Student Loan Help,
finally explained clearly.
Student loan law is one of the most complex and rapidly changing areas of federal law. Our AI Legal Nerds help you understand every repayment option, forgiveness program, and discharge opportunity available for your specific loans.
Student Loan Relief Options
Most borrowers are unaware of the full range of options available to them. Our AI analyzes your specific loan types, employer, income, and situation to identify every program you qualify for.
Income-Driven Repayment
IDR plans — SAVE, PAYE, IBR, and ICR — cap your monthly payment at a percentage of your discretionary income. After 20-25 years of payments, remaining balances are forgiven. Our AI calculates your payment under every plan.
Public Service Loan Forgiveness
Work for a qualifying government or nonprofit employer for 10 years while making 120 qualifying payments — and your remaining federal loan balance is forgiven tax-free. Our AI verifies your employer qualifies and audits your payment count.
Borrower Defense to Repayment
If your school misled you about job placement rates, program quality, or other material facts — you may be entitled to full discharge of your federal loans. Our AI evaluates your school's history and helps you file a strong claim.
Total and Permanent Disability Discharge
If you are totally and permanently disabled, your federal student loans can be discharged entirely. Our AI guides you through the TPD discharge application and the required documentation from your physician or the VA.
Closed School Discharge
If your school closed while you were enrolled or within 120 days of withdrawal, you may qualify for a full discharge of loans from that period. Our AI checks if your school qualifies and helps you apply.
Bankruptcy Discharge
While traditionally difficult, recent DOJ guidance makes it easier to discharge student loans in bankruptcy by demonstrating "undue hardship." Our AI analyzes whether you meet the new standard and how to present the strongest case.
Federal vs Private Student Loans
Federal Student Loans
- ✓Income-driven repayment plans available
- ✓Public Service Loan Forgiveness eligible
- ✓Deferment and forbearance options
- ✓Borrower defense discharge available
- ✓Death and disability discharge available
- ✓No prepayment penalties
Most relief programs only apply to federal loans
Private Student Loans
- ✓No federal forgiveness programs available
- ✓Repayment terms set by the lender
- ✓Refinancing may lower your interest rate
- ✓Negotiation with lender may be possible
- ✓Bankruptcy discharge possible but difficult
- ✓State consumer protection laws may apply
Options are more limited — lender negotiation is key
The Student Loan Crisis by the Numbers
You have more options than you know
Most borrowers are leaving money on the table by not using every program available to them. Get expert AI guidance on your specific loans and situation.