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Loan Programs

Public Student Loan Forgiveness

We provide professional Student loan management.

The PSLF Program is intended to encourage individuals to enter and continue to work full-time in public service jobs. Under this program, borrowers may qualify for forgiveness of the remaining balance of their Direct Loans after they have made 120 qualifying payments on those loans while employed full time by certain public service employers.

You must make 120 on-time, full, scheduled, monthly payments on your Direct Loans. Only payments made after October 1, 2007 qualify. You must make those payments under a qualifying repayment plan. If you are not currently in a qualifying program we can assist you in getting enrolled. When you make each of those payments, you must be working full-time at a qualifying public service organization.

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Teacher Loan Forgiveness

If you are a teacher and have been teaching full-time in a low-income elementary or secondary school or educational service agency for five consecutive years, you may be able to have as much as $17,500 of your subsidized or unsubsidized loans forgiven.

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Loan Consolidation

A consolidation loan allows you to consolidate (combine) multiple federal student loans into one loan. The result is a single monthly payment instead of multiple payments.

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Total & Permanent Disability

Can you no longer work due to a mental or physical disability? If you are disabled and meet specific qualifications, you may be eligible to have all of your Federal Student Loans discharged under the Total and Permanent Disability discharge program.

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Income-Based Repayment Plan

Income-Based Repayment (IBR) is designed to reduce monthly payments to assist with making your student loan debt manageable. If you need to make lower monthly payments, this plan may be for you. In some cases we are able to get your payment to as low as $0 monthly.

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Pay As You Earn Plan

The Pay As You Earn Repayment Plan helps keep your monthly student loan payments affordable, and usually has the lowest monthly payment amount of the repayment plans that are based on your income. If you need to make lower monthly payments, this plan may be for you.

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Income-Contingent Plan

If you need to make lower Direct Loan payments, but you do not qualify for the IBR or Pay as you earn plans, the ICR Plan may be for you.

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Traditional Payment Plans

STANDARD REPAYMENT PLAN

If you don't choose a different repayment plan, all of your Federal Loans will be set under a Standard Repayment Plan. Monthly payments are calculated based on the size and term of the loan. The length of the term is always based on the size of the loan.

A Standard Repayment Plan may be in your best interest if you want to pay off your loans as soon as possible, you have less than 30 years on your term, you have a higher income (i.e., you don't qualify for income-based repayment), or if you have little student loan debt. Eligible Loans Include: Direct Subsidized & Unsubsidized Loans, Subsidized & Unsubsidized Federal Stafford Loans, and all PLUS Loans.

GRADUATED REPAYMENT PLAN

If you currently receive a low income, but expect it to regularly increase with time, enrolling in a Graduated Repayment Plan may be in your best interest. You will be given a lower monthly payment to start, and then this payment will increase incrementally every two years. If you work with Student Debt USA and you happen to lose your job or a substantial amount of income, we'll get you into a new repayment plan with the same term and a drastically lower monthly payment. At the end of this term, your remaining balance would be forgiven.

Eligible Loans Include: Direct Subsidized & Unsubsidized Loans, Subsidized & Unsubsidized Federal Stafford Loans, and all PLUS Loans.

EXTENDED REPAYMENT PLAN

This program offers you the option to extend your repayment plan. You may qualify if you owe more than $30,000 in outstanding Direct Loans or FFEL Loans. In addition, you must have had no outstanding balance on a Direct Loan as of Oct. 7, 1998 or on the date you obtained a Direct Loan after Oct. 7, 1998

Eligible Loans Include: Direct Subsidized Loans, Direct Unsubsidized Loans, Direct PLUS Loans, Direct Consolidation Loans, Subsidized Federal Stafford Loans, Unsubsidized Federal Stafford Loans, FFEL PLUS Loans, FFEL Consolidation Loans.