Additional Programs
Other Forgiveness &
Relief Options
Beyond PSLF and IDR plans, we help with specialized forgiveness
programs, loan discharges, and consolidation services tailored to your
unique situation.
Income-Driven Repayment Plans
Lower Payments Based on Income
Reduce your monthly payments to as little as $0 based on your income
and family size. Choose from IBR, PAYE, SAVE, ICR, and ISR plans with
forgiveness after 10-25 years of payments.
Available Plans:
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IBR (Income-Based Repayment)
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PAYE (Pay As You Earn)
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SAVE Plan (newest option)
Our Services:
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Plan comparison & selection
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Application preparation
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Annual recertification
Compare IDR Plans
Public Service Loan Forgiveness (PSLF)
Complete Loan Forgiveness in 10 Years
Working in government or for a qualifying non-profit? Get 100% of your
remaining Direct Loan balance forgiven after just 10 years (120
payments) of qualifying employment and payments.
Requirements:
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Qualifying public service employment
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Direct Loans only
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Income-driven repayment plan
Our PSLF Services:
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Employment certification
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Payment tracking & counting
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Forgiveness application
Check PSLF Eligibility
Teacher Loan Forgiveness
Up to $17,500 Forgiveness
Teachers who serve five consecutive years in qualifying low-income
schools can receive up to $17,500 in loan forgiveness. Math, science,
and special education teachers may qualify for the maximum amount.
Requirements:
-
5 consecutive years teaching
-
Low-income school qualification
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Highly qualified teacher status
Our Services:
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School qualification verification
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Service documentation
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Application preparation
Learn More
Loan Discharge Programs
100% Loan Cancellation
Complete loan cancellation for qualifying circumstances including
disability, school closure, false certification, identity theft, and
unpaid refunds. These discharges can eliminate your entire loan
balance.
Discharge Types:
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Total & Permanent Disability
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Closed School Discharge
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Borrower Defense
Our Assistance:
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Qualification assessment
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Documentation gathering
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Application submission
Explore Discharge Options
Defaulted Loan Rehabilitation
Restore Your Loans to Good Standing
Rehabilitate defaulted federal student loans by making 9 consecutive,
on-time payments. This removes the default status from your credit
report and restores eligibility for federal aid.
Benefits:
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Remove default from credit
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Stop wage garnishment
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Restore federal aid eligibility
Our Process:
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Payment plan negotiation
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Rehabilitation setup
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Credit repair assistance
Start Rehabilitation
Collections Relief Services
Stop Harassment & Garnishments
Immediate protection from collection agencies, wage garnishment, and
harassment calls. We negotiate directly with collectors to stop
aggressive tactics and establish affordable payment arrangements.
Immediate Protection:
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Stop harassment calls
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Prevent wage garnishment
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Negotiate payment plans
Our Defense:
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24-48 hour response
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Expert negotiation
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Legal protection
Get Emergency Relief
Specialized Forgiveness Programs
We also assist with profession-specific forgiveness programs that may
apply to your career field.
Ready to Explore All Your Options?
With so many forgiveness programs available, it's important to work with
experts who can identify every opportunity for relief. Let us analyze
your situation and create a comprehensive strategy.