FAQ

Student Loan Relief FAQs

Student Loan Relief FAQs

Got Questions? We've Got Answers!

Got Questions? We've Got Answers!

What are my options for reducing student loan debt?

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Can I qualify for student loan forgiveness?

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How do I get started with student loan relief?

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What is loan rehabilitation for defaulted student loans?

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How can I start the loan rehabilitation process?

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What are the benefits of rehabilitating a defaulted loan?

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What is the Public Service Loan Forgiveness (PSLF) program?

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Who qualifies for PSLF?

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How do I apply 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.

What does the court’s injunction mean if I’m enrolled in the SAVE Plan?

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.

How does forbearance affect my loans?

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.

Can I enroll in the SAVE Plan, another IDR plan, or consolidate my loans?

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.

What is Total and Permanent Disability (TPD) discharge?

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

How can I prove eligibility for TPD discharge?

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

What are Income-Driven Repayment (IDR) plans?

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

How do I know which IDR plan is right for me?

The best plan depends on your individual financial situation. Book a call with our team to help determine the most suitable option.

Can IDR plans lead to loan forgiveness?

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

What are my options for reducing student loan debt?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

Can I qualify for student loan forgiveness?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

How do I get started with student loan relief?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

What is loan rehabilitation for defaulted student loans?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

How can I start the loan rehabilitation process?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

What are the benefits of rehabilitating a defaulted loan?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

What is the Public Service Loan Forgiveness (PSLF) program?

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Who qualifies for PSLF?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

How do I apply 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.

What does the court’s injunction mean if I’m enrolled in the SAVE Plan?

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.

How does forbearance affect my loans?

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.

Can I enroll in the SAVE Plan, another IDR plan, or consolidate my loans?

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.

What is Total and Permanent Disability (TPD) discharge?

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

How can I prove eligibility for TPD discharge?

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

What are Income-Driven Repayment (IDR) plans?

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

How do I know which IDR plan is right for me?

The best plan depends on your individual financial situation. Book a call with our team to help determine the most suitable option.

Can IDR plans lead to loan forgiveness?

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

What are my options for reducing student loan debt?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

Can I qualify for student loan forgiveness?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

How do I get started with student loan relief?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

What is loan rehabilitation for defaulted student loans?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

How can I start the loan rehabilitation process?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

What are the benefits of rehabilitating a defaulted loan?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

What is the Public Service Loan Forgiveness (PSLF) program?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

Who qualifies for PSLF?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

How do I apply 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.

What does the court’s injunction mean if I’m enrolled in the SAVE Plan?

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.

How does forbearance affect my loans?

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.

Can I enroll in the SAVE Plan, another IDR plan, or consolidate my loans?

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.

What is Total and Permanent Disability (TPD) discharge?

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

How can I prove eligibility for TPD discharge?

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

What are Income-Driven Repayment (IDR) plans?

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

How do I know which IDR plan is right for me?

The best plan depends on your individual financial situation. Book a call with our team to help determine the most suitable option.

Can IDR plans lead to loan forgiveness?

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

What are my options for reducing student loan debt?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

Can I qualify for student loan forgiveness?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

How do I get started with student loan relief?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

What is loan rehabilitation for defaulted student loans?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

How can I start the loan rehabilitation process?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

What are the benefits of rehabilitating a defaulted loan?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

What is the Public Service Loan Forgiveness (PSLF) program?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

Who qualifies for PSLF?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

How do I apply 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.

What does the court’s injunction mean if I’m enrolled in the SAVE Plan?

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.

How does forbearance affect my loans?

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.

Can I enroll in the SAVE Plan, another IDR plan, or consolidate my loans?

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.

What is Total and Permanent Disability (TPD) discharge?

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

How can I prove eligibility for TPD discharge?

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

What are Income-Driven Repayment (IDR) plans?

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

How do I know which IDR plan is right for me?

The best plan depends on your individual financial situation. Book a call with our team to help determine the most suitable option.

Can IDR plans lead to loan forgiveness?

