Student Loan Default

Student Loan Forgiveness & Discharge

Student loan forgiveness may be an option for you based upon the types of loans that you have and the amount owed. You may also qualify for student loan discharge which is based upon several different factors that we will discuss below in further detail.

Student Loan Default

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Student Loan Forgiveness & Discharge – The Good, Bad & Ugly

Student Loan Discharge – The Good

You may actually qualify to have your loans discharged. This means that your loans will be canceled and you will not owe anything. This can be accomplished a few different ways.

  • Permanent Disability Discharge
  • Attending a School That Closed

Student Loan Forgiveness – The Good

You may qualify for student loan forgiveness if you have a certain type of loan or loans that are part of a new consolidation program that allows forgiveness. It also depends on the total amount of money that you owe. We can evaluate your situation and determine what options you may qualify for. You may also qualify for student loan forgiveness if you are a police officer, fire fighter and a few other public servants depending on the type of work you are in and the employer.

Student Loan Forgiveness – The Bad & Ugly

At some point in time you may have heard, read or watched an advertisement that has talked about full student loan forgiveness that suddenly makes your student loans disappear. This is not real and most likely a scam. There is no such thing as having your student loans completely forgiven by paying any kind of fee, unless you are doing a settlement payoff with the DOE at a lower amount. The only way to qualify to have a portion or all of your loans forgiven is by one the methods described above. There are many scams out there that claim you can have them forgiven right away and this is just not true. If you are permanently disabled you can apply for student loan disability discharge to have your loans forgiven completely. However, this is a long process and should be handled by professionals like ourselves to make sure that the process goes smoothly. However, you can not simply pay a company a fee and expect your loans to disappear. It won’t happen and you will just lose more money. We would need to evaluate whether or not you actually qualify for a student loan forgiveness program or student loan permanent disability discharge.