By using our site we will connect you with, for-profit service providers in our referral network. They will give you an overview of all the programs that may be available to you. These same services can be performed by yourself without a fee through your loan servicer or the department of education directly.

To contact the Department of Education directly, visit : www.studentaid.ed.gov/sa/repay-loans

Public Sector Loan Forgiveness
Did you know if you work in the public sector, your loans can be forgiven after 120 qualifying monthly payments?
If you work for a city, state, or federal organization you may qualify for the Public Service Loan Forgiveness program. The position at your place of employment is not considered for PSLF, but you must be consolidated and into a specific repayment plan to qualify. The balance on your federal student loans after 120 qualifying payments is forgiven.

Permanent Disability Forgiveness
Did you know if you are Permanently Disabled, you may qualify for Total & Permanent Disability Discharge on your Federal Student Loans?
If you have been permanently disabled, or your disability can be expected to last at least 60 months or in death, you may qualify for permanent disability forgiveness. Seeking Permanent Disability Discharge on your federal loans will require a visit to your doctor and make you subject to a three year post discharge monitoring.

Teacher Loan Forgiveness
Did you know if you are a teacher you may qualify for principal reduction of up to $17,500 on your loans?
Teachers may qualify for $5,000 to $17,500 in principal reduction on their federal student loans. To qualify for principal reduction you must have worked at a title 1 school for five consecutive years and in a full time position as a teacher. Teachers can also qualify for Public Service Loan Forgiveness.

History of Perkins Student Loans
The Perkins Loan Program is named after Carl D. Perkins, a former Kentucky congressman known for his diligent efforts at working on behalf of financially disadvantaged citizens. The main objective of the program from the beginning has been to make education accessible to those with lower incomes.