Receive a Lower Monthly Payment or Forgiveness Option

Discover student loan solutions for a lighter financial load.

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Learn more about your options

Student Loan Discharge Options will help you identify any potential discharge or forgiveness options available & work to regulate your program payments for your best benefit.

Qualifying Employment

Loan forgiveness doesn’t hinge on your specific job title, but rather who your employer is. Eligible Organizations:

Government organizations at any level (federal, state, local, or tribal)

Not-for-profit organizations that are tax-exempt under Section 501(c)(3) of the Internal Revenue Code

Other types of not-for-profit organizations that provide certain types of qualifying public services

Full Time Employment

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For loan forgiveness to apply to you, you should work full-time or at least 30 hours per week.

If you have more than one qualifying part-time job at the same time, you may meet the full-time employment requirements if you work a combined 30 hours/week.

Time spent on religious instruction, worship services or any form of proselytizing may not be counted toward meeting the full-time employment requirement.

Qualifying Loans

Any loan under the William D. Ford Federal Direct Loan (Direct Loan) Program qualifies.

If you don’t know which types of federal student loans you have, we can help you figure it out.

If you have federal loan payments due and you are not currently taking classes, you may request a federal loan benefit consultation by submitting the request form for a call back.

Testimonial

"Saved me about $80,000 bucks!!!"

"This program is awesome! I restructured my federal loans. They totaled $49,000. Through this program you must work 10 years at a non profit org. (Many hospitals are non-profit). After ten years the loan is forgiven. My original payment plan was $334/month for 25 years. With the restructuring, I pay $170/month for 10 years then I'm done. Saved me about $80,000 bucks!!!"

Caylin P. –Jan 17, 2017
Brooklyn, New York

Frequently Asked Questions

All program benefit calculations are based on your own individual factors (i.e. ages of federal loans, adjusted gross income, family size, etc.), however, the following are some common questions and answers related to program enrollment:

Program Benefits

Student Loan Discharge Options was founded to identify potential legislative benefits for federal loan borrowers and to restructure qualified loans through the Department of Education so borrowers may receive those benefits.

Learn More

If you are eligible and enroll in the program:

SLDO verifies borrower qualifications prior to program enrollment and guarantees federal processing completion. If a borrower is denied their intended restructuring benefit, the borrower will receive a full refund of all completed program payments.

During the restructuring process, we will contact your current servicing companies, on your behalf, to alleviate unnecessary loan payments, if applicable, estimate the repayment requirements under your potential benefit option, produce/finalize essential paperwork for plan registration and payment alterations, as well as research and direct borrowers to comply with all federal regulations for your respective debt resolution program.