Loan Forgiveness

Beyond PSLF, multiple federal forgiveness programs can eliminate part or all of your student loan debt. We analyze your eligibility across every available program and guide you through the process.

• IDR forgiveness, Borrower Defense, TPD, and closed school discharge
• Current policy updates, limited waivers, and new relief programs
• Full financial picture — what you pay, what gets forgiven, and the timeline

Income-driven repayment forgiveness is available to any borrower who makes payments for 20 or 25 years under an IDR plan, regardless of employer type. After the repayment period, the remaining balance is forgiven. While this has historically been treated as taxable income, the American Rescue Plan Act made student loan forgiveness tax-free through 2025, and many states have followed suit. Beyond IDR forgiveness, Borrower Defense to Repayment allows borrowers to seek discharge if their school engaged in fraud or misrepresentation. Total and Permanent Disability (TPD) discharge is available for borrowers who can no longer work due to a qualifying disability, and closed school discharge applies when a school closes while you're enrolled or shortly after you withdraw.

The forgiveness landscape changes frequently as the Department of Education issues new regulations, waivers, and one-time adjustment programs. Hope Credit stays on top of these developments so our clients don't miss limited-time opportunities. We've helped clients take advantage of the IDR account adjustment, the PSLF waiver, and other relief programs that have provided billions in forgiveness to borrowers who were previously stuck. Our team evaluates your complete loan portfolio and employment history to identify every forgiveness pathway you may qualify for, then builds a plan to get you there as quickly as possible.