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Ready for financial freedom? We will help!
We’ll provide you with a repayment plan today and help figure how to lower interest rates, lower monthly payments, and find forgiveness.
Refinancing
Loan consolidation will take all your federal loans and combine them into one new loan. You will have only one (or two) loans with one lender.
Lower Payments
If you are suffering from a financial hardship, you may be eligible for an Income Based Payment plan depending on your situation.
Forgiveness
The terms forgiveness, cancellation, and discharge mean nearly the same thing. There are a few different programs you may be eligible for.
Three Simple Steps to Get Started
Organize
We locate and organize all of your student loans into one easy-to-review personalized snapshot of your options. Less mess means less stress.
Qualify
Your documents will be analyzed and submitted to one of our processor professionals in order to make sure you qualify for the best suited program.
File
We will do all the heavy lifting for you by filing the proper documents. We will follow up with a detailed report of the program results.
Programs Tailored For Your Needs
Repayment Plan Options under the Department of Education’s guidelines and programs
Standard Repayment Plan
Payments are a fixed amount that ensures your loans are paid off within 10 years (within 10 to 30 years for Consolidation Loans). (within 10 to 30 years for Consolidation Loans). All borrowers are eligible for this plan. You’ll usually pay less over time than under other plans.
Graduated Payment Plan
Payments are lower at first and then increase, usually every two years, and are for an amount that will ensure your loans are paid off within 10 years (within 10 to 30 years for Consolidation Loans). All borrowers are eligible for this plan.
Income Contingent program
Payments are recalculated each year and are based on your updated income, family size, and the total amount of your Direct Loans. Any outstanding balance will be forgiven if you haven't repaid your loan in full after 25 years.
Income Based Repayment Plan
Your monthly payments will be either 10 or 15 percent of discretionary income (depending on when you received your first loans), but never more than you would have paid under the 10-year Standard Repayment Plan. You may have to pay income tax on any amount that is forgiven.
Pay As You Earn
Your monthly payments will be 10 percent of discretionary income, but never more than you would have paid under the 10-year Standard Repayment Plan. Payments are recalculated each year and are based on your updated income and family size.
Income Sensitive Repayment Plan
Your monthly payment is based on annual income, but your loan will be paid in full within 15 years. You’ll pay more over time than under the 10-year
*Verified Docu Service is a document preparation service and will assemble the necessary documents for you to submit them directly to your lender and the Department of Education.
We Are Here To Help
Many borrowers feel overwhelmed by their student loan debt. Though many options exist for student loans, finding the best option for debt relief can be complicated.
The program you qualify for is dependent on many variables; including your occupation, income and family size, as well as the current status and balance of your loans. Researching options, completing paperwork and maintaining contact with the Department of Education is time consuming. You may feel frustrated by the complexity of student loan and wish you had a team of professionals on your side.
Frequently asked questions.
Have a question? You can find the answers for the most common questions asked by our customers.
The PSLF program is a federal program that forgives up to 100% of your federal student loan debt if you work in a qualifying public service job. The program was created in 2007, as a way to help people in lower-paying government jobs to able to manage their student loan debt.
The following types of loans qualify:
- Direct Subsidized / Unsubsidized
- Direct Consolidated Loans
- Direct PLUS
- Direct Stafford Subsidized / Unsubsidized
Private loans do not qualify.
Fortunately, there is a way to convert your federal loans into Direct Loans so that they can qualify under PSLF. The Direct Loan Consolidation program works by taking all of your federal student loans and consolidating them into one new Direct Loan.
If you do not have Direct Loans but want to apply for Public Service Loan Forgiveness, you will need to consolidate your loans in this way. Consolidating your federal student loans is free if you apply on your own online at StudentLoans.gov or via paper application, or you can hire a private company to help you through the process.
Currently, there is no maximum amount that can be forgiven under PSLF.
No. Any amount forgiven under PSLF is not considered taxable income, making PSLF very different from income-driven repayment plans without PSLF.
Yes. You must make 120 qualified payments for PSLF to work, but they do not have to be made consecutively. For that reason, it will take at least 10 years to qualify for PSLF, but it could take longer.
Contact us
Get your documents verified today!
info@verifieddocuservice.org
Phone
(877) 276-4684
Fax
(866) 276-5120
Mon - Fri, 9am - 5pm
Office
17875 Von Karman Ave,
