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Student Loan Debt Forgiveness and Relief Programs are Available. Student loan relief allows students to stop paying on their federal student loans after a certain number of years, getting loan forgiveness. But to qualify for loan forgiveness, students need to consolidate, get on an income-driven repayment plan and recertify every year until eligible for loan forgiveness. Students can complete this process on their own or apply for student loan assistance through Golden Financial Services.

Students can qualify for student loan debt forgiveness after either;

A) consolidating and making a certain number of qualified payments on an income-driven repayment plan

B) After 10-years of making qualified payments under the Public Service Loan Forgiveness (PSLF) Program for teachers, police officers and anyone working in a public service job

The portion of your student loan debt that is forgiven — does not have to be paid.

To learn more about PSLF and for instructions on how to get approved for an income-driven repayment plan visit this page next (or continue reading).

Call (866) 376-9846 for student loan relief assistance. Our counselors can help process your consolidation on your behalf, get you on the lowest monthly payment through an income-based repayment plan, and follow up every year recertifying your plan until eligible for loan forgiveness.

Has your income recently been reduced?

Can you barely afford to pay your student loan monthly payments?

We have great news!

Federal and private student loan relief options are available.

For private student loan relief information visit this page next.

Private student loan relief is also included with a debt validation program.

For federal student loan relief and forgiveness information continue reading this page here. To learn about COVID-19 student loan relief options and payment suspension – click here. If you have credit card debt, learn your options by visiting this page next. 

How to get student loan forgiveness

Almost any student can qualify for student loan forgiveness.

You don’t have to work in a public service job.

If you work in a public service job, you can have your loan balance forgiven in a shorter time-frame, but anyone can get student loan forgiveness.

Step 1

Consolidate your federal student loans.

Get a student loan forgiveness quote.

Here is an example of what it looks like — after getting your student loans consolidated.

Here is an example of a student loan consolidation that was approved.

Notice the disclosure at the bottom of the letter where it says “Working in Public Service?”.

As you can see, after accomplishing “step one” — which is consolidating; — Now it’s time to take your second step for anyone working in a public service job. If you work in a public service job you must register here — proving that you are working in a public service job. If you don’t have a public service job, you don’t have to worry about verifying your employment.

If you would like assistance with consolidating your student loans — Call Golden Financial Services at 1-866-376-9846 


Golden Financial Services is AFSLR Certified and Accredited to help students achieve student loan relief.
Golden Financial Services is Certified with the Association for Student Loan Relief (AFSLR).

Step 2 

After consolidating — You then need to get on the right repayment plan, that offers forgiveness options. Your goal should be to get on the repayment plan that offers you the lowest monthly payment and the highest amount of loan forgiveness.

This client at Golden Financial Services qualified for a zero-dollar per month payment.
This client at Golden Financial Services qualified for a zero-dollar per month payment.

There are approximately nine student loan repayment plans available through the federal government.

Example illustrating student loan forgiveness options

Examples illustrating student loan forgiveness
NOTICE: The PAYE and IBR plans offer more than $90,000 in student loan forgiveness and these plans also offer the lowest monthly payment.

Example of what these programs mean; — Let’s look at the Pay As You Earn (PAYE) — which is one of the most popular student loan repayment plans.

If you get approved for the PAYE plan, you would have to make 240 payments of $65.92. After your 240th payment, your remaining balance would then be forgiven — meaning, you don’t have to pay it!

Every year you have to prove your income. If your income goes up, you will need to select a new plan, that will result in a higher payment.


If you forget to recertify or incorrectly fill-out the application — you can quickly get kicked out of the program and lose your loan forgiveness.

You can see some of the options; such as the standard student loan repayment plan — doesn’t offer any student loan forgiveness.

Only the income-based student loan relief programs offer student loan forgiveness.