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

Credit Wellness FAQs

Credit Wellness FAQs

Got Questions? We've Got Answers!

Got Questions? We've Got Answers!

What is credit wellness, and why is it important?

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How can I improve my credit score?

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Can negative items be removed from my credit report?

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How long does it take to see improvements in my credit score?

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What are some habits to maintain good credit?

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What is credit wellness, and why is it important?

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How can I improve my credit score?

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Can negative items be removed from my credit report?

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How long does it take to see improvements in my credit score?

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What are some habits to maintain good credit?

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What is credit wellness, and why is it important?

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How can I improve my credit score?

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Can negative items be removed from my credit report?

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How long does it take to see improvements in my credit score?

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What are some habits to maintain good credit?

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What is credit wellness, and why is it important?

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How can I improve my credit score?

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Can negative items be removed from my credit report?

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How long does it take to see improvements in my credit score?

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What are some habits to maintain good credit?

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Be Your Own Bank FAQs

Be Your Own Bank FAQs

Got Questions? We've Got Answers!

Got Questions? We've Got Answers!

What does it mean to ‘Be Your Own Bank’?

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How can I start implementing this strategy?

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Is this strategy only for the wealthy?

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What type of financial vehicles are used in the "Be Your Own Bank" strategy?

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Can I still access my money if I use this strategy?

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What does it mean to ‘Be Your Own Bank’?

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How can I start implementing this strategy?

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Is this strategy only for the wealthy?

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What type of financial vehicles are used in the "Be Your Own Bank" strategy?

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Can I still access my money if I use this strategy?

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What does it mean to ‘Be Your Own Bank’?

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How can I start implementing this strategy?

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Is this strategy only for the wealthy?

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What type of financial vehicles are used in the "Be Your Own Bank" strategy?

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Can I still access my money if I use this strategy?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

What does it mean to ‘Be Your Own Bank’?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

How can I start implementing this strategy?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

Is this strategy only for the wealthy?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

What type of financial vehicles are used in the "Be Your Own Bank" strategy?

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Can I still access my money if I use this strategy?

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Tax, Trusts & Asset Protection FAQs

Tax, Trusts & Asset Protection FAQs

Got Questions? We've Got Answers!

Got Questions? We've Got Answers!

Why is asset protection important?

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What’s the benefit of setting up a trust?

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Can tax planning help me save money?

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How can I legally reduce my tax burden?

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What types of assets can be protected with a trust?

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Why is asset protection important?

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What’s the benefit of setting up a trust?

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Can tax planning help me save money?

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How can I legally reduce my tax burden?

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What types of assets can be protected with a trust?

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Why is asset protection important?

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What’s the benefit of setting up a trust?

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Can tax planning help me save money?

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How can I legally reduce my tax burden?

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What types of assets can be protected with a trust?

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Why is asset protection important?

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What’s the benefit of setting up a trust?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

Can tax planning help me save money?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

How can I legally reduce my tax burden?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

What types of assets can be protected with a trust?

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Feeling anxious about your finances? We’ve all been there.

Let our experts help you find clarity, confidence, and a clear plan toward financial peace of mind.

IdentityIQ logo with a shield symbol
Abstract financial graphic with blue and white vertical lines and two dark gray rectangles.
Person using a calculator next to a model house and contract agreement for financial planning and homeownership.

Feeling anxious about your finances? We’ve all been there.

Let our experts help you find clarity, confidence, and a clear plan toward financial peace of mind.

IdentityIQ logo with a shield symbol
Abstract financial graphic with blue and white vertical lines and two dark gray rectangles.
Person using a calculator next to a model house and contract agreement for financial planning and homeownership.

Feeling anxious about your finances? We’ve all been there.

Let our experts help you find clarity, confidence, and a clear plan toward financial peace of mind.

IdentityIQ logo with a shield symbol
Abstract financial graphic with blue and white vertical lines and two dark gray rectangles.
Person using a calculator next to a model house and contract agreement for financial planning and homeownership.

Feeling anxious about your finances? We’ve all been there.

