General Questions
How do I apply for student loan forgiveness?
There is no application that guarantees you will be granted for quick student loan forgiveness. Furthermore, before the remaining sum on your student loans is completely cancelled, you must completed these forgiveness programs requirements which typically last 120-300 months. We’re here to assist you with the documentation required to consolidate your Federal Student Loans and enroll in an Income-Driven Repayment plan, such as but not limited to Revised Pay As You Earn (REPAYE) or Income-Based Repayment Program (IBR).
How much is the cost of your services?
The service fee covers document preparation for your application as well as any necessary services. We only get paid if your application is approved. Finally, we offer a 100% cash back refund guarantee if your approval does not meet your expectations.
Can I apply for the repayment / forgiveness program on my own?
Absolutely. You can apply for the payback or forgiveness program on your own. Simply contact your loan servicer and explain your current circumstances. You can come to us if you’re having problems with your lending institution. We’ve got your back!
Where can I research these repayment programs?
Your loan provider or the Department of Education are ideal places to start. On our homepage, we also took the responsibility of offering thorough information about these programs as well as easy-to-read downloadable guide material.
What happens if I want to CANCEL my service with your company?
Student’s Relief has no cancellation fees. You have the right to cancel at any moment for any reason. Finally, we offer a 100% cash- back guarantee if your approval does not meet your expectations.
Send us an email at [email protected] or call (888)331-3429
Repayment and Forgiveness Program
Are there different repayment plans?
Yes, there are numerous repayment solutions available. Each repayment plan is tailored to the specific circumstances of each borrower. Inquire with your loan servicer about these possibilities.
What are the repayment plans?
Many repayment options are available through the Department of Education. More information is available at www.studentaid.gov.
Standard Repayment Plan: allows you to pay a set amount each month. Depending on your loan balance, the term can range from 10 to 30 years.
Graduated Repayment Plan: begins with a lower monthly payment and gradually increases every two years until the entire loan balance is paid off. Depending on your loan balance, terms can range from 10 to 30 years.
Income-Driven Repayment Plans: Allows borrowers to pay less each month based on their income and family size. The terms vary between 20 and 25 years. The remaining loan balance will be forgiven after the program’s term is completed with these programs.
(Reference: https://studentaid.gov/manage-loans/repayment/plans)
What is Student Loan Forgiveness?
The various Income-Driven Repayment Plans (e.g., Pay As You Earn, Revised Pay As You Earn, Income-Based Repayment, Income-Contingent Repayment) contain terms in which the remaining loan balance may be forgiven if the borrower still has a debt after the term is ended. The length of the loan varies from 20 – 25 years based on the sort of repayment plan the borrower is eligible for. The sum canceled is determined by the original loan amount, the borrower’s earnings, and how much the borrower’s income fluctuates over time.
What are the available Income-Driven Repayment (IDR) plans?
The Department of Education offers the following Income-Driven Repayment Plans:
- Revised Pay As You Earn (REPAYE)
- Pay As You Earn (PAYE)
- Income-Based Repayment Plan (IBR)
- Income-Contingent Repayment Plan (ICR)
For more information about these plans, visit https://studentaid.gov/app/ibrInstructions.action
I am disabled. How can I qualify for forgiveness?
If you are physically incapacitated, there is a program that will alleviate you of your need to repay or comply with all of your Federal student loan requirements. You must file an application for discharge and provide the TPD (Total and Permanent Disability) form signed by your doctor before your Federal student loans can be canceled. When the Department of Education receives the form, they will determine if you are eligible for a TPD Discharge.
My taxes and income are being garnished. Do you have a program to help me?
There is a program that can help you eliminate garnishment and get your loans back on track. This is a ONE-TIME opportunity to participate in a Loan Rehabilitation Program. It allows users to make a constant payment of $5-$30 to the loan collection agency for 9 months. After that, you will be released from wage garnishment and will be able to begin repaying your student loans using the repayment schedule that your loan is presently on.
Once you’ve been released from garnishment, you can apply for an Income-Driven Repayment plan, which allows you to make fewer monthly installments.
Can you help with my Private student loan?
Student’s Relief is a third-party document processing company that only works on applications for federal student loan programs.
What is the Public Service Loan Forgiveness program?
The US Congress constituted the Public Service Loan Forgiveness Program (PSLF) in 2007. This was made for individuals who work full-time in public service jobs or organizations that cater to public and/or community services. If qualified, borrowers are asked to make 120 payments under a specific repayment plan, and the remaining balance would be forgiven after finishing the term of payment.
For more information about PSLF, you may visit https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service.
What does it mean to consolidate my loans?
Consolidating all of your applicable outstanding student loans into one larger loan with one monthly payment is what consolidation is all about. You can apply for a choice of repayment plans that offer lower installments and fixed interest rates once your debts have been combined. Furthermore, it will provide you with a three-year fresh start in terms of deferment or forbearance. Some repayment plans, such as Income-Driven, allow you access forgiveness at the conclusion of the term if you still owe money at the end of it.
Affiliation with Servicer and DOE
Are you affiliated with lenders and servicers?
Student’s Relief is a document processing business that has no affiliation or link with any servicer or lender. Because we research, study, and follow the Department of Education’s program rules, our organization specializes in student loan repayment and forgiveness programs.
Are you affiliated with the Department of Education?
Student’s Relief is an independent document processing firm that has no ties to the Department of Education or any other government agency. We adhere to the Department of Education’s rules. Visit www.studentaid.gov for more information on repayment and forgiveness programs.
What happens to my old servicers?
The Department of Education will hold and fund your loans. They may be returned to your original servicer or transferred to a different servicer at some point, but they will be enrolled and completely compliant with your new repayment program.
Will you be paying down my student loans?
Student’s Relief is a third-party document processing service that will not pay your student loan debt. We are not your servicer, lender, or debt mediator who can help you pay off your student loans.
Can I do this on my own?
Absolutely. You can apply for the payback or forgiveness program on your own. Simply contact your loan servicer and explain your circumstance. You can come to us if you’re having problems with your loan servicer. We’ve got your back!
About Us
What company are you from?
Student’s Relief is a document processing service that assists consumers in qualifying for federal student loan repayment and forgiveness programs. We offer student loan borrowers who are having trouble repaying and managing their federal student loans a solution and the tools they need.
Where are you located?
Our office is at 725 Kingsland Avenue., Suite 100, 63130. We operate from Mondays through Fridays, 8:30AM to 5:30PM Pacific Time.
How do we contact you?
You can go to our Contact Us page and leave your name, phone number, and contact details. Or you can call or email us at (888)331-3429, [email protected].