Take Control of Your Student Debt
Managing student loans can be overwhelming, but you’re not alone. At Student Debt Modifications, we’re here to simplify the process and guide you toward financial freedom.
Why Choose Us?
Since 2010, we’ve been a trusted partner for borrowers seeking real solutions to student debt. Our mission is to help you take control of your financial future with expert guidance and a personalized approach.
Whether you're exploring loan forgiveness programs or searching for the best repayment plan, our knowledgeable team is here to walk you through every step. We break down complex options into clear, manageable steps tailored to your unique circumstances so you can move forward with clarity and confidence.
We make navigating student debt less stressful and far more effective.
How We Help
At Student Debt Modifications, we take the guesswork out of federal student loan relief. Our team specializes in document preparation and submission for a variety of U.S. Department of Education programs—helping you access the forgiveness, discharge, or repayment support you may qualify for.
We handle the details—gathering required documents, checking for eligibility, and ensuring your application meets all federal guidelines.
Whether you're a teacher, public service worker, or a borrower affected by school closures, we streamline the process so you can take the next step with clarity and confidence.
The Process for Applying for Student Loan Forgiveness
Applying for student loan forgiveness involves several key steps, but with the right guidance, it’s manageable. First, we help you determine if you qualify for programs like Public Service Loan Forgiveness (PSLF) or Teacher Loan Forgiveness. We review your loan types and employment history to ensure you meet the criteria and monitor your progress, to ensure you remain compliant with program rules, and address any issues that may arise. Throughout the process, we provide you with clear updates and support, helping you stay on track toward loan forgiveness.
OUR SERVICES
Borrower Defense to Repayment
Closed School
Discharge
Income-Driven Repayment Forgiveness
Student Loan default/Stop Wage Garnishment
Frequently Asked Questions
No. According to the Internal Revenue Service (IRS), student loan amounts forgiven under PSLF aren’t considered income for tax purposes. For more information, check with the IRS or a tax advisor.
There is no income requirement to qualify for PSLF. However, since your required monthly payment amount under most of the qualifying PSLF repayment plans is based on your income, your income level over the course of your public service employment might be a factor in determining whether you have a remaining loan balance to be forgiven after making 120 qualifying payments.
We can’t make any guarantees about the future availability of PSLF. The PSLF Program was created by Congress, and Congress could change or end the PSLF Program.
Any U.S. federal, state, local, or tribal government agency is considered a government employer for the PSLF Program. This includes employers such as the U.S. military, public elementary and secondary schools, public colleges and universities, public child and family service agencies, and special governmental districts (including entities such as public transportation, water, bridge district, or housing authorities).
A government contractor isn’t considered a government employer.
The Borrower Defense to Repayment Rule (BD Rule) offers students relief from federal loans borrowed based on fraudulent, misleading or illegal acts by their schools. Borrower defense is an established legal right for many forms of consumer credit, and it has been a part of the Higher Education Act for many years.
The Borrower Defense to Repayment Rule (BD Rule) offers students relief from federal loans borrowed based on fraudulent, misleading or illegal acts by their schools. Borrower defense is an established legal right for many forms of consumer credit, and it has been a part of the Higher Education Act for many years.
You can have your student loans forgiven if you're totally and permanently disabled, meaning unable to earn an income because of a medical or mental impairment that has lasted for at least five years or is expected to result in death.
You can go to studentaid.gov and use your FSA login information to find out. That's where the Department of Education publicly has all of the information about your account, including how much time they have you as being in forbearances versus in repayment.
Cardona class-action lawsuit claimed that millions of students borrowed federal student loans to attend one of more than 150 majority for-profit colleges, including ITT Technical Institute, Corinthian Colleges, the Art Institutes, Salter College and Brooks Institute of Photography.
The proposed settlement sets out procedures for resolving the borrower defense applications of everyone who had an application pending as of June 22, 2022. In short, class members who took out loans for attendance at certain schools will automatically receive loan discharge, refunds, and credit report adjustments.
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