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What You Should Know About Student Loan Forgiveness?

Important things to know about student loan forgiveness

Student loan forgiveness programs have specific eligibility requirements that vary based on the program. Some programs require borrowers to have specific types of loans, and work in certain professions .

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Types of student loan forgiveness programs:

There are several types of student loan forgiveness programs, including Public Service Loan Forgiveness (PSLF), Teacher Loan Forgiveness, Perkins Loan Cancellation, Income-Driven Repayment Plans Forgiveness, and Closed School Discharge.

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The student loan forgiveness application process:

The application process for student loan forgiveness varies based on the program, and they can change over time, and eligibility requirements may be subject to change.

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Public Service Loan Forgiveness
Teachers Loan Forgiveness
Student Loan Discharge

About Us

Student Loan Document Preparation Services

Student Debt Modifications was founded in August of 2010. Our primary goal is to assist student loan borrowers by providing information, solving problems and document preparation. We strive to be helpful, informative, and polite. We are constantly learning and improving based on user interactions and feedback.

Borrower Defense to Repayment


Public Service Loan Forgiveness Document Preparation

PSLF is designed for borrowers who work for the government or a non-profit organization. To be eligible for PSLF, borrowers must make 120 qualifying payments while working for an eligible employer.

Borrower Defense to Repayment Document Preparation

If you believe that you have been defrauded by your school or if your school violated certain state laws, you may be eligible for student loan borrowers defense. Here are the general steps to apply for student loan borrowers defense:

Teacher Loan Forgiveness Document Preparation

Teacher Loan Forgiveness is designed for teachers who work in low-income schools or educational service agencies. Borrowers may be eligible for up to $17,500 in loan forgiveness for teachers who work full-time for five consecutive years in low-income school.

Closed School Discharge Document Preparation

A Closed School Discharge is a type of discharge that cancels a borrower's obligation to repay their federal student loans if they were unable to complete their program of study due to the closure of the school. To apply for a Closed School Discharge, the borrower must complete and submit a discharge application

Income-Driven Repayment Forgiveness Doc Preparation

This program is available to borrowers who have made payments on their loans for a certain period of time while enrolled in an income-driven repayment plan. After making payments for 20-25 years (depending on the plan), the remaining balance may be forgiven.

Student Loan Rehabilitation Document Preparation

Federal student loan rehabilitation is a process that allows borrowers with defaulted federal student loans to bring their loans back into good standing by making a series of on-time, qualifying payments. The rehabilitation process involves making nine monthly payments within a 10-month period, and the payment amount is based on income.


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.

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