Verify any company claiming affiliation with the Department of Education directly with the Department — the government does not use third-party companies to process forgiveness applications.
• Ask in writing exactly what your fee covers, whether it's a one-time or recurring charge, and what the cancellation/refund terms are before paying anything — this company's current site did not publicly disclose exact current pricing in the pages reviewed.

Company Relationships

• Affiliated with: Title 4 Services LLC
• Affiliated with: DOCUSERVE LLC

Frequently Asked Questions