We help with Public Service Loan Forgiveness (PSLF), Income-Driven Repayment (IDR) plans, Borrower’s Defense, and loan rehabilitation programs.

If you work in public service, have been defrauded by your school, or qualify for an IDR plan, schedule an appointment with us to see if you are eligible.

Book a consultation with us, and we’ll review your loan details to determine the best strategy for you.

Loan rehabilitation is a process that allows you to remove your federal student loan from default status by making a series of agreed-upon payments, restoring your loan to good standing.

To begin, contact your loan servicer to discuss a rehabilitation agreement, which typically involves making nine consecutive, on-time monthly payments.

Successfully completing rehabilitation removes the default status from your credit report, stops wage garnishments, and restores eligibility for federal student aid.

PSLF is a federal program that forgives the remaining balance on Direct Loans after you have made 120 qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying employer.

Borrowers employed full-time by government organizations, non-profit organizations, or other qualifying public service jobs may be eligible for PSLF.

Submit the PSLF application form along with your employer's certification to the U.S. Department of Education after making the required 120 qualifying payments.

If you’re enrolled in the SAVE Plan, your loans are in general forbearance until loan servicers can accurately bill you, expected no earlier than September 2025. During this time, you don’t have to make payments, interest won’t accrue, but the time won’t count toward PSLF or IDR forgiveness.

If you’re in SAVE Plan forbearance, payments are paused, interest won’t accrue, but the time won’t count toward PSLF or IDR forgiveness. If you’re in processing forbearance (up to 60 days), interest accrues, but the time counts toward PSLF and IDR forgiveness.

Yes, you can still apply for IBR, ICR, PAYE, and SAVE, but forgiveness under SAVE, PAYE, and ICR is currently blocked due to a court ruling. Loan servicer’s are processing IDR applications for IBR, ICR, and PAYE, while SAVE applications remain on hold with possible processing delays.

TPD discharge is a program that relieves you from repaying federal student loans if you are totally and permanently disabled.

Eligibility can be demonstrated through documentation from the U.S. Department of Veterans Affairs, the Social Security Administration, or a physician's certification.

Complete and submit a TPD discharge application along with the required supporting documentation to the U.S. Department of Education.

IDR plans adjust your monthly federal student loan payments based on your income and family size, potentially lowering your payments and extending your repayment term.

The best plan depends on your individual financial situation. Consulting with a student loan advisor can help determine the most suitable option.

.Yes, after making qualifying payments for 20 or 25 years under an IDR plan, any remaining loan balance may be forgiven.

Parent PLUS Loans are federal loans that parents of dependent undergraduate students can use to help pay for college expenses not covered by other financial aid.

While Parent PLUS Loans are not directly eligible for IDR plans, consolidating them into a Direct Consolidation Loan may make them eligible for the Income-Contingent Repayment (ICR) plan.

Yes, if the consolidated loan is repaid under the ICR plan, it may qualify for forgiveness under the Public Service Loan Forgiveness (PSLF) program after meeting the necessary requirements.