Summary of Article
The Consumer Financial Protection Bureau estimates that one-fourth of the American workforce may be eligible for repayment or loan-forgiveness programs, the Associated Press reported last month.
If you just don't think about them, they're not real -- right
That's how many students tend to think about the thousands or -- in extreme cases -- hundreds of thousands of dollars they borrow in student loans over the course of their higher education.
After graduation, most students are entitled to one six-month "grace period" to get a job before they must start their federal loan payments, according to the National Student Loan Data System for Students.
But when time's up, reality sinks in -- and fast.
The Consumer Financial Protection Bureau, however, estimates that one-fourth of the American workforce may be eligible for repayment or loan-forgiveness programs, the Associated Press reported last month.
GLOSSARY: Key student loan words and terms explained
Figuring out which loan forgiveness programs you qualify for can require some legwork, but you could be surprised by the number of options, says Betsy Mayotte, director of regulatory compliance at Saltmoney.org, an organization that authored "60 ways to get rid of your student loans (without paying them)".
"When we counsel people, what we get all the time is that people don't know all these options exist, these lower payments, these programs," Mayotte says. "They think it's either you pay (your student loans), or you get in trouble. And it's just not like that."
Many humanitarian and public-sector jobs are eligible for loan forgiveness, Mayotte says, so that "borrowers can follow their passions instead of their bills." That way, someone who wants to be a public defender, for example, will not be deterred by an expensive law degree.
Of course, there is no way to escape student loan debt scot-free, as many federal programs require qualifications, research and lots of fine print. But doing your homework can pay off, Mayotte says.
RELATED: Average debt up again for recent college grads
What's the first step Simply talk to your loan provider, Mayotte says. Loan providers are very familiar with federal programs and will be able to help borrowers determine which programs make sense for their circumstances.
Below are four ways borrowers can have their federal student loans forgiven through a variety of government programs.
1. Become a public school teacher in a low-income area.
Thanks to the government's Teacher Forgiveness Program, up to $17,500 of your federal Stafford loans or the entirety of your Perkins loans can be forgiven in exchange for five consecutive, full-time years as a teacher at certain low-income elementary or secondary schools.
From the Army to the National Guard, each branch of the military has its own student loan forgiveness program. Forgiven loan amounts usually depend on the level of rank achieved. Those interested should contact their preferred branch to learn about their options, Mayotte suggested.
3. Apply for the Income-Based Repayment Plan.
Just about everyone should consider applying for the Income-Based Repayment Plan, Mayotte says. The program adjusts students' monthly loan payments to be no more than 15% of their "discretionary" income (the amount of money they make that falls above the federal poverty level).
Take, for example, a recent grad who makes $20,000. Because the federal income level within the contiguous United States is $11,490, that means he only makes $8,510 in discretionary income. Under the IBR, he would only have to make payments that were 15% of that $8,510, which equals about $106 a month.
It's entirely possible, Maylotte says, that some recent graduates make so little that they qualify to make $0 payments.
After 25 years of making these adjusted loan payments, the borrower's remaining balance is completely forgiven.
4. Get a public service, government or non-profit job.
Those who borrowed money under the William D. Ford Federal Direct Loan program can apply to the Public Service Loan Forgiveness Program. In this program, full-time employees in the public service or non-profit sector can have the remainder of their outstanding debt forgiven after they successfully make 120 qualified loan payments.
What kinds of jobs qualify as public service "Any employment with a federal, state or local government agency, entity, or organization or a not-for-profit organization that has been designated as tax-exempt by the Internal Revenue Service (IRS) under Section 501(c)(3) of the Internal Revenue Code (IRC)," according to the U.S. Office of Education's federal student aid website.
Some 501(c)(3) organizations that pay taxes are still included in the program, however, if they fall under a specified list of public services such as early-childhood education or public-interest law services.
