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Welcome to Student Debt Modification



Let us handle all the complicated stuff!

How Our Service Works

Student Debt Modifications assists the increasing numbers of student loan borrowers, who are looking for reasonably priced document preparation services.
Our advantage over other student loan companies is that we don’t simply take your money and leave you to sink or swim on your own.

Evaluate Your Loans

Our Student loan debt experts are here to help you with your unique circumstances.

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Discover Your Options

After your free evaluation we’ll match you to the right program with the most benefit.

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Enjoy Lower Payments

Lowering your student loan payments can be a lifesaver .

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More About Us

Student Loan Document Preparation Services

Student Debt Modifications was founded in August of 2010. We take great pride in making the process of applying for student loan forgiveness extremely easy! By doing this, you can effectively lower your monthly payments, get partial or full loan forgiveness and more...

Public Service Loan Forgiveness
Teachers Loan Forgiveness
Student Loan Discharge
Borrower Defense to Repayment


Public Service Loan Forgiveness Doc Preparation

If you have been serving in a government or non-profit position, you may be eligible for Student Loan Forgiveness. However, there are some stipulations to this program.

Borrower Defense to Repayment Doc Preparation

In some instances, borrowers can be eligible for student loan forgiveness if the school or educational services program has failed the student regarding the funds distributed by the loan.

Notary and Loan Signing Agent Services

We travel to you Short notice, last minute and emergency notarizations welcome! No job is too big or too small! Mobile Notary Public services 24 hours a day, 7 days a week…

Teacher Loan Forgiveness Doc Preparation

Educators that have taught for five consecutive academic years in elementary, secondary, or educational service agencies in low-income neighborhood

Closed School Discharge Doc Preparation

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

Income-Driven Repayment Forgiveness Doc Preparation

An income-driven repayment plan sets your monthly student loan payment at an amount that is intended to be affordable based on your income and family size.

Student Loan Rehabilitation Doc Preparation

Student loan rehabilitation is a method to get your federal student loans out of default by making nine on-time payments in 10 months.


Frequently Asked Any Questions

No. According to the Internal Revenue Service (IRS), student loan amounts forgiven under PSLF aren’t considered income for tax purposes. For more information, check with the IRS or a tax advisor.

There is no income requirement to qualify for PSLF. However, since your required monthly payment amount under most of the qualifying PSLF repayment plans is based on your income, your income level over the course of your public service employment might be a factor in determining whether you have a remaining loan balance to be forgiven after making 120 qualifying payments.

We can’t make any guarantees about the future availability of PSLF. The PSLF Program was created by Congress, and Congress could change or end the PSLF Program.

Any U.S. federal, state, local, or tribal government agency is considered a government employer for the PSLF Program. This includes employers such as the U.S. military, public elementary and secondary schools, public colleges and universities, public child and family service agencies, and special governmental districts (including entities such as public transportation, water, bridge district, or housing authorities).

A government contractor isn’t considered a government employer.

The Borrower Defense to Repayment Rule (BD Rule) offers students relief from federal loans borrowed based on fraudulent, misleading or illegal acts by their schools. Borrower defense is an established legal right for many forms of consumer credit, and it has been a part of the Higher Education Act for many years.

The Borrower Defense to Repayment Rule (BD Rule) offers students relief from federal loans borrowed based on fraudulent, misleading or illegal acts by their schools. Borrower defense is an established legal right for many forms of consumer credit, and it has been a part of the Higher Education Act for many years.

You can have your student loans forgiven if you're totally and permanently disabled, meaning unable to earn an income because of a medical or mental impairment that has lasted for at least five years or is expected to result in death.

You can go to studentaid.gov and use your FSA login information to find out. That's where the Department of Education publicly has all of the information about your account, including how much time they have you as being in forbearances versus in repayment.

Cardona class-action lawsuit claimed that millions of students borrowed federal student loans to attend one of more than 150 majority for-profit colleges, including ITT Technical Institute, Corinthian Colleges, the Art Institutes, Salter College and Brooks Institute of Photography.

The proposed settlement sets out procedures for resolving the borrower defense applications of everyone who had an application pending as of June 22, 2022. In short, class members who took out loans for attendance at certain schools will automatically receive loan discharge, refunds, and credit report adjustments.


We pride ourselves with the top of the line customer service.


We Provide Free Student Loan Forgiveness


Call us today (424) 274-7689 or email us: processing@studentdebtmodifications.com

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