Student Loan Relief

Forgiveness Programs are Real – Find out the details. (888) 856-2668

Whether you call it student loan forgiveness, student loan cancellation, student loan eradication, or student loan obliteration, in the end it means the same thing: The elimination of your obligation to make any payments toward money you borrowed for your education.

Who Qualifies?

Call and ask about current programs, since programs come out from year to year, and they may have specific requirements.

Starter list of Forgiveness Programs

    • Nurses and Physician Assistants
    • Teachers
    • Social Workers
    • Employees in public service (police, public defender, etc.)
    • Employees in state or federal government
    • Employees in non-profit organizations
    • Military Personnel
    • Peace Corp Volunteers
    • Other programs available by specific states
If you fall into any of these categories and qualify for benefits, the government will eliminate your remaining debt after you make timely payments for an allotted period. But you must sign up.

What’s the Catch?

We wondered that too, since we’ve all been told that if something sounds too good to be true, it probably is. But there is a real reason why the government wants to help you pay your loans. It turns out to be smart policy to encourage citizens to enter professions where critical services are needed for the public well-being.

Some student loan forgiveness programs require that you work in a specific type of job and make a certain number of payments on your loans without being late. After that point the Department of Education will wipe out (forgive) any remaining balance. To benefit from these programs, you must sign up. Call to learn all your options.

Lower Your Payments (888) 856-2668


Wonder What Could Happen if you Default on Your Student Loan?

Umm. You might want to sit down for this…If you fall 9 months back on your federal student loan without making any payment arrangements, your lender will put your loan in default status. If you have a private student loan, you are considered in default with your first missed payment.

Don’t let this happen if you can help it. Although it may seem a lower priority payment than the roof over your head, the transport you have to work, or food for you and your family, don’t treat it like credit card debt. When you default on a student loan, some troubling things are set into motion which can make your life very uncomfortable. If you are headed in this direction, speak with an expert and learn your options.

Default Recovery Help (888) 856-2668


If You Default on Your Student Loan…..

1) The Loan Accelerates.

This means that the entire balance of the loan becomes due. You cannot just add up the amount you fell behind and ask that wealthy relative to send a check to your lender. They’ll send it back and saying “thanks, but No thanks”. They can only accept the arrears if they are attached to a pay plan which is agreed to by the lender.

2) Lasting Credit Damage.

Defaulting on a student loan will show up as a negative entry on your credit report and reduce your score. The effect will sting for many years as the default remains on the report even if you emerge from default later. In today’s economy lender’s are requiring higher scores to approve loans for mortgages. Don’t be denied your dream home years from now because you let your student loan default.

3) Walloping fees and costs.

Ugh. The fine print of student loans can contain some harsh penalties for default. Your total balance could soar overnight to 20% over the original amount! One day you could owe the original $50,000, and the next day you owe $62,500! When they send your loan file to a collection agency, the cost to collect the debt is passed onto your balance. Sounds pretty scary. We agree.

4) Aggressive Collection Action.

The collection industry bids each year for contracts with the Department of Education and other lenders of student loans. They’ll aggressively pursue you by phone and mail. They might start calling you at work, since they can do that until you ask them not to.

5) Lose Your Professional License or Credential.

Many professions require a license to practice. Found in medical, legal, therapists or other credentials where the public places trust in an individual. Depending on your occupation and area of expertise, if you default on a student loan you could be stripped of that license to perform your work.

6) A Shocking Trim Of Your Take Home Pay.

Imagine looking at your paycheck, and finding that your net pay was only 75% of what you normally see on the net pay line. A defaulted student loan can result in a garnishment of your wages of up to 15% of your disposable income. But if you have more than one loan guaranteed by the federal government, it could go up to 25%. Although you would be notified 30 days before garnishment, you would not know if you shoved those mailed notices in a drawer.

Student Loan Relief (888) 856-2668


Is Bankruptcy a way out?

Probably not. It is rare that student loans can be discharged in a bankruptcy. Although it is not considered a secured debt since there is no collateral, it remains “not dischargeable” much like child support obligations and income taxes. In the rare cases where it can be argued for discharge, the judge must be convinced that the debt places an undue hardship on your ability to lead an otherwise normal life. These rare cases can include a permanent disability preventing you from entering the workforce with no foreseeable prospects for future earnings. To speak with a bankruptcy attorney about whether you might qualify for a discharge of your defaulted student loan, click here for free bankruptcy advice.

Why speak with an expert now?

If you are struggling with your payment, find out your options for Student Loan Relief. The department of education has programs which reduce your payment by adjusting it to your income. That’s why they call it the income-based repayment plan. This means if you are between jobs or not earning the amount of money to comfortably make your payment, you can drastically reduce your student loan payments. Call and learn about student loan relief or visit the free government site at

Private Student Loan Relief (888) 669-1064


Need Relief from Private Loans?

About 9% of all student loans are Private Student Loans. Since they are not part of the Federal programs with the Department of Education, there are fewer options for relief. Experts on private student loan relief are reachable through a separate number. They will assess your loans and examine them for legal weak points. If they find areas where your lender made misleading claims, or areas where they may have taken advantage of you, they will challenge the validity and legality of the loan. If you have paid on your note for years, but still see no reduction in the balance, you might want to speak with them. Government complaints against private student lenders have increased, and new cases are decided each month which may affect your loan’s true enforceability. To learn more about Student Loan Relief for Private Loans, call 888-669-1064.

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Additional phone numbers for The Student Loan Relief Helpline include: 800-379-0954, 888-563-6260, 888-694-8235, 888-699-5772, 888-201-0431, 888-756-1671, 866-836-9168, 888-475-0353, 888-661-8973, 888-850-4819, 888-812-9107, 888-668-1064, 888-732-4742, 877-827-3868, 888-906-3065.