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And that may seem like no big deal, but when it’s taking over a year to hear back from the Department of Education on the status of Borrower’s Defense Against Repayment Applications, that means you’ve got THOUSANDS of reasons (read: DOLLARS) to get it right the first time around!If you do decide to get help, let me offer a quick word of advice: call the Student Loan Relief Helpline, because they’re staffed by actual debt relief experts who can quickly review your situation, then make a recommendation on what you need to do to get rid of your loans as cheaply as possible.In contrast, the Discharge programs let you wipe your loans out right away (based on certain guidelines you must meet), but they’re much harder to qualify for because they’re only available to a tiny slice of the population of people with student loan debt.Below, I’ll go through each available Forgiveness and Discharge program in detail, so prepare for heavy reading, because you’ll need to get into specifics to determine which program will work best for you.Part of the Obama Loan Forgiveness Program, Pay As You Earn is one of the best income-based Federal Student Loan Repayment Plans available this year, and it’s only downside is that it’s only available to people who took out loans on or after October 1st, 2007.

For all the details about how it works, please visit my page on President Obama’s Student Loan Forgiveness Program.

I’m going to let you in on a little secret: in 2018, it’s possible to get rid of your student loan debt without paying a single cent! Via a variety of Student Loan Forgiveness Programs, which are now readily available for both Federal and Private Student Loans.

There’s never been a better opportunity to qualify for Private and Federal Student Loan Forgiveness Benefits, as there are literally tons of different programs available, so be sure to browse through my list below and you’re almost certain to find a forgiveness program that can help you get rid of student loans quickly and easily.

The good news is that if you’re willing to invest some time poking around my site, you’re almost guaranteed to find a benefit program that’ll help you get rid of (or at last reduce) your private student loan debt quickly, and affordably.

And if you really aren’t able to qualify for any of the programs I’ve covered here, then you may simply need to deploy some creativity towards how you live your life, like by getting paid exclusively under the table (so the IRS/Debt Collectors think you’ve got no income), moving to a foreign country (making you untouchable to U.

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