Great info here. Hoping you can help me a bit. I have about $92,000 left in FFEL standard consolidation loan (consolidated 8/04) plus another roughly $120,000 in private student loans (college and medical school) and $50,000 of wife’s school loans. Interest rates aren’t bad, but if there is a path toward loan forgiveness it would make life much easier.
I had a 47,000 student loan from 1997. In 2008 I was a substitute teacher and was not able to get any kind of loan adjustments to save my home. I have since stayed with various relatives and today I received a letter from a debt collector stating that the loan has been turned over to them. The last time I moved I was able to get work as a substitute teacher again. School has just begun so I am not working yet. The letter says that I now owe almost 90,000. $40,000 has been added to my loan. What should I do and do I qualify for any kind of loan forgiveness. How is it different since, it has been turned over to a debt collector.
I am a mother of a child with a permanent disability. Do to my child needing my full care and attention, I could not finish school. I’m over $11,000 in debt with Mohela in student loans. Can my loans be forgiven, or discharged? I have been in a repayment plan that requires me to pay $0. Every year I have to renew it. I know I will not be able to make any payments anytime soon as I still care for my little one.
I was a teacher for almost 15 years at three different Title I schools which qualified me for the “service related” but I never took advantage of it because I was making good money. I decided to change jobs and to work for New York State in a juvenile detention center as a teacher, and I lost that job. I have been two years with out a job and no unemployment for the past year, so this doesn’t qualify me for the “service related” forgiveness plan. What should I do?
I went through a state-funded program for vocational rehabilitation. The state’s classified me with a disability but I chose to get rehabilitated rather than go on SSI. Here’s the two part question. Based on this info would I still qualify as disabled even though I don’t collect Ssi ? And second I noticed that the school that the state put me through charged me $27,000 for that six months of training I can’t seem to get proof that I wasn’t supposed to be Billed. I think there’s fraud here but I can’t seem to prove it is there anything I can do in either case?
The information provided on this page is updated as of 10/11/2019. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit, email us at, or call 888-601-2801 for more information on our student loan refinance product.

Public Service Loan Forgiveness. Public Service Loan Forgiveness is available to government and qualifying nonprofit employees with federal student loans. Eligible borrowers can have their remaining loan balance forgiven tax-free after making 120 qualifying loan payments. In order to benefit from PSLF, you’ll need to make payments while enrolled in an income-driven repayment plan. Otherwise, on a standard repayment plan, the loan would be paid off before you’re eligible to benefit from forgiveness.