Student Debt Forgiveness

 
Prevent or Stop wage garnishment!

 
Qualify for Lower Payments

 
Forgiveness Programs

 
Payment Deferment & Postponement

A Quick 5-Minute Call Can Save You $1,000's

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About Us

Debtcare Center was established to assist those who are struggling with their Federal Student Loans. There are programs available that allow borrowers monthly payment relief, loan forgiveness, loan management, payment deferment, and other help with their student loans. If you'd like to gain your financial freedom, contact us today for your free evaluation—you can email us any time, or call one of our student debt consultants. Find out what a financial freedom future can look like for you! Call 866-898-4678.

A Quick 5-Minute Call Can Save You $1,000's

Call Now 866-898-4678

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Should I Consolidate My Loan?

Loan consolidation can simplify your monthly payments by centralizing numerous loans into one. With larger loan balances it will allow students up to 30 years to repay the loan. The student can also choose to repay the loan under a new repayment plan, with a fixed interest rate. The fixed rate is based on the average interest rates of the loans being consolidated.

Student Loan Forgiveness From Repayment Plans

Repaying your loan under a new income driven repayment plan can qualify you for loan forgiveness if you’ve met qualifications set by the Department of Education, through the Obama Administration.

Income Based Repayment (IBR) Plan

When borrowers repay their loan under the IBR, and have met requirements, a balance remaining under the loan will be forgiven after 25 years of qualifying repayment. If the student is a full time employee for a public service organization, after 120 on-time, full monthly payments are made, the student may qualify for loan forgiveness on the remaining balance of their Direct Loan under the Public Service Loan Forgiveness Program.

Pay As You Earn (PAYE) Plan

When borrowers repay their loan under the PAYE, and have met requirements, a balance remaining under the loan will be forgiven after 20 years of qualifying repayment. If the borrower is a full time employee for a public service organization, after 120 on-time, full monthly payments are made, the student may qualify for loan forgiveness on the remaining balance of their Direct Loan under the Public Service Loan Forgiveness Program.

Income Contingent Repayment (ICR) Plan

The remaining loan amount after 25 years of payments will be forgiven.

A Quick 5-Minute Call Can Save You $1,000's

Call Now 866-898-4678

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Teacher Loan Forgiveness

Borrowers who have taught full-time for five complete and consecutive academic years in elementary, secondary schools and educational service agencies that serve families with low-income, and have met qualifications, may have their loan forgiven up to $17,500.

Public Service Loan Forgiveness

Borrowers may have their loan forgiven if they work full-time in public service jobs, and have made 120 qualifying payments. Payments must be made under a qualifying repayment plan. The remaining balance on the loan can be forgiven. Following are public service jobs that will qualify a borrower for a public service loan forgiveness:

  • Emergency management
  • Military service
  • Public safety
  • Law enforcement
  • Public interest law services
  • Early childhood education (including licensed or regulated health care, Head Start, and state-funded pre-kindergarten)
  • Public service for individuals with disabilities and the elderly
  • Public health (including nurses, nurse practitioners, nurses in a clinical setting, and full-time professionals engaged in health care practitioner occupations and health care support occupations)
  • Public education
  • Public library services
  • School library or other school-based services

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A Quick 5-Minute Call Can Save You $1,000's

Call Now 866-898-4678

Check Eligibility

Disclaimer: Debtcare Center is a private organization and is not affiliate with the Department of Education or any other loan servicing agency. Individual results may vary. By providing your contact information, you agree to receive return telephone calls, emails or other communications from Debtcare Center and/or its affiliates and expressly waive any “No Call” preference or registration. All decisions are subject to Department of Education (DOE) approval. Debtcare Center is a document preparation, submission and tracking service, our fee is only for the preparation, submission & tracking of your Federal Student Loan Consolidation documents.