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Student Loan Consolidation Options Rates Services
Student loan forgiveness might seem too good to be true, but there are legitimate ways to get it through free government programs. The following options are available only to borrowers with federal student loans. Some programs have very specific requirements that make them difficult to qualify for, but income-driven repayment plans are open to most borrowers. » MORE: How to get loan forgiveness through borrower defense to repayment You’re not eligible for federal student loan forgiveness programs if you have private loans, but there are other strategies for managing private loan debt. » MORE: Income-based repayment: Is it right for you » MORE: How to get Public Service Loan Forgiveness. » MORE: How teachers can get student loan forgiveness » MORE: 3 student loan forgiveness options for nurses » MORE: Steer clear of ‘Obama student loan forgiveness’
Student loan forgiveness programs Income-driven repayment forgiveness The federal government offers four main income-driven repayment plans, which allow you to cap your loan payments at a percentage of your monthly income. When enrolled in one of these plans, your remaining loan balance will be eligible for forgiveness after 20 or 25 years, depending on the plan. These plans are most beneficial for those with large loan balances relative to their income.
Student loan forgiveness might seem too good to be true, but there are legitimate ways to get it through free government programs.
The following options are available only to borrowers with federal student loans. Some programs have very specific requirements that make them difficult to qualify for, but income-driven repayment plans are open to most borrowers.
» MORE: How to get loan forgiveness through borrower defense to repayment
You’re not eligible for federal student loan forgiveness programs if you have private loans, but there are other strategies for managing private loan debt.
» MORE: Income-based repayment: Is it right for youPublic Service Loan Forgiveness Public Service Loan Forgiveness is available to government and qualifying nonprofit employees with federal student loans. Eligible borrowers can have their remaining loan balance forgiven tax-free after making 120 qualifying loan payments. In order to benefit from PSLF, you’ll need to make payments while enrolled in an income-driven repayment plan. Otherwise, on a standard repayment plan, the loan would be paid off before you’re eligible to benefit from forgiveness.
» MORE: How to get Public Service Loan Forgiveness.Teachers employed full time in low-income public elementary or secondary schools may be eligible for forgiveness after working for five consecutive years. They can have up to $17,500 in federal direct or Stafford loans forgiven. To qualify, teachers must have taken out loans after Oct. 1, 1998.
» MORE: How teachers can get student loan forgivenessStudent loan forgiveness for nurses Nurses shouldering student debt have several options for student loan forgiveness: Public Service Loan Forgiveness, Perkins loan cancellation, and the NURSE Corps Loan Repayment Program, which pays up to 85% of qualified nurses’ unpaid college debt. Public Service Loan Forgiveness may be the mostly likely option for most nurses — few borrowers have Perkins loans, and the NURSE Corps program is highly competitive.
» MORE: 3 student loan forgiveness options for nursesObama student loan forgiveness There’s no such thing as “Obama student loan forgiveness.” However, some student “debt relief” companies use it as a catch-all term for free federal programs — which they charge to enroll borrowers in. If you encounter a company offering “Obama student loan forgiveness,” consider it a red flag. Enrolling in federal programs like income-based repayment and federal student loan consolidation is free to do on your own through the Department of Education.
» MORE: Steer clear of ‘Obama student loan forgiveness’Other student loan forgiveness programs There are a few additional niche student loan forgiveness or payment assistance programs you may qualify for through federal or state programs. Eligibility in these programs depends on your profession and where you work discover student loans customer service
Student loan forgiveness : What you don't know (but should)
It's estimated that roughly 50% of student loan borrowers qualify for some type of student loan forgiveness program. But this statistic is misleading, because a lot of borrowers think this means qualifying for some type of student loan forgiveness program. That's wrong.
Actually, most borrowers qualify for student loan forgiveness through one of these "secret" ways. The secret is simple: sign up for a qualifying student loan repayment plan, and any remaining balance on your loan will be forgiven at the end of the plan.
It's that simple. What's even better is that your income could be low enough to qualify for zero or minimal repayment, at which your loan will be forgiven at the end. Yes, there may be tax consequences, but that shouldn't deter you from these programs. It is the best alternative if you can't afford your loans and you are looking for forgiveness options (and we discuss the taxes a bit at the end of the article).
If you're not quite sure where to start or what to do, consider hiring a CFA to help you with your student loans. We recommend The Student Loan Planner to help you put together a solid financial plan for your student loan debt. Check out The Student Loan Planner here.
Here are the student loan repayment plans that qualify for student loan forgiveness:
The Income Based Repayment Plan (IBR) is one of the most common repayment plans borrowers switch to if they are having financial hardship. If you have loans from before July 1, 2014, you payment will not be higher than 15% of your discretionary income. On this plan, you will make payments for 25 years, and at that point, your loans will be forgiven.
