Student Loan Forgiveness
Explore your student loan options with an expert guide.
All it takes is a couple of minutes to understand what options are available and what your next steps should be. Don’t wait click get started to start your 100% risk-free repayment options today.
Develop the Perfect Plan for a Debt-Free Future
There are a lot of options to address student loan debt, but how do you know what’s right for you? If you don’t have all the facts, you risk making a decision that can cost you – both now and into the future.
Detailed Analysis
SDS reviews your entire debt situation, financial status and current goals to provide the best scenario for the lifetime of your loans. Don’t risk making decisions on incomplete information.
Simple Process
We ask questions, you answer! SDS evaluates 1000+ data points in a short Q&A format. As an expert in this field for 12+ years, we understand the law and the best way to navigate it.
Clear Recommendations
Move forward with the confidence you’re on the right track with a personalized, easy-to-understand action plan. A checklist provides straightforward next steps on how to begin your journey.
Free Student Debt Analysis
Peace of mind with the help of MyStudentAid
There’s more than one path to forgiveness – discover your best option for forgiveness by gaining comprehensive insights into repayment, forgiveness, and refinancing tailored to your unique circumstances. Getting started is free and simple just request an analysis, tell us how much you owe and see your options.
How MyStudentAid Can Help
Student Debt Relief Made Easy
Getting help is easy but sometimes things can be complicated. That’s where our team of Loan Pros thrive with unmatched dedication to helping you get out of debt fast.
Apply for IDR
Understand your income-driven repayment (IDR) and forgiveness options.
Navigate PSLF
See if you qualify and help you stay on track for public service loan forgiveness (PSLF).
Avoid Wage Garnishment
Compare simple refinancing options that could help you save on student loans.
Stay the Course
If you’re already in the right repayment program, My Student Aid helps you stay on track.
Income-Driven Repayment (IDR)
Forgiveness based on your payment history.
You may be eligible for student loan forgiveness through an IDR program built to help borrowers get lower monthly payments based on your income. Find out what you qualify for in less than 5 mins with our Free Debt Analysis.
Public Service Loan Forgiveness (PSLF)
Forgiveness for government or not-for-profit employees.
If you work for an eligible government or non-profit organization, we’ll help you navigate the complex rules and paperwork required to qualify for the 10-year PSLF program so you can optimize your savings, manage compliance, and stay on track for student loan forgiveness.
Loan Delinquency and Default
Regain Control & Pay What You Can
Getting your loans back on track can be difficult, discover the best way to gain control of your loans and take a step in the right direction.
Client Testimonials
This service made now what I need to do to repay my loans so much easier. I’d recommend them to anyone struggling to figure out student debt.
Sarah K., Boston, MA
As a busy single mom, I needed help figuring out my student loan repayment options. Their program walked me through everything step-by-step and took so much stress off my shoulders.
Amanda G., Chicago, IL
I wasn’t sure how to handle my multiple student loans after graduating. These guys gave top notch personalized advice for my consolidation and managing payments! Saved me thousands
Michael R., Austin, TX
“I was in default and couldn’t afford what the collection agency was forcing me to pay. The team helped me understand the programs available to me. They also helped me build a plan for when I was out of default that fit my budget and financial needs.”
K.D. Baton Rouge, LA
Their website is outdated and hard to navigate. I got confused trying to access my information, but they know their stuff when it comes to loan programs. Yes I’d recommend.
James P., San Francisco, CA
I assumed refinancing my student loans was a smart move, but they advised me against it since I’d lose benefits. So glad I tried them first!
Samuel C., Denver, CO
Get Started Now
Student Loan Forgiveness FAQs
Questions? We’ve got answers.
What do I need to get started?
Your most recent household tax return(s) and your student loan data. If you have federal loans, you can download this information from National Student Loan Data System. If you have private loans, a recent monthly statement should have everything you need.
How long will the process take?
If you have everything that you need, an average session from start to finish takes about five minutes. Most questionnaires end up being about 20 questions.
How confident are you that you can find me a solution?
We are 100% confident that we can find some type of solution for your situation. We can address various monthly payments you are eligible for or even find a solution such as cancellation or forgiveness. We are positive that you will walk away feeling more confident about your student loan debt and financial situation.
Your most recent household tax return(s) and your student loan data. If you have federal loans, you can download this information from National Student Loan Data System. If you have private loans, a recent monthly statement should have everything you need.
If you have everything that you need, an average session from start to finish takes about five minutes. Most questionnaires end up being about 20 questions.
We are 100% confident that we can find some type of solution for your situation. We can address various monthly payments you are eligible for or even find a solution such as cancellation or forgiveness. We are positive that you will walk away feeling more confident about your student loan debt and financial situation.
What are the different types of federal student loan repayment plans?
The main federal repayment plans are standard, graduated, income-driven (IDR), and extended plans. Each has different terms for repayment length, monthly payment amounts, and eligibility requirements. Popular income-driven plans include PAYE, REPAYE, and IBR.
How do private student loan repayment plans differ from federal plans?
Private loans offer less flexibility. Repayment options are usually limited to standard 10-year, graduated, and extended repayment only. Income-driven plans are not available for private loans. Cosigners may also be required.
Can I consolidate my federal and private student loans together?
No, you can only consolidate federal loans together. This is because federal consolidation lets you access income-driven repayment plans. Private loans must remain separate and cannot be consolidated with federal.
The main federal repayment plans are standard, graduated, income-driven (IDR), and extended plans. Each has different terms for repayment length, monthly payment amounts, and eligibility requirements. Popular income-driven plans include PAYE, REPAYE, and IBR.
Private loans offer less flexibility. Repayment options are usually limited to standard 10-year, graduated, and extended repayment only. Income-driven plans are not available for private loans. Cosigners may also be required.
No, you can only consolidate federal loans together. This is because federal consolidation lets you access income-driven repayment plans. Private loans must remain separate and cannot be consolidated with federal.