S T U D E N T D E B T M O D I F I C A T I O N S

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Welcome to Student Debt Modification

Are you finding it challenging to manage your educational debt?

Let us handle the complicated stuff!

What you should know about student loan forgiveness

Key Considerations for Student Loan Forgiveness

Student loan forgiveness programs have varying eligibility criteria, including specific loan types and profession-related requirements

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Federal student loan repayment options

Various student loan forgiveness programs encompass options such as Public Service Loan Forgiveness (PSLF), Teacher Loan Forgiveness, Perkins Loan Cancellation, Income-Driven Repayment Plans Forgiveness, and Closed School Discharge.

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The process for applying for student loan forgiveness.:

Student loan forgiveness application process differs depending on the program, and it may evolve over time, with eligibility requirements subject to change.

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Public Service Loan Forgiveness
100%
Teachers Loan Forgiveness
100%
Student Loan Discharge
60%

About Us

Student Loan Document Preparation Services

Student Debt Modifications was established in August 2010 with the primary objective of aiding student loan borrowers. We offer information, problem-solving, and document preparation services, always committed to being supportive, informative, and courteous. Our dedication to continuous improvement is driven by user interaction and feedback.

Borrower Defense to Repayment
65%

SERVICES

Public Service Loan Forgiveness Document Preparation

We handle the preparation of your PSLF documents and streamline the process, effectively navigating any red tape or obstacles you might face. Our goal is to ensure you get it right the first time.

Borrower Defense to Repayment Document Preparation

We manage the preparation of your borrowers defense documents, ensuring your complete your application according the department of education guidelines Our expertise streamlines the process, efficiently addressing any bureaucratic hurdles or challenges. Our commitment is to help you achieve accuracy from the outset.

Teacher Loan Forgiveness Document Preparation

We handle the preparation of your teacher loan forgiveness documents and streamline the process, effectively navigating any red tape or obstacles you might face. Our goal is to ensure you get it right the first time.

Closed School Discharge Document Preparation

We manage the preparation of your closed school documents, and assist you with obtaining you your lost school transcrpts ensuring your complete your application according the department of education guidelines Our expertise streamlines the process, efficiently addressing any bureaucratic hurdles or challenges. Our commitment is to help you achieve accuracy from the outset.

Income-Driven Repayment Forgiveness Doc Preparation

We manage the preparation of your income-driven repayment documents, ensuring your payment amount aligns with your financial situation. Our expertise streamlines the process, efficiently addressing any bureaucratic hurdles or challenges. Our commitment is to help you achieve accuracy from the outset.

Student Loan Rehabilitation Document Preparation

We oversee the preparation of your student loan rehabilitation documents, ensuring you secure an affordable rehabilitation payment tailored to your allowable discretionary income. Our assistance also helps you safeguard your essential family funds in adherence to all Department of Education guidelines, preventing undue financial strain.

OUR FAQ

Frequently Asked Any 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.

We take pride in delivering exceptional customer service that sets the standard.

ARE STRUGGLING WITH YOUR STUDENT LOAN PAYMENTS?

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Consultation

(424) 274-7689

Recent Article

Stay Update With Student Loan Forgiveness News

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