Find the right program, that offers the best terms for your specific situation.

Options now available to get you back on track, and possibly into a loan forgiveness program.

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Eligibility for federal loan forgiveness depends on a number of factors, including the type of student loans you hold, your income, and your family size.

You may benefit from applying for student loan forgiveness if you're experiencing any of the following: 
  

• Financial difficulties
• Low income
• Large family size
• Your payments are too high
• You've been late on payments
• In some situations even if your loans are in default

In 2007 Congress passed the William D. Ford act, allowing borrowers to

consolidate federal student loans through the Department of Education. 

The program was expanded in 2010 under the Obama administration

and now includes loan forgiveness to those who qualify.

This program became known as the 'President Obama Student Loan Forgiveness Act'.

• Public Service Loan Forgiveness (PSLF)
• Teacher Loan Forgiveness
• Student Loan Forgiveness for Nurses
• Income-Driven Repayment Plan Forgiveness

A big challenge to enrollment in Public Service Loan Forgiveness is not having the correct loan types.
Keep in mind, in some cases a loan that is not eligible for PSLF may become eligible through a direct loan consolidation.

Loans eligible for Public Service Loan Forgiveness:

• Direct Subsidized Loans
• Direct Unsubsidized Loans
• Direct Consolidation Loans
• Direct PLUS Loans

Loans not eligible for Public Service Loan Forgiveness:

• Private Student Loans
• Federal Family Education Loans (FFEL)
• Federal Perkins Loans