There are 43.4 million people that owe a total of over $1.6 trillion in student loan debt, according to NerdWallet. As of 2020, the average owed per student is $29,927. That is a huge amount to owe when someone is just graduating from college, trying to find a job in their field, and having to pay for living expenses. The good news, however, is that there are 16 federal student loan relief programs available to help. Some include debt forgiveness and the lowering of monthly payments.

The challenge is to find where you can learn about all these programs and choose which one is right for you. We have found a simple to use tool which shows all the student loan relief options available to you. It even has a calculator so you can enter your loan amount. It will then give the options best suited for you.

What Student Loan Relief Programs Can Do

  • Lower your monthly payments
  • You may be eligible to enroll in a plan with student loan debt forgiveness benefits
  • There are programs available to move a loan out of default status
  • Halt wage garnishments
  • Improve your credit scores

This is a very simple self-guided program that you can use from the comfort and privacy of your own home. You can explore all your student loan debt options for a one-time set-up fee of $129.00 and just $19.00 a month.

“The student loan servicing company never explained that I had to re-certify my program every year. I kept making the payments but didn’t know that without re-certifying, the payment wasn’t the correct amount. I now have things back on track and my credit score is improving.” NF- Jacksonville, FL

“I haven’t been able to afford my $550 monthly payment. When I called the loan company, they said I needed to pay $4500 to get the loan out of default. With the right application, and in a month, I’ll be out of default. And, I didn’t even have to pay that $4500!” SE- Atlanta, GA

"I didn't think that I could ever retire. We took loans to help my daughter thru nursing school. I didn't know that there were flexible plans, and I feel so much better now that my payments will decrease when I retire, and my income goes down" SB- Charlotte, NC