FAq's

• IS THIS FORGIVENESS TRULY POSSIBLE?

YES. AS LONG AS ALL RECERTIFICATIONS ARE DONE CORRECTLY, ON TIME, AND THROUGHOUT THE ENTIRE TERM, FORGIVENESS WILL BE GIVEN. MOST BORROWERS FALL OUT OF THE PROGRAM, DUE TO THE FAILURE TO RECERTIFY BY THE GIVEN DEADLINE, THIS IS VITAL. IN REALITY, IT WOULD BE TOO GOOD TO BE TRUE IF THE LOANS WERE TO BE FORGIVEN THE MOMENT ONE IS ENROLLED. THERE ARE MANY DIFFERENT PROGRAMS AND FORGIVENESS TYPES.  AT THIS POINT, THE OBJECTIVE IS TO HAVE THE LOANS PAID OFF AND THAT IS WHY THE PROGRAMS ARE STRETCHED OUT OVER A PERIOD OF TIME TO GIVE YOU A CHANCE TO MAKE PAYMENTS THAT ARE FAIR TO YOUR SITUATION. 

• ARE YOU GUYS A SCAM? 

ABSOLUTELY NOT. OUR FOUNDERS HAVE BEEN IN THE STUDENT LOAN DEBT INDUSTRY FOR OVER 10 YEARS AND WE ARE VERY AWARE THAT IT IS DEFINITELY A SEA OF SLIME IN THE STUDENT LOAN WORLD. HOWEVER, WE ARE ONE OF THE VERY FEW COMPANIES THAT ARE TRANSPARENT, HONEST, AND DIRECT ABOUT HOW THESE PROGRAMS WORK AND THE SERVICES WE PROVIDE. OUR SERVICES WORK JUST LIKE YOUR ACCOUNTANT, BOOKKEEPER, CREDIT REPAIR, LAWYER, ETC... THOSE ARE ALL SERVICES THAT YOU MAY DO ON YOUR OWN, OR HIRE AN EXPERT TO DO IT FOR YOU. PAYING FOR A SERVICE IS NOT A SCAM, OUR INDUSTRY IS GETTING A VERY POOR REPUTATION DUE TO OTHER ENTITIES THAT ARE MISLEADING BORROWERS AND JUST SIMPLY BEING UNETHICAL. WE PRIDE OURSELVES ON OUR PASSION TO PROVIDE A SERVICE, PEACE OF MIND TRANSPARENCY, AND ABIDING BY THE AGREEMENT OUR CUSTOMERS SIGN WITH US! 

• WHY WOULD THE GOVERNMENT FORGIVE MY LOANS?

THIS IS BECAUSE STUDENT LOAN DEBT IS AT 1.7 TRILLION DOLLARS NATIONWIDE AND IT IS THE ONLY FORM OF DEBT THAT NOT EVEN BANKRUPTCY CAN RESOLVE. FEDERAL STUDENT LOANS ARE A HUGE PROBLEM IN AMERICA. 

• ARE THESE PROGRAMS REAL? 

YES, 100%. AS A MATTER OF FACT, THESE PROGRAMS HAVE BEEN AROUND FOR OVER 15 YEARS, ORIGINATING BACK ON OCTOBER 1, 2007. THIS HAS BEEN PUBLIC INFORMATION SINCE THEN AND CAN ALL BE VERIFIED AND SEEN DIRECTLY ON THE DOE, FSA'S WEBSITE.

SOME STUDENTS EITHER COULD NOT COMPLETE SCHOOL OR NEVER TRULY FOUND THEMSELVES USING THE DEGREES THEY PULLED AN OBSCENE AMOUNT OF LOANS FOR. OTHERS, ARE IN THEIR FIELD BUT ARE NOT COMPENSATED PROPERLY. DUE TO THESE SITUATIONS BECOMING MORE OF A COMMON DENOMINATOR IN THE REALM OF STUDENT LOANS, THE FEDERAL GOVERNMENT MADE THESE FORGIVENESS OPTIONS AVAILABLE.

PSLF PROGRAM, AS AN EXAMPLE; WAS DESIGNED TO MOTIVATE INDIVIDUALS TO WORK IN THE PUBLIC SECTOR. IN RETURN, THEY OFFER A 10-YEAR FORGIVENESS TO BORROWERS WHO DECIDED TO WORK IN THE PUBLIC SECTOR DURING REPAYMENT. 

• IS IT FOR SURE THAT I WILL BE ENROLLED INTO THE PROGRAM?

THE PROGRAMS ARE INCOME-DRIVEN AND ARE CONSCIOUS OF YOUR FINANCIAL SITUATION. AS LONG AS ALL THE INFORMATION PROVIDED TO US IS TRUE ONCE WE FULLY QUALIFY YOU THEN YOUR ENROLLMENT WILL WITHOUT ANY DOUBT GO THROUGH.

• HOW MUCH IN STUDENT LOAN FORGIVENESS CAN YOU RECEIVE? 

THIS DEPENDS ON THE LOAN FORGIVENESS PROGRAM YOU APPLY TO. IN SOME CASES, YOU MAY EVEN QUALIFY FOR UP TO 100% LOAN FORGIVENESS. 

TEACHER UP-FRONT FORGIVENESS CAN PROVIDE ANYWHERE BETWEEN $5,000-$17,500 (IF ELIGIBLE).

• WHAT IS PUBLIC SERVICE LOAN FORGIVENESS PROGRAM?

AN INCENTIVE FOR COLLEGE GRADUATES TO WORK FULL-TIME IN THE PUBLIC SERVICE SECTOR ˆ I.E. POLICE, TEACHERS, NURSES, FIREFIGHTERS, ETC. ˆ FOR 10 YEARS TO QUALIFY FOR FORGIVENESS ON WHAT’S LEFT OF THE STUDENT LOAN DEBT. 

• HOW DO YOU BECOME ELIGIBLE FOR PUBLIC SERVICE LOAN FORGIVENESS?

YOU MUST BE A FULL-TIME EMPLOYEE (30 HRS PER WEEK) AT A QUALIFIED PUBLIC SERVICE ORGANIZATION AND MAKE 120 SEPARATE, ON-TIME LOAN PAYMENTS. YOU ALSO MUST BE IN A QUALIFYING REPAYMENT PROGRAM. 

• CAN MY LOANS BE FORGIVEN IF I DECLARE BANKRUPTCY? 

WITH AN EXTREMELY RARE EXCEPTION, STUDENT LOANS CANNOT BE DISCHARGED IN BANKRUPTCY COURT. MANY PEOPLE WHO COMPLETE BANKRUPTCY MUST CONTINUE TO PAY ON THEIR STUDENT LOANS. IF YOUR STUDENT LOAN PAYMENTS ARE UNAFFORDABLE, CONSIDER CONSOLIDATING UNDER AN INCOME-BASED REPAYMENT PLAN FOR A LOWER MONTHLY PAYMENT.