Don’t be another statistic.
Get Enrolled Into The Forgiveness Program NOW!
We have helped thousands of Americans with guidance on how to get into the student loan forgiveness programs offered by the Department of Education.
Public service loan forgiveness for teachers, law enforcement, nurses and other government and non-profit professions.
Most qualify for a lower monthly payment based on income, not loan amount. Some even qualify for $0 payments.
For profit colleges have been taking advantage of students over the last few years. If you’re a victim you may qualify for full loan forgiveness.
Full loan forgiveness for students that were in attendance during a campus closing without teach out programs implemented.
Get your loans out of collections and avoid wage and tax garnishments imposed by the Department of Education.
Borrowers with Parent Plus loans can also enroll into an income based repayment program to lower monthly payments.
We will explain your student loan rehabilitation and repayment options so you submit the correct application for student loan forgiveness.
Save time and money by getting a custom debt relief strategy from ACB® & NSLA® professionals who know credit cards student loans and IRS debt.
We’re on your side, ready to help you get out of loan — and get on with your life. You don’t have to go it alone anymore.
PAY AS YOU EARN-SLR
Get the lowest student loan payment possible using the PAYE repayment plan.
INCOME BASED-SLR
The easiest repayment plan to qualify for, IBR will help you manage your student loan debt.
INCOME CONTINGENT
For borrowers using Parent Plus loans an ICR plan can dramatically improve your situation.
We will explain your student loan rehabilitation and repayment options so you submit the correct application for student loan forgiveness.
Save time and money by getting a custom debt relief strategy from ACB® & NSLA® professionals who know credit cards student loans and IRS debt.
We’re on your side, ready to help you get out of loan — and get on with your life. You don’t have to go it alone anymore.
PAY AS YOU EARN-SLR
Get the lowest student loan payment possible using the PAYE repayment plan.
INCOME BASED-SLR
The easiest repayment plan to qualify for, IBR will help you manage your student loan debt.
INCOME CONTINGENT
For borrowers using Parent Plus loans an ICR plan can dramatically improve your situation.
$0 Repayment and Forgiveness
President Obama recently introduced a new student loan forgiveness program, which offers significant advantages to those who have utilized federal student loans. These include:
President Obama recently introduced a new student loan forgiveness program, which offers significant advantages to those who have utilized federal student loans. These include:
First, you must have had no outstanding balance on a Direct Loan or Federal Family Education Loan (FFEL) Program loan when you received a Direct Loan or FFEL Program loan on or after Oct. 1, 2007.
Second, you must have received (a) a disbursement of a Direct Subsidized Loan, a Direct Unsubsidized Loan, or a Direct PLUS Loan for students on or after Oct. 1, 2011; or (b) a Direct Consolidation Loan based on an application that was received on or after Oct. 1, 2011.
No. According to the Internal Revenue Service (IRS), student loan amounts forgiven under PAYE aren’t considered income for tax purposes. For more information, check with the IRS or a tax advisor.
There is no income requirement to qualify for the PAYE or other income driven programs. However, since your required monthly payment amount under most of the qualifying repayment plans is based on your income, your income level might be a factor in determining whether you have a remaining loan balance to be forgiven after making 240 qualifying payments.
We can’t make any guarantees about the future availability of PAYE. The PAYE/IDR Programs were created by Congress, and Congress could change or end the PAYE Program.
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