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.