Federal forgiveness programs exist for people exactly like you. Most people who qualify have no idea. A free 45-minute review could permanently change the next 20 years of your financial life.
Federal student loan forgiveness and relief programs have been evolving for years. There are income-driven repayment options, Public Service Loan Forgiveness, IDR account adjustments, and other federal programs designed to reduce or restructure what qualified borrowers owe.
But here's the problem: the programs are complex. The eligibility rules change. The application processes are confusing. And most borrowers have never had anyone sit down with them and look at their specific loans to see what programs might apply.
This isn't about promises or politics. It's about making sure that if a federal program exists that could reduce what you're paying — you actually know about it.
That's what the Student Loan Review is for.
Not every borrower qualifies for every program. This review is designed specifically for people who match the following:
If you're not sure whether your loans are federal or private, that's something we can help you identify at the start of the review.
Depending on your loan type, employment history, income, and repayment timeline, you may be eligible to explore:
Federal programs that cap your monthly payment based on your income and family size — and forgive remaining balances after 20–25 years of qualifying payments.
Available to borrowers who work full-time for qualifying government or nonprofit employers. After 120 qualifying monthly payments under an income-driven plan, the remaining balance may be forgiven.
The Department of Education has made adjustments to payment counts for some borrowers who were previously on non-qualifying plans or in forbearance — which may accelerate the forgiveness timeline for some borrowers.
Borrowers with a total and permanent disability may qualify to have their federal loans discharged entirely.
Program availability, eligibility requirements, and forgiveness terms change frequently. A review will help determine which programs, if any, may currently apply to your situation. Nothing on this page is legal advice or a guarantee of forgiveness.
We confirm whether your loans are federal (eligible for federal programs) or private (not eligible for federal forgiveness programs). Many borrowers don't know which they have.
We look at your current repayment plan, monthly payment, outstanding balance, and how long you've been repaying.
Based on your profile — loan type, employer, income, repayment history — we review which federal programs may apply to your situation.
We walk you through what each option could mean for your monthly payment, your total repayment, and your timeline to forgiveness (if applicable).
There's no pressure to do anything. The goal is to make sure you understand your options so you can make an informed decision.
If you graduated from college or a graduate program more than two years ago, you're working full-time, you have federal student loans, and the balance feels like it's barely moving — this review is for you. Specifically:
We know the space is full of people making promises they can't keep. "Get your loans forgiven in 30 days!" "We guarantee $50,000 in forgiveness!"
That's not what this is.
This is a no-cost review to help you understand your actual situation — your specific loans, your current repayment status, and the federal programs that may realistically apply to you. If we can help, we'll show you how. If you're already in the best situation, we'll tell you that too.
Log in to studentaid.gov using your FSA ID. All of your federal loans will appear there. If your loans don't appear, they may be private. We can also help you identify this during the review.
Yes. The review is at no cost to you and comes with no obligation.
Even if you're already enrolled in a program, it's worth reviewing whether you're on the optimal plan, whether your payment count is accurate, and whether any recent federal adjustments affect your timeline.
A review of your federal loan situation does not require a credit check and will not affect your credit.
It helps to have your FSA ID login and a general idea of your outstanding balance, but it's not required. We'll help you find what we need.
If your federal loans are in default, there may be rehabilitation or consolidation options available. We can discuss those as well.
No. Federal forgiveness programs apply only to federal student loans. Private loans are not eligible for any federal forgiveness program. If you have a mix of federal and private loans, only the federal portion would be reviewed for forgiveness eligibility.
If you have $35,000 or more in federal student loans and you're no longer in school — you owe it to yourself to find out if there are options you haven't explored. This isn't a commitment. It's information.
Federal loans only. $35,000+ balance. No longer enrolled in school. If that's you — let's talk.
We'll reach out within one business day to schedule your free federal student loan review. Check your email and phone for our message.
To prepare for the review, it helps to have your FSA ID and a general idea of your outstanding balance. You can log in at studentaid.gov to see a summary of your federal loans.