For Student Loan Relief Assistance CALL TOLL-FREE 1-866-376-9846

Student Loan Forgiveness Public Service (AKA: The Public Service Loan Forgiveness (PSLF Program)

If you work over 30 hours per week in a “public service job,” such as teacher’s do, you can have your loan balance forgiven after only 120-qualified payments. For everyone else, you must wait 20-25 years. However, soon, this could change. During the Trump Administration, new legislation is being discussed that could offer loan forgiveness for everyone in only fifteen years.

The most significant mistake students’ make is that they forget to fill out this form validating that they have a full-time public service job.

Step 1.

Your first step is to consolidate your federal student loans into one student loan.

Step 2.

Get approved for a repayment plan that fits your budget.

Step 3

Fill this form out, and do so each year for the next 10-years to guarantee you get loan forgiveness after only 120 payments.

WARNING: Thousands of qualified consumers won’t be getting student loan forgiveness on the public service program because they forgot to fill out that form each year!

What jobs qualify as a public service job?

Public service jobs include:

  • If you work for the government at a state, local or federal level.
  • If you work for a 501(c)(3) non-profit company.
  • Ask your employer!

Examples of public service jobs include:

  • Teacher
  • Americorps or Peace Corps Volunteer

Private Student Loan Forgiveness

Private student loans are funded by a bank or private lending institution, and therefore, private student loan forgiveness is not something offered through the government.


Private student loans CAN BE reduced and settled in a debt relief program. Learn how debt relief programs work by visiting this page next. 


For Private Student Loan Relief Assistance Call TOLL-FREE (866) 376-9846.


Obama Student Loan Forgiveness Act of 2016

Let’s backtrack for a moment, and look back to 2016.

The Obama Student Loan Forgiveness Act of 2016 is another name for the William D. Ford Direct Loan Program. This William D. Ford Direct Loan Program (FDLP & FDSLP) is what enables students’ to consolidate federal student loans — with a low-interest loan. The William D. Ford Act was passed right after the passage of the Health Care and Education Reconciliation Act of 2010.


Student Loan Forgiveness for Teachers

Let’s use this same image again.

Examples illustrating student loan forgiveness

Look at the column labeled “Months in Repayment.” Notice that it says — after 240 payments on the Pay As You Earn and Income-Based Repayment Plan is when a student can qualify for student loan forgiveness.


Again, to qualify for PSLF you must prove you work full-time in public service (over 30 hours per week) at the time you sign up, and you must verify your employment every year for ten years.


To play it safe, we recommend you submit this form every year.

Trump Student Loan Forgiveness

As of 2017, there is no such thing as the Trump Student Loan Forgiveness Program. Lots of people call Golden Financial Services, asking about this type of program, but it does not exist.

Laws could change now that Donald Trump is President, so we recommend you take action quickly and consolidate your student loans as soon as possible. Get on a repayment plan that potentially can give you the most significant amount of student loan forgiveness.

What to do if you are behind on student loan payments

Student loans are the one type of unsecured debt where the creditor can garnish your wages without first having to take you to court.

Don’t be late, and if you are new – take immediate action towards resolving your student loans.

The good news is–You can quickly resolve the balance owed and consolidate your loans.

Step 1

Request 90 days forbearance from your student loan servicers — giving you enough time to consolidate.


The forbearance will put your balance to zero, but interest will continue accruing each month — which is why we recommend only requesting 90 days worth of forbearance.

Step 2

Consolidate your loans. Visit StudentLoans.Gov to consolidate on your own, or contact Golden Financial Services for a free debt relief quote at 1-866-376-9846.

Step 3

Get on a repayment plan that offers you the lowest monthly payment and the most student loan forgiveness. APPLY ONLINE

Student Loan Debt Relief & Forgiveness Disclosures:

Not all states have the same rules and regulations and programs vary from state to state. For example, learn about the new debt relief programs in Alabama. 

Student loan relief programs do come with fees.

Golden Financial Services is not the government or affiliated with the government.

Students’ must make all of their qualified payments before being eligible for student loan forgiveness.


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