LOAN FORGIVENESS PROGRAMS

Our Services

Public Service Loan Forgiveness
The Public Service Loan Forgiveness (PSLF) Program forgives the remaining balance on your Direct Loans after you have made 120 qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying employer.
Closed School Discharge
The closed school discharge is available if you attended a school that closed while you were enrolled or if you withdrew 120 days before the school's closure. (Note that the period changed from 90 days to 120 days as of July 1, 2014).  
Total and Permanent Disability Discharge
Total and Permanent Disability Discharge is available to federal student loan borrowers who are disabled an unable to engage in any substantial gainful activity (employment) because of a physical or mental impairment. The discharge would provide you with relief on your student loans by removing the debt completely that is under your name. You must be able to prove to the Department of Education (DoE) that you are in fact permanently disabled.
Forgiveness from an income-driven plan
Income Based Repayment (IBR)
Pay As You Earn (PAYE)
Revised Pay As You Earn (REPAYE)
Income Contingent Repayment (ICR)
  • Income Based Repayment (IBR)
  • Pay As You Earn (PAYE)
  • Revised Pay As You Earn (REPAYE)
  • Income Contingent Repayment (ICR)