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Forgiveness Programs Overview

Student Loan Forgiveness
Programs Overview

Discover Real Paths Toward Student Loan Relief At National Debt Assistance, we help you navigate the complex world of student loan forgiveness programs. Whether you’re struggling with high monthly payments or uncertain about your eligibility, our mission is simple: help you find the right solution and walk with you every step of the way

What Is Student Loan Forgiveness?

Student loan forgiveness means you are no longer required to repay part or all of your federal student loan debt—if you qualify under a government-approved program. These programs are often based on your income, employment, or repayment history.

Types of Forgiveness Programs You May Qualify For:

1. Public Service Loan Forgiveness (PSLF)

For full-time employees at qualifying nonprofit or government organizations.

  • Key Benefits: Forgiveness after 120 qualifying monthly payments (10 years)
  • Best For: Teachers, nurses, firefighters, government employees, and nonprofit workers
  • Note: Must be enrolled in an income-driven repayment (IDR) plan

2. Income-Driven Repayment (IDR) Forgiveness

Based on your income and family size, not your job.

  • Key Benefits: Affordable monthly payments; forgiveness after 20–25 years
  • Plans Include: REPAYE, PAYE, IBR, and ICR
  • Eligibility: Most federal loan borrowers qualify

3. Teacher Loan Forgiveness

Designed for educators in low-income schools or educational service agencies.

  • Key Benefits: Forgive up to $17,500 in federal loans
Service Requirement: Must teach full-time for five consecutive years
  • Eligible Roles: Math, science, and special education teachers are prioritized

4. Total and Permanent Disability (TPD) Discharge

For borrowers who are unable to work due to a medical disability.

  • Key Benefits: Full forgiveness with supporting medical documentation
  • Eligibility: Confirmed by a physician, the VA, or Social Security Administration

5. Borrower Defense to Repayment

For those who were misled or defrauded by their college or university.

  • Key Benefits: Partial or full loan cancellation
  • Eligibility: Must show that the school misrepresented facts about your education or loans

Not Sure What You Qualify For?

We understand every situation is unique. That’s why we offer personalized guidance to help you determine your eligibility and enroll in the best-fit forgiveness program.

Talk to a Student Loan Specialist – It’s Free

Take the first step toward a debt-free future. Book a free consultation with one of our licensed specialists today.
 

Why National Debt Assistance?

  •  Experienced and licensed specialists
  • Transparent process—no hidden fees
  • Trusted by thousands of borrowers nationwide

National Debt Assistance is a document preparation center that provides assistance to individuals and families struggling with federal student loan debt nationwide. With our team of expert case managers we are able to help you navigate your way out of federal student debt.

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Alex thank you! It still seems too good to be true. We have tried and tried to get our loans forgiven with other places who literally just took advantage of us. I finally feel this weight being lifted and I am able to look forward and say I can handle this. Alex was very polite well spoken precise and the process was a breeze. Thank you again!
Mark H.
Mark H.
I called to get help and I had a AMAZING experience with Alex Brown. He was so helpful and I really enjoyed my experience with him. He made me feel so important and like my issues and questions mattered! I felt like he was my friend and not just a sales rep, which was greatly appreciated because Most companies don’t have people like him. If you call the this company, ask for Alex!
Harry F.
Harry F.

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