Student Loan Forgiveness & Protection
If you have federal student loans, there's a real chance your balance could be dramatically reduced — or completely eliminated. Larry will review your situation and find every option available to you.
Your Options
The federal government has created multiple forgiveness and repayment programs — but most borrowers never know they qualify. Larry reviews every one of them for your situation.
If you work for a government agency or qualifying non-profit, you may qualify for complete loan forgiveness after just 10 years of qualifying payments. Many borrowers are already years in and don't know it.
IDR plans cap your monthly payments based on your income and family size — often dramatically lower than your current bill. After 20–25 years, any remaining balance is forgiven entirely.
If you have a disability that prevents you from maintaining substantial gainful employment, your federal student loans may be completely discharged — zeroing out your remaining balance.
Teachers, nurses, and other public service professionals may qualify for additional forgiveness programs beyond standard PSLF — sometimes up to $17,500 in additional loan forgiveness.
Who Qualifies?
Most forgiveness programs apply to Direct Loans from the federal government. Private loans are handled differently, but options may still exist.
Government employees and qualifying non-profit workers may qualify for PSLF — and many don't know they've already been building credit toward forgiveness for years.
IDR plans are designed for borrowers whose standard payments are disproportionately high relative to their income. Lower payments, same path to forgiveness.
Borrowers enrolled in IDR plans for 20–25 years may qualify for automatic forgiveness of their remaining balance — even if that balance is substantial.
Total and Permanent Disability discharge is available for borrowers who cannot maintain substantial gainful employment due to a physical or mental disability.
Americans carry federal student loan debt. Millions qualify for forgiveness or reduced payments — and most haven't taken a single step to claim what they're owed.
Get Your Free Loan Review
Fill out the form and Larry will personally review your loan situation and walk you through every program you may be eligible for.
Larry will reach out within 24 hours with your options.