If you are a borrower with loans after July 1, 2014, your loan will not exceed 10% of your discretionary income, and the loan will be forgiven after just 20 years.
With IBR, you loan repayment will never exceed the payment of the 10 year standard repayment plan, and your loan will also be forgiven at the end of the term.
The actual amount of your "discretionary income" is determined by a formula based on your family size and income tax returns. Check out our Discretionary Income Calculator to find out what your discretionary income would be.
2. Pay As You Earn Repayment Plan (PAYE)
The Pay As You Earn Repayment Plan (PAYE) is very similar to the IBR Plan. With PAYE, you will not pay more than 10% of your discretionary income, and your loan will also be forgiven after 20 years. This program is also sometimes referred to as Obama Student Loan Forgiveness.
The key difference is that certain loans going back to 2007 qualify for this plan.
With PAYE, you loan repayment will never exceed the payment of the 10 year standard repayment plan, and your loan will also be forgiven at the end of the term.
For both IBR and PAYE, it might make sense to file your tax return married filing separately to qualify.
3. Revised Pay As You Earn Repayment Plan (RePAYE)
RePAYE is a modified version of PAYE that has become available to borrowers after December 17, 2015. Unlike PAYE, which was available for loans taken out after 2007, RePAYE is open to all Direct Loan Borrowers, regardless of when the loan was taken out. The repayment plan still caps your payment at 10% of your discretionary income, and the loan will be forgiven after 20 years.
The RePAYE plan also includes an interest subsidy that would help cover 50% of the interest in cases where the new payments cannot keep up with the accruing interest.
You can learn more about how RePAYE is helping borrowers here.
4. Income Contingent Repayment Plan (ICR)
The Income Contingent Repayment Plan (ICR) is a little different than IBR or PAYE. There are no initial income requirements for ICR, and any eligible buyer may make payments under this plan. Under this plan, your payments will be the lesser of the following:
With the ICR plan, your loans will be forgiven at the end of 25 years.
It's important to note that with this plan, your payments could end up being higher than the standard 10 year repayment plan. Since you have to submit your income every year, if your income rises high enough, your payment will adjust accordingly.
5. Public Service Loan Forgiveness (PSLF)
This isn't a secret, but this is one of the most popular ways to currently get loan forgiveness. It has nothing to do with your repayment plan, however, if you're smart, you'll combine IBR or PAYE with PSLF to get the maximum benefit.
A lot of people have been worried about what the future of Public Service Loan Forgiveness would be. We have a full break down of the Trump Student Loan Forgiveness Proposals that highlight the key changes. In general, loans issued before June 30, 2019 should be grandfathered in - so if you're a borrower right now, you shouldn't worry too much.
You can learn more about Public Service Loan Forgiveness here: Top Ways To Get Student Loan Forgiveness, or you can enroll in our 15 minute program to show you how to apply. Check out the Public Service Loan Forgiveness Training.
Finally, check out our ultimate guide here: The Ultimate Guide To Public Service Loan Forgiveness (PSLF).
Tax Consequences From Student Loan Forgiveness
It's important to note that while these "secret" student loan forgiveness options could be helpful to some borrowers, for others they may result in tax consequences (see taxes and student loan forgiveness). Under current IRS rules, you may be required to pay income tax on any amount that is forgiven if you still have a remaining balance at the end of your repayment period for any of these plans.
What happens is the forgiven amount of the student loan is added to the borrowers taxable income for the year. So, if you had $50,000 in student loans forgiven under these repayment plans, it is considered income. If you made $35,000 working, your total income for the year would now be $85,000. The result A higher tax bill.
However, for many borrowers, this tax bill is much more manageable than the original debt itself, so the plan makes sense. Using a very simple example, here is what the tax bill will look like in both scenarios:
As you can see, with these repayment plans, you'll owe an additional $11,377 in Federal Income Tax in the year you do it. However, that's cheaper than paying the original $50,000 plus interest. Furthermore, there are options to work out a repayment plan with the IRS if you need to, which may also be helpful in your situation.
Insolvency and Forgiveness
What if you're had a huge amount of student loan debt forgiven and your tax bill is enormous This is a big concern of some people... That's where insolvency comes into play.
