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Below, I’ll go through each available Forgiveness and Discharge program in detail, so prepare for heavy reading, because you’ll need to get into specifics to determine which program will work best for you.

If you have questions about anything I’ve covered on this page, feel free to leave a Comment and I’ll do my best to get back to you in 24 hours!

There are two main types of Forgiveness benefits available for borrowers with Federal student loans, including the traditional “Forgiveness” programs, and the more modern “Discharge” programs.

The difference between them is that Forgiveness programs typically take a longer time to qualify for, whereas Discharge programs let you get rid of your loans in an instant.

If you do decide to get help, let me offer a quick word of advice: call the Student Loan Relief Helpline, because they’re staffed by actual debt relief experts who can quickly review your situation, then make a recommendation on what you need to do to get rid of your loans as cheaply as possible.

Your first call to the Helpline is free, and you’ll only ever be charged anything if you agree to let them help with the research, paperwork and applications process, so all you’ve got to lose is a few minutes of your time.

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