Student Loans, Student Loan Forgiveness

Student Loan Forgiveness Won’t Be Available For Everyone, But This Plan Is Available Now

How to get student loan forgiveness.

9/28/2021 8:44:00 AM

Student Loan Forgiveness Won’t Be Available For Everyone, But This Plan Is Available Now

How to get student loan forgiveness .

Two main groups of student loan borrowers should complete this income-driven repayment plan form:Federal student loan borrowers who want to enroll in an income-driven repayment plan for the first time; andFederal student loan borrowers who need to make changes to their current income-driven repayment plan.

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What’s the application fee for an income-driven repayment plan?There is no application fee to enroll in an income-driven repayment plan. There are private companies that are not affiliated with the U.S. Department of Education that will try to charge you a fee to complete the application for you. Remember, it’s completely free to enroll, so you don’t have to pay a company to “get student loan forgiveness” or “lower your monthly student loan payment.” If their strategy is to get you access to an income-driven repayment plan, it’s likely they’re offering services that you can do on your own for free.

Which income-driven repayment plan should I choose?Every borrower will have a unique financial and personal situation. Test what your monthly student loan payment will be under each of the four income-driven repayment plans. Income-driven repayment plans also offer federal student loan forgiveness after 20 years (college loans) and 25 years (graduate loans) of on-time student loan payments. You can choose the income-driven payment plan that maximizes your student loan forgiveness. headtopics.com

Can I switch from one income-driven repayment plan to another plan?Yes.What if my income changes?Recertify your income and family size every year. This is especially important after the Covid-19 pandemic if you are currently unemployed, change your family size, or changed your income. Contact your student loan servicer to update your income annually, as this can affect the amount of your monthly student loan payment.

Is an income-driven repayment plan better than forbearance or deferment?While forbearance or deferment may be short-term options if you can’t afford your monthly student loan payments, they are often less effective than an income-driven repayment plan. Principally, an income-driven repayment plan offers student loan forgiveness, while forbearance or deferment does not. If your student loans are enrolled in forbearance or deferment, this period likely won’t count toward student loan forgiveness until you restart payment. Interest also can accrue, which can increase your student loan balance and total cost of your student loans. In contrast, with an income-driven repayment plan, your monthly student loan payment may be as low as $0.

Read more: Forbes »

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