Insolvency happens when your total liabilities exceed the fair market value of your assets. You can also be partially insolvent if your student loan debt only partially exceeds your liabilities.
Assets are defined as: cash, stocks, and retirement plans, real estate and ownership interest in a business or partnership. The IRS also includes assets that are difficult to value such as clothing, household items, and tools.
Liabilities include current and past-due bills, student loans (including the loans being forgiven), and business loans.
So, let's say that you have $100,000 in assets (home equity, retirement plans, etc). Let's say you have $200,000 in debt, with $100,000 in student loans being forgiven.
So, $200,000 - $100,000 means you're $100,000 insolvent. Since the value of the student loans being forgiven is $100,000 - none of it will be included on your taxes and will not count towards your taxable income.
This can really help borrowers who are worried about large amounts of taxable income from having their student loans forgiven.
We have a full article on Insolvency and Student Loan Forgiveness here.
A Reminder About Private Student Loans
Remember, private student loans don't offer any type of forgiveness program - even "secret" ones like we mention above. If you're struggling with your private student loans, consider refinancing them to take advantage of a lower interest rate or payment structure.
We recommend using a service like Credible, which allows you to see what you qualify for in less than 2 minutes, and compares student loans at dozens of lenders. Check out Credible today to see if you can save money on your private student loans. As a bonus, College Investor readers will get a $200 bonus when they refinance with Credible!
You can also submit your info here: Credible Refinancing.
If you're not quite sure where to start or what to do, consider hiring a CFA to help you with your student loans. We recommend The Student Loan Planner to help you put together a solid financial plan for your student loan debt. Check out The Student Loan Planner here.
Want to know more about PAYE or IBR Continue the conversation with us in our new Student Loan Debt Forums prosper loans reviews
Are you taking advantage of these "secret" student loan forgiveness strategies
Teacher Loan Forgiveness Federal Student Aid
In 2010, President Obama signed into law the Health Care and Education Reconciliation Act, and ushered in a new era of student loan repayment and student loan forgiveness options.
And while it isn’t the official name, the act has been labeled by many Americans as the Obama Student Loan Forgiveness Program. However, rather than just reforming one single program, the act transformed nearly the entire student loan landscape.
Here’s how the act, which we’ll refer to as the Obama Student Loan Program, impacted federal student loans once it went into effect:
Beyond these benefits, how did President Obama help with student loans exactly Here are some more details to help you get started.
Discover if you qualify for an Obama forgiveness program right now for free.
SEE IF YOU QUALIFY
Obama Loan Forgiveness Programs Available
Since the Obama Loan Forgiveness Program affected several existing federal student loan programs, there are a number of ways to qualify for each.
For more information on each program, click on the following links to explore how the individual Obama forgiveness program can help you.
Standard Repayment Plan
If you have federal student loans that qualify, the Standard Repayment Plan lets you pay off your loans at a fixed rate for 10 years, after which your loans will be paid off completely.
Income-Contingent Repayment (ICR) Plan
To qualify for the Income-Contingent Repayment (ICR) Plan, you’ll first need to have eligible federal student loans.
While the ICR Plan is ideal for anyone with a low income, there isn’t an income requirement associated with the plan. Through this program, your monthly payments are based on your discretionary income, or the amount you’d pay over 12 years on a fixed repayment plan.
Income-Based Repayment (IBR) Plans
There are two IBR programs available, including the original Income-Based Repayment (IBR) Plan and the IBR for New Borrowers Plan. Like other plans, you’ll need to have federal student loans that qualify, and you’ll also need to sign up for the program that is designed for when your loans originated.
For the IBR Plan, these are any loans made prior to July 1, 2014. IBR for New Borrowers, on the other hand, are for loans originating after that date.
Another requirement you will need to demonstrate is a partial financial hardship, which is based on your income, your state’s poverty level and your family size.
Through these programs, you can have your monthly payments capped at 10-15 percent of your discretionary income if you qualify, which is a huge benefit to struggling borrowers. Your payments will then be adjusted annually, but you could earn forgiveness after 20-25 years of qualified payments.
For more details on Obama Loan Forgiveness, speak with student loan specialist by phone at 800-771-6358.
Pay As You Earn (PAYE) Plans
As part of the Obama Student Loan Forgiveness Program overhaul, both Pay As You Earn (PAYE) and the new Revised Pay As You Earn (REPAYE) programs were set into motion.