Let our experts help you find clarity, confidence, and a clear plan toward financial peace of mind.

IdentityIQ logo with a shield symbol
Abstract financial graphic with blue and white vertical lines and two dark gray rectangles.
Person using a calculator next to a model house and contract agreement for financial planning and homeownership.
Key 2 Debt Free logo with stylized K in blue and purple

Key 2 Debt Free, LLC is a private consulting company and does not claim to be affiliated with any Federal, State, or Local Government agencies. Key 2 Debt Free, LLC is not a loan servicer or originator. Key 2 Debt Free, LLC is in no way affiliated with the Department of Education. Key 2 Debt Free, LLC consults with individuals on how to obtain federal government student loan forgiveness and/or consolidation programs by pre-qualifying, preparing, and submitting required documentation on their behalf. Individuals with student loan debt have the legal right to use an attorney or process federal student loan documentation on their own behalf without paid assistance. When you work with Key 2 Debt Free, you gain access to a nationwide network of financial professionals and specialists working to find you new products, services, and strategies for making the most of your money.


Our experienced representatives help put your financial situation in perspective, so you can prioritize your monetary goals and create a more secure financial future for yourself and your loved ones.

Subscribe to get newsletter!

Key 2 Debt Free logo with stylized K in blue and purple

Key 2 Debt Free, LLC is a private consulting company and does not claim to be affiliated with any Federal, State, or Local Government agencies. Key 2 Debt Free, LLC is not a loan servicer or originator. Key 2 Debt Free, LLC is in no way affiliated with the Department of Education. Key 2 Debt Free, LLC consults with individuals on how to obtain federal government student loan forgiveness and/or consolidation programs by pre-qualifying, preparing, and submitting required documentation on their behalf. Individuals with student loan debt have the legal right to use an attorney or process federal student loan documentation on their own behalf without paid assistance. When you work with Key 2 Debt Free, you gain access to a nationwide network of financial professionals and specialists working to find you new products, services, and strategies for making the most of your money.


Our experienced representatives help put your financial situation in perspective, so you can prioritize your monetary goals and create a more secure financial future for yourself and your loved ones.

Subscribe to get newsletter!

Key 2 Debt Free logo with stylized K in blue and purple

Key 2 Debt Free, LLC is a private consulting company and does not claim to be affiliated with any Federal, State, or Local Government agencies. Key 2 Debt Free, LLC is not a loan servicer or originator. Key 2 Debt Free, LLC is in no way affiliated with the Department of Education. Key 2 Debt Free, LLC consults with individuals on how to obtain federal government student loan forgiveness and/or consolidation programs by pre-qualifying, preparing, and submitting required documentation on their behalf. Individuals with student loan debt have the legal right to use an attorney or process federal student loan documentation on their own behalf without paid assistance. When you work with Key 2 Debt Free, you gain access to a nationwide network of financial professionals and specialists working to find you new products, services, and strategies for making the most of your money.


Our experienced representatives help put your financial situation in perspective, so you can prioritize your monetary goals and create a more secure financial future for yourself and your loved ones.

Subscribe to get newsletter!

Key 2 Debt Free logo with stylized K in blue and purple

Key 2 Debt Free, LLC is a private consulting company and does not claim to be affiliated with any Federal, State, or Local Government agencies. Key 2 Debt Free, LLC is not a loan servicer or originator. Key 2 Debt Free, LLC is in no way affiliated with the Department of Education. Key 2 Debt Free, LLC consults with individuals on how to obtain federal government student loan forgiveness and/or consolidation programs by pre-qualifying, preparing, and submitting required documentation on their behalf. Individuals with student loan debt have the legal right to use an attorney or process federal student loan documentation on their own behalf without paid assistance. When you work with Key 2 Debt Free, you gain access to a nationwide network of financial professionals and specialists working to find you new products, services, and strategies for making the most of your money.


Our experienced representatives help put your financial situation in perspective, so you can prioritize your monetary goals and create a more secure financial future for yourself and your loved ones.

Subscribe to get newsletter!