- +1(888) 552-3489
- 500 N Rainbow Blvd Suite 300, Las Vegas, NV 89107
- info@studentloanforgivenesscentre.com
We help borrowers navigate federal student loan repayment programs. From consolidation to income-driven plans, our experts guide you to the best solutions for your financial situation.
Most federal loans, including Stafford, Perkins, Direct Plus, and Supplemental loans, can be consolidated. Consolidation allows you to:
Combine multiple loans into one payment
Get a fixed interest rate (never more than 8.25%)
Extend repayment time if needed
No stellar credit score is required, making it accessible for most borrowers.
A simple plan with fixed monthly payments over 10 years.
Lower total interest paid
Automatically the default plan unless you choose another
Best overall deal if you can afford monthly payments
Spread your payments over a longer period to reduce monthly amounts.
Helps if you owe more than $30,000
Lower monthly payments but higher total interest
Useful if other income-based plans don’t qualify
Start with lower payments that gradually increase over 2–4 years.
Ideal if you expect income growth
Monthly payments increase gradually
Total interest may be higher than standard repayment
Your monthly payment is calculated based on income and family size.
Payments capped at 15% of discretionary income
After 25 years and 300 qualifying payments, remaining balance may be forgiven (taxable)
Designed for borrowers experiencing partial financial hardship
Similar to IBR, but with lower payments and quicker forgiveness.
Payments capped at 10% of discretionary income
Forgiveness after 20 years
Only for Direct Loan borrowers meeting eligibility dates
Monthly payments are based on income, family size, and total Direct Loan debt.
Designed for Direct Loan borrowers
Payments adjust with income and family circumstances
Forgiveness possible after 25 years of qualifying payments (taxable)
Monthly payments are based on income, family size, and total Direct Loan debt.
Designed for Direct Loan borrowers
Payments adjust with income and family circumstances
Forgiveness possible after 25 years of qualifying payments (taxable)
We help borrowers take control of their student loans. From finding eligible programs to handling paperwork and securing forgiveness, our team is here to make the process simple, stress-free, and effective for every client.