If you have Federal Student Loans you may qualify for any of the student loan forgiveness programs that are available to borrowers. You may be eligible for principal reduction, loan forgiveness, or a complete loan discharge depending on your individual circumstance.
You may be eligible to combine all your federal student loans into one new loan. Our doc prep services will evaluate and help you get qualified for a new program where you will have only one lender, with one monthly payment. Our specialist will assist you obtain a payment plan that’s affordable to you.
Income Based Payments
If you are suffering from a financial hardship, you may be eligible for an Income Based Payment. In this repayment program, you would have a payment based on your income and family size. The payment could be as low as $0.00 per month, with forgiveness at the end of 20-25 years.
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“We’re offering millions the opportunity to cap their monthly student loan payments to ten percent of their income, and I want to work with Congress to see how we can help even more Americans who feel trapped by student loan debt.” – President Obama – 2014 State of the Union Address
Zero Dollar Payment (ZDP) is not affiliated with the following: any local, state or federal government agencies; Department of Education; or any student loan servicers, lenders or providers. We are not a lender, and we are not a legal advice service. We are an independent company that specializes in the development and administration of documents to assist debtors with the necessary paperwork needed to complete the federal student loan consolidation and/or forgiveness process. If you need legal or financial advice please contact an attorney or financial professional.
Ability to Apply for Relief. You can apply for loan consolidation or alternative repayment programs on your own, without paid assistance, through the DOE at www.studentloans.gov. Each of the DOE's student loan forgiveness programs has specific conditions and requirements that must be satisfied, and borrowers may not qualify under any of these programs.