Welcome to Debt Free Students
We are Student Loan Forgiveness Program experts and we have one goal:
to help you successfully apply for, qualify for and enroll in available forgiveness programs.
You may be eligible for principal reduction or a complete loan discharge (forgiveness) depending on your particular circumstance. If you have Federal Student Loans you may qualify for student loan forgiveness programs that are available to borrowers.
Loan Consolidation allows you to combine one or more federal education loans into a single loan. There could be benefits to consolidating; nonetheless, it’s not right for everyone. We highly recommend knowing all of the facts before making a decision to consolidate your loans.
Income based repayment is right for you if you have little to no income, mounds of student loan debt, or you’re stressed about the affordability of your monthly payments.
More than 40 million student borrowers owe roughly $1.5 trillion in student loan debt in 2017. Many of them could streamline the repayment process by consolidating their student loans.
Loan consolidation for student loans was created to make it easier for millions of borrowers to pay off their student loans. Many people with student loans deal with 8-12 different loans which means 8-12 lenders, payments AND 8-12 due dates every month. The Direct Consolidation Loan program may be the right choice if your goal is to simplify the process and keep your options open for the many repayment plans available for federal loans.
Consolidation allows you to more effectively manage your student loan debt.
When you consolidate federal or private student loans, it’s one payment to one lender, once-a-month. Simple.
We believe that conducting business in a professional, respectful, and timely matter is the cornerstone of success. We assist clients in understanding their Student Loan repayment options while offering document preparation and filing services for loan Consolidation.
Who We Are and What We Do
DEBT FREE STUDENTS CENTER is a document preparation service company and provides assistance to consumers who wish to apply for federal student loan programs using Department of Education (“DOE”) forms. The Company does not provide any legal advice and is not a law firm and is also not a lender or debt consolidation company. The Company is a private for profit company, and is NOT affiliated with any government department or agency, is NOT the Department of Education and is not registered, certified or otherwise connected to DOE, and offers fee based services which will assist in document preparation, assembly and completion of student loan consolidation and/or other application documents for student loan debt assistance programs offered by the Department of Education, which are delivered to Client for review and submission to the Department of Education.
DEBT FREE STUDENTS CENTER
Exclusively engages in the business of document preparation on behalf of and at the request of clients related to request for qualification application and program application document preparation of Department Of Education forms for client submission, or submission on clients behalf to DOE for possible approval and enrollment into DOE available student loan consolidation/s and repayment plans. Debt Free Students Center is a private company and is NOT affiliated with the Department of Education or any other government organization.
Debt Free Students Center is NOT the Department of Education and is not registered, certified or otherwise connected to the Department of Education.
Teacher Loan Forgiveness
Another option is through Teacher Loan Forgiveness. If you are a highly qualified teacher in a qualifying Public school district you will be eligible to qualify for forgiveness. While there is a limit to the amount of Teacher Forgiveness, a significant benefit is that it is available in as little as 5 years. If an individual has a higher loan balance than is allowed to be forgiven, they may also be able to then apply for Public Service Forgiveness whereby the remaining balance may be discharged at then end of 10 years.
Individuals may qualify for Public Service Forgiveness if they are employed by a qualifying employer. If so, forgiveness is accelerated by as much as 15 years offering a huge by eliminating loans tax free. This program clearly offers the most economic advantage. Keep in mind, it doesn’t matter what your job is, it only matters what organization pays you.
Applicants may be eligible for Total and Permanent Disability on Federal Student loans they are not able to sustain gainful employment on an ongoing basis. Keep in mind that this must be a total disability as certified by a physician. This certification may be required over an extended period of time, by multiple physicians, before the Government will accept your application and discharge the loans. We have heard from clients that while this process is available, it may also be difficult and time consuming to accomplish.