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Over 44 Million Americans

are drowning in Student Loan Debt

Don’t be another statistic.

Get Enrolled Into The Forgiveness Program NOW!

Over 44 Million Americans

are drowning in Student Loan Dept

Don’t be another statistic.
Get your student loan forgiven now!

Our Services

We have helped thousands of Americans with guidance on how to get into the student loan forgiveness programs offered by the Department of Education.

PSLF

Public service loan forgiveness for teachers, law enforcement, nurses and other government and non-profit professions.

Income Driven Payments

Most qualify for a lower monthly payment based on income, not loan amount. Some even qualify for $0 payments.

Defense to Repayment

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.

Campus Closings

Full loan forgiveness for students that were in attendance during a campus closing without teach out programs implemented.

Loans in Default

Get your loans out of collections and avoid wage and tax garnishments imposed by the Department of Education.

Parent Plus

Borrowers with Parent Plus loans can also enroll into an income based repayment program to lower monthly payments.

Accredited By

What we Do

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.

What we Do

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.

What we can do for you

$0 Repayment and Forgiveness

Stop Wage Garnishment

Default Resolution

Stop Tax Refund Withholding

Improve Your Credit

What we can do for you

  • $0 Repayment and Forgiveness
  • Stop Wage Garnishment
  • Default Resolution
  • Stop Tax Refund Withholding
  • Improve Your Credit

What is Student Loan 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:

  • Complete forgiveness of federal student loan debt after borrowers have made a total of 240 monthly payments​
  • Introduction of the Pay As You Earn Student Loan Repayment Plan​
  • Updates to the Public Service Loan Forgiveness Program (complete forgiveness after a total of 120 monthly payments)​
  • Starting in 2014, borrowers would qualify for payments based on 10% of their discretionary income​
  • Money would be used primarily to increase college funding, as well as, to fund minority and poor students​
  • Subsidies will no longer be given to private lenders by the federal government for federally backed loans​
  • New borrowers will qualify for student loan forgiveness after 20 years of qualifying payments

What is Student Loan 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:

  • Complete forgiveness of federal student loan debt after borrowers have made a total of 240 monthly payments​
  • Introduction of the Pay As You Earn Student Loan Repayment Plan​
  • Updates to the Public Service Loan Forgiveness Program (complete forgiveness after a total of 120 monthly payments)​
  • Starting in 2014, borrowers would qualify for payments based on 10% of their discretionary income​
  • Money would be used primarily to increase college funding, as well as, to fund minority and poor students​
  • Subsidies will no longer be given to private lenders by the federal government for federally backed loans​
  • New borrowers will qualify for student loan forgiveness after 20 years of qualifying payments

Frequently Asked Questions

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.

Currently 44.2 million Americans have Student loan debt.

Get a Free Consultation

Currently 44.2 million Americans have Student loan debt.

Get a Free Consultation

People love SLFC

I was having a hard time finding a good-paying job and my loans were placed in collections. i joined the rehabilitation program and got out of default without spending the $5000 necessary to catch up on my late payments. 
 
  
Veronica Castillo
Callifornia USA
Since the pandemic started it has been so stressful with my private student loans, my medical bills, and my credit cards getting maxed out. Thank god, the guys over at Debt Giant showed me that there was light at the end of the tunnel to help me from having to pay the entire debt amount. They are my saviors!
Emma Williams
Abington USA
Veronica Castillo
Veronica Castillo
Memphis, TN
Read More
Since the pandemic started it has been so stressful for my federal student loans with all the different calls I have received about my student loan debt and the forbearance and forgiveness program. I couldn't tell who is legit or not. Then I got a call from an agent at Student Loan Forgiveness Centers who completely explained the entire history of the program to me and showed me all their certifications. Thank god for me that I was able to find one of the good guys.
Jake Michaels
Jake Michaels
Los Angeles, CA
Read More
I was having a real hard time finding a good-paying job and my loans went into default collections and the collection agency was threatening to start garnishing my wages and take my tax refund. Thank god I was able to get the help from Student Loan Forgiveness Centers who prepared my documents to get my loans consolidated and pulled out of default and put into the forgiveness program all in one swoop. They are my saviors!!
Michael Saunders
Michael Saunders
Biloxi, MS
Read More
I was so upset about having to pay back loans for a fraudulent college that made my degree worth nothing. ITT Tech really screwed me over big time and I still owed like $38,000. Well the guys over at Student Loan Forgiveness Centers got my loan balance completely discharged through the ITT School Closure Discharge program. I finally got the last laugh from those crooks at ITT Tech. Thank you Student Loan Forgiveness Centers for your help!
Ruth Carradine
Ruth Carradine
Rochester, MN
Read More
I am 57 and on a fixed income with me being fully disabled. I still had the loan servicer people breathing down my neck for payments on my loans from 20 years ago. I got a call from Student Loan Forgiveness Centers and they told me how since I was permanently disabled that I could get the entire loan balance discharged. Within a years time they helped me erase all my loan debt through the Total & Permanent Disability Discharge program. Bless their hearts!
Previous
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People love SLFC

Veronica Castillo
Veronica Castillo
Veronica Castillo Memphis, TN
Read More
Since the pandemic started it has been so stressful for my federal student loans with all the different calls I have received about my student loan debt and the forbearance and forgiveness program. I couldn't tell who is legit or not. Then I got a call from an agent at Student Loan Forgiveness Centers who completely explained the entire history of the program to me and showed me all their certifications. Thank god for me that I was able to find one of the good guys.
Jake Michaels
Jake Michaels
Los Angeles, CA
Read More
I was having a real hard time finding a good-paying job and my loans went into default collections and the collection agency was threatening to start garnishing my wages and take my tax refund. Thank god I was able to get the help from Student Loan Forgiveness Centers who prepared my documents to get my loans consolidated and pulled out of default and put into the forgiveness program all in one swoop. They are my saviors!!
Michael Saunders
Michael Saunders
Biloxi, MS
Read More
I was so upset about having to pay back loans for a fraudulent college that made my degree worth nothing. ITT Tech really screwed me over big time and I still owed like $38,000. Well the guys over at Student Loan Forgiveness Centers got my loan balance completely discharged through the ITT School Closure Discharge program. I finally got the last laugh from those crooks at ITT Tech. Thank you Student Loan Forgiveness Centers for your help!
Ruth Carradine
Ruth Carradine
Rochester, MN
Read More
I am 57 and on a fixed income with me being fully disabled. I still had the loan servicer people breathing down my neck for payments on my loans from 20 years ago. I got a call from Student Loan Forgiveness Centers and they told me how since I was permanently disabled that I could get the entire loan balance discharged. Within a years time they helped me erase all my loan debt through the Total & Permanent Disability Discharge program. Bless their hearts!
Previous
Next
I was having a hard time finding a good-paying job and my loans were placed in collections. i joined the rehabilitation program and got out of default without spending the $5000 necessary to catch up on my late payments.
Veronica Castillo
Veronica Castillo
Since the pandemic started it has been so stressful with my private student loans, my medical bills, and my credit cards getting maxed out. Thank god, the guys over at Debt Giant showed me that there was light at the end of the tunnel to help me from having to pay the entire debt amount. They are my saviors!
Mary Jane
Abington USA
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