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Save Money Today on Your Student Loans


Dying for student loan debt relief? Sure, you can put those loans in deferment or forbearance, but both of those options have major drawbacks.

It’s way better just to get your loan forgiven or have someone else pay if off for you. And if you're interested in that (because who isn't?), you've come to the right place. Get ready—this is the largest guide to student loan debt relief we've ever assembled.

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If you work for the government or a qualifying nonprofit, you can get your student loans forgiven via the Public Service Loan Forgiveness (PSLF) program. If you do everything right, your loans are forgiven after 120 qualifying payments—about 10 years.

But the program is picky—and there are a lot of ways you can mess it up. It’s not unusual for people to believe they’ve been paying toward PSLF for years, only to have their forgiveness denied at the end over a technicality.

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If you funded your education with Perkins Loans, you may have heard about a number of forgiveness programs and have been disappointed to learn that your student loans don't qualify. While you're probably always interested in ways to lower your student loan payments, having them canceled completely would be reason for serious celebration.

While not all forgiveness programs apply to all loans, the good news is that there are loan cancellation and discharge programs specifically for Perkins loan holders. 

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If you have student loans, you've probably seen claims by companies that claim they can reduce your loan payments, pay your loans down quickly, or eliminate your loans altogether.

Unfortunately, some things are too good to be true. But considering that some legitimate companies do exist to help you pay down your debt, how can you tell the difference? 

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Did you faithfully make the 120 qualifying payments toward Public Service Loan Forgiveness—a process that takes about 10 years—only to have your claim for forgiveness denied?

It’s not just you. A lot of borrowers have had this problem. The good news is that Congress just authorized a fix for it in its March spending bill. It’s called “Temporary Expanded Public Service Loan Forgiveness” (TEPSLF), and it sets aside over $350 million in forgiveness funding for people who were initially denied.

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If you have a Parent PLUS loan you’re trying to pay off, chances are you hear the word “no” a lot.

Some of the key protections and perks available to student borrowers are off limits to parents who borrow for their children’s education. That includes student loan forgiveness and income-based repayment. At least, that’s the conventional wisdom ...

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