Student Loan Forgiveness

If you have Federal Student Loans you may qualify for any of the student loan forgiveness programs that are available to borrowers. You may be eligible for principal reduction, loan forgiveness, or a complete loan discharge depending on your individual circumstance.

Income Based Payments

If you are suffering from a financial hardship, you may be eligible for an Income Based Payment. In this repayment program, you would have a payment based on your income and family size. The payment could be as low as $0.00 per month, with forgiveness at the end of 20-25 years.

Loan Consolidation Doc Prep

Loan consolidation will take all your federal student loans and combine them into one new loan. You will have only one lender, with one monthly payment. In this consolidation you are able to choose a payment plan that’s affordable to you. By consolidating you also may become eligible for loan forgiveness.

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Here’s what our clients had to say.

I feel like my life has been saved. Without NSA Care, I would be paying interest only for the rest of my life, now my loans will be forgiven after 120 months, a HUGE thank you to NSA Care and Riley for educating me and making this process painless, YOU’RE THE BEST!.

 – Tom Hastings

I contacted national student aid care thru a friend who had referred me !! I was very apprehensive after I had already tried to consolidate my student loans directly and was denied even though i was qualified. They got my loans completely forgiven 30k in debt !!! I am a happy camper !!

 – Stephany C.

I was very worried and concerned with my student loans. It’s a very overwhelming feeling when you feel like you’re in a deep hole. They helped me from the get go putting my worries at ease. It is such a relief to know that my loans are consolidated and there is a light at the end of the tunnel. Thanks again!

 – Melissa J.

A big thank you to national student aide for the willingness to help consolidate my student loans which have brought me nothing but heartache over the past few years. I’ve had only failure and pain from other businesses so thanks again gus

 – Troy P.

I was about to fall behind on my obligations because I truly couldn’t afford to pay everything plus these student loans with the job I currently have, so I took a leap of faith and National Student Aid Center came through like an angel from the sky and helped me with the documents to get in a lower repayment program that fit within my budget, thank you so much NSA Care.

 – Ruben Guttierrez

I spoke with National Student Aid Center and everything came out exactly as they estimated. Thank you for following through on your word, not many people are bound to their word nowadays. Thanks.

 – Jerry Bischoff

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Frequently Asked Questions

In 2007, Congress created the Public Service Loan Forgiveness Program to encourage individuals to enter and continue to work full time in public service jobs. Under this program, you may qualify for forgiveness of the remaining balance due on your eligible federal student loans after you have made 120 payments on those loans under certain repayment plans while employed full time by certain public service employers. Since you must make 120 monthly payments on your eligible federal student loans after October 1, 2007 before you qualify for the loan forgiveness, the first cancellations of loan balances will not be granted until October 2017.
Any non-defaulted loan made under the William D. Ford Federal Direct Loan Program (Direct Loan Program) is eligible for loan forgiveness. (See below for information on how non-Direct Loans may be eligible.) The Direct Loan Program includes the following loans:
Federal Direct Stafford/Ford Loans (Direct Subsidized Loans)
Federal Direct Unsubsidized Stafford/Ford Loans (Direct Unsubsidized Loans)
Federal Direct PLUS Loans (Direct PLUS Loans)—for parents and graduate or professional students Federal Direct Consolidation Loans (Direct Consolidation Loans)
Carefully consider whether loan consolidation is the best option for you. Loan consolidation can greatly simplify loan repayment by centralizing your loans to one bill and can lower monthly payments by giving you up to 30 years to repay your loans. You might also have access to alternative repayment plans you would not have had before, and you’ll be able to switch your variable interest rate loans to a fixed interest rate.
Most federal student loans, including the following, are eligible for consolidation.

Direct Subsidized Loans
Direct Unsubsidized Loans
Subsidized Federal Stafford Loans
Unsubsidized Federal Stafford Loans
Direct PLUS Loans
PLUS loans from the Federal Family Education Loan (FFEL) Program
Supplemental Loans for Students (SLS)
Federal Perkins Loans
Federal Nursing Loans
Health Education Assistance Loans
some existing consolidation loans

Income-Based Repayment (IBR) is a repayment plan for the major types of federal student loans that caps your required monthly payment at an amount intended to be affordable based on your income and family size.
All Stafford, PLUS, and Consolidation Loans made under either the Direct Loan or FFEL Program are eligible for repayment under IBR, EXCEPT loans that are currently in default, parent PLUS Loans (PLUS Loans that were made to parent borrowers), or Consolidation Loans that repaid parent PLUS Loans. The loans can be new or old, and for any type of education (under-graduate, graduate, professional, job training).
You may enter IBR if your federal student loan debt is high relative to your income and family size.
PAY AS YOU EARN: Under IBR, your monthly payment amount will be less than the amount you would be required to pay under a 10-year standard repayment plan, and may be less than under other repayment plans. Although lower monthly payments may be of great benefit to a borrower, these lower payments may result in a longer repayment period and additional accrued interest.
INTEREST PAYMENT BENEFIT: If you’re monthly IBR payment amount does not cover the interest that accrues on your loans each month, the government will pay your unpaid accrued interest on your Subsidized Stafford Loans (either Direct Loan or FFEL) for up to three consecutive years from the date you began repaying your loans under IBR.