The PAYE Program offers those with qualifying federal student loans under financial hardship the ability to repay student loans made before October 1, 2007 – as well as disbursed or consolidated loans made on or after October 1, 2011 – at 10 percent of discretionary income.
The REPAYE Program is similar to the PAYE Program, but includes all qualifying federal student loans, regardless of their origination date. Like the PAYE Program, monthly payments through the REPAYE Program are capped at 10 percent of your discretionary income.
Both programs offer forgiveness after 20 years of qualifying payments, unless you have earned a graduate or professional degree, in which case you will need to make 25 years of consistent payments in order to qualify.
Graduated Repayment Plans
If you’re interested in reducing your monthly payments for a short period of time, the Graduated Repayment Plan, the Extended Fixed Repayment Plan and the Extended Graduated Repayment Plan may be able to help.
With qualifying federal loans, the Graduated Repayment Plan will reduce your payments for the first two years upon approval. During this time, you’ll only be making payments towards your loan’s interest.
Once the two years are up, more of your payments will go towards a loan’s principal, and your repayment period will be based on your balance.
If your student debt is more than $30,000, the Extended Fixed Repayment Program may help, as long as you have loans that qualify and don’t have any outstanding balances prior to October 7, 1998. For the first two years under this program, all your payments will be made towards your loan’s interest at a fixed payment amount. After two years, you’ll then begin paying towards your principal, and you’ll have up to 25 years to repay your loan.
The Extended Graduated Repayment Plan is similar to the Graduated Repayment Plan, except it gives you up to 25 years to repay your student loans, while keeping your monthly payments low for the first two years.
These plans are ideal for anyone who has a lower income and is expecting to make more money in the near future, or those who want to have more of their income to spend for the initial two years of each program.
Find out if you can take advantage of Obama Loan Forgiveness for free.
SEE IF YOU QUALIFY
Teacher Loan Forgiveness
Obama student loan forgiveness for teachers is available in several ways, if you’re a qualified teacher who has one of several required federal student loans, and you’re working in a school that also meets the requirements for this type of plan.
In addition to a Perkins Loan Cancellation, which could eliminate any existing debt on your Perkins Loan, there are a number of other programs you may be eligible for.
As part of the Obama forgiveness initiative, these programs give teachers a way to continue in the profession they love, while still having the ability to make reasonable monthly payments. Additionally, you may have an opportunity to have your debt eliminated completely if you meet a program’s qualifications.
Public Service Loan Forgiveness (PSLF) Program
If your career has you serving the public in a public service position, non-profit organization or similar agency, you may qualify for the Public Service Loan Forgiveness (PSLF) Program.
As a borrower of qualifying federal student loans, as well as working for a qualifying employer, you may be able to have your debt erased completely after making 120 consistent, on-time payments. This means that within 10 years of making student loan payments, you could have the remainder of your debt forgiven – and you won’t have to claim it on your taxes, either.
Total and Permanent Disability (TPD) Discharge
Obama student debt forgiveness also includes the Total and Permanent Disability (TPD) Discharge, which is an incredible program for borrowers who have a disability or permanent injury that prevents them from repaying student loans.
If you are unemployable and can have your total and permanent disability verified by the U.S. Department of Veteran Affairs or your physician, you could qualify for this program. These include physical and/or mental impairments that have persisted for 60 months or more, are expected to continue for that length of time, or may ultimately result in death.
By getting approved for a TPD Discharge, you could have your debt erased immediately, without the accompanying repayment period of other types of forgiveness programs.
For more details on Obama Loan Forgiveness, speak with student loan specialist by phone at 800-771-6358 atv loan calculator
Obama Student Loan Forgiveness Program Student Loan .
In 2019, the Federally-funded Non Profit Student Loan Forgiveness Program remains widely accessible for employees of all 501(c)(3) organizations, as well as for others not traditionally considered “non profit” employees.
In fact, the Public Service Loan Forgiveness Program (PSLF) – which is the official name of the student loan debt forgiveness program for nonprofit workers – remains the absolute best Federal Student Loan Forgiveness Program on offer, as it provides complete loan forgiveness after making just 10 years of monthly payments, while also allows you to avoid paying taxes on the debt you have forgiven!
To receive loan forgiveness at the 10 year mark, all you need to do is work for a qualifying non profit organization – any 501(c)(3) will count – for at least 30 hours per week, and make your monthly student loan payments in-full, on-time, and under one of the excellent Income-Based Student Loan Repayment Plans.
While President Trump at one time proposed eliminating PSLF entirely, this proposal was shot down immediately, and I see no signs that the Non-Profit Forgiveness program will be removed at any point in the near future.
How Does Non Profit Loan Forgiveness Work
Those borrowers with excessive, unbearable levels of Federal student loan debt are going to have a significantly tougher time getting out from under it.
How Do I Actually Apply For Loan Forgiveness
I can finally offer advice on this topic, because the official Public Service Loan Forgiveness Application form has FINALLY gone live, and you can find it right here.
The form requires all sorts of information about your loans, your employment, your income, etc., and you’ll need to fill it out in full, and accurately, in order to be considered for receiving non-profit loan forgiveness benefits.
Make absolutely certain that you fill out each field completely, and accurately, because ANY MISTAKES could invalidate your eligibility to receive forgiveness benefits, and the worst part about the process is that it could take months to head back from the Department of Education on the status of your application, so you do NOT want to screw this up!
This is one of the only reasons why I recommend that my visitors hire a service like the Student Loan Relief Helpline to help them fill out all the certification documents and other paperwork… as making a mistake on these docs could mean waiting another several months or even years to get your loans wiped out, costing you a ton of money for a simple, stupid mistake!
If you want to make sure that you are doing everything correctly, then don’t be afraid to call the Student Loan Relief Helpline for assistance. You will have to pay for their service, but if the few hundred dollars you pay them ensures your paperwork is complete, and gets you access to tens of thousands of dollars in loan forgiveness benefits, then you’re really not wasting money, right
You can reach the Student Loan Relief Helpline by calling 1-888-906-3065.
Will I Owe Taxes on the Forgiven Debt
Unlike most other forms of student loan forgiveness, the Non-Profit Forgiveness benefits offered under PSLF are NOT taxable, and will NOT require you to claim the amount of debt you have forgiven as “taxable income” on your IRS returns, and that’s a big deal.
Why Because the forgiveness benefits that do lead to tax liabilities can end up costing people thousands or even tens of thousands of dollars.
How If you receive forgiveness of a $100,000 loan under a different forgiveness benefit plan, the IRS forces you to add that $100,000 of forgiveness to your tax return as income!
Which means that you’d be forced to pay taxes on that $100,000 which got forgiven, at the same rate you pay for regular income (for most Americans, that’s 25% – 35%), meaning you’d owe $25,000 – $35,000!
And unlike your monthly student loan payments, which are stretched out over time so that you only have to pay a small amount of money each month, IRS tax bills are due all at once, meaning you’d have to come up with that money in a single go.
That’s no easy task, and it’s why so many people end up in big trouble with the IRS.
Get Tax Help at Forget Tax Debt!
If you’re struggling with tax-related problems, I’ve got good news – my new site Forget Tax Debt was created specifically for you!
Like Forget Student Loan Debt, this new site offers information about dealing with IRS debt, covering topics like Getting Free Help Filing and Paying Back Taxes, applying for IRS Tax Debt Forgiveness Programs, Settling with the IRS, signing up for the IRS Fresh Start Program, and avoiding IRS Phone Scams.
Forget Tax Debt is new, but I’m building it out to be the best site on the web for tax-related problems, and like this site, I’m offering all my advice, information and resources entirely for free, so if you’re struggling with any sort of IRS issue, please be sure to visit Forget Tax Debt here.
What if I Have Other Student Loan Questions
This site was built to help people deal with their student debt, and I’ve created helpful, comprehensive Guides for just about any topic you can possibly imagine.
If you need Help with Federal Student Debt, you’ll want to check out pages on Federal Student Loan Forgiveness Benefits, Federal Student Loan Bankruptcy Discharges, Federal Student Loan Delinquencies, The Federal Student Loan Rehabilitation Program, and Federal Student Loan Wage Garnishments.
And if you need Help with Private Student Debt, you’ll want to check out my pages on Private Student Loan Forgiveness Programs, Private Student Loan Consolidation Options, Private Student Loan Bankruptcy Discharges and Private Student Loan Default Help.
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