Student loan help
You do not need to know a program name. Start with your situation, read the reviewed guides, or take one free eligibility check to identify possible paths.
6 borrower situations. 21 reviewed offerings. One free eligibility check.
Start with your story
Choose the situation that feels closest to yours. Each path opens a reviewed guide, and screening can identify other possibilities.
Explore federal forgiveness paths, including public service, teacher, and Perkins programs that may warrant review.
Explore this situationReview federal repayment-plan choices and records without treating screening as a qualification decision.
Explore this situationFor delinquent or charged-off private student loans, attorney-supervised settlement may be an option.
Explore this situationReview the federal Total and Permanent Disability discharge process and its available evidence paths.
Explore this situationBankruptcy and a separate adversary proceeding may require individualized attorney review.
Explore this situationReview school-related federal discharge paths and the records that may support further evaluation.
Explore this situationBrowse every option
Each guide explains who the option may help, how it works, records to gather, important cautions, and what to do next.
A federal program that can forgive the remaining balance on Direct Loans after 120 qualifying monthly payments made while you work full time for government or qualifying nonprofit employers. You can apply on your own at no cost; the firm sells attorney-supervised help with the record work.
Screening availableA federal discharge of eligible student loans and of a TEACH Grant service obligation for borrowers with a qualifying total and permanent disability. Many borrowers are now discharged through Social Security and VA data matching without ever applying, so check that before you pay anyone.
Screening availableA federal application for borrowers whose school misled them about the things that drove the decision to enroll. Signing it also hands the Department your claims against the school for whatever loans it forgives, so that trade-off deserves attention first.
Screening availableA federal discharge for borrowers whose school shut down while they were enrolled, or shortly after they left, and who did not finish the program another way. The rules governing that lookback are in genuine conflict right now, and anyone quoting you a firm number is quoting one side of it.
Screening availableFederal Student Aid runs this relief through four separate applications, one for each ground: high school graduation status, disqualifying status, unauthorized signature or payment, and identity theft. Choosing the ground that fits your facts is the heart of the matter.
Screening availableA federal program that can forgive up to $5,000, or up to $17,500 for certain math, science, and special education teachers, after five consecutive complete academic years of full-time teaching at a qualifying low-income school or educational service agency.
Screening availableFederal Perkins Loans can be cancelled a year at a time for qualifying service such as teaching, nursing, law enforcement, early childhood work, and military service. The request usually goes to the school that made the loan, not to a single federal application.
Screening availableStudent loans survive an ordinary bankruptcy unless a judge finds that repaying them is an undue hardship. This California attorney consultation looks at the bankruptcy and the loan question together, before you commit to either one.
Screening availableFederal student loans can be discharged when the borrower dies, and a parent's PLUS loan can be discharged when the student dies. There is no application form to complete. The loan holder needs acceptable proof of death, and we can carry that correspondence so your family does not have to.
Screening availableA federal application about the part of your loan a school should have returned when you left early and did not. It cancels that portion only, not the whole balance, and the amount at stake is often modest.
Screening availablePrivate education loans only, handled as a consultation with the firm. Nothing about this service is bought online, and any settlement depends on a creditor choosing to accept one.
Screening availableThis is our own advisory service rather than a government program: a supervised review of your federal loan record that says which repayment path fits you and what each option would cost.
Screening availableAttorney-supervised help applying for a federal repayment plan that sets your payment from your income and family size, and choosing which plan your loans still allow after the 2026 rule changes.
Team reviewAttorney-supervised review and filing of a Direct Consolidation Loan, which replaces several federal loans with one, after a hard look at what consolidating would cost you.
Team reviewThere is no federal complaint form for this. There are three free channels, they run in a specific order, and a case built well enough for whichever one you use.
Team reviewTwo working routes out of federal student loan default — rehabilitation and consolidation — reviewed side by side, because each one trades away something different.
Team reviewChapter 7 can clear many ordinary debts, but student loans stay in place unless a bankruptcy judge makes a separate undue-hardship finding in a second, related case. This is a California attorney consultation about whether filing fits your situation.
Team reviewAn attorney consultation for California residents weighing a Chapter 13 repayment plan, including the point most people are never told: finishing the plan does not erase student loans.
Team reviewThe lawsuit filed inside a bankruptcy that asks a judge to find that repaying your student loans is an undue hardship. Attorney-run, and the only route to a court order that reaches the loans themselves.
Team reviewAn attorney-led path for California residents: a Chapter 7 case to clear other debts, plus the separate bankruptcy-court lawsuit that is the only way a judge can discharge student loans.
Team reviewA consultation for California residents weighing a Chapter 13 repayment plan alongside the separate bankruptcy-court lawsuit that asks a judge to discharge student loans for undue hardship.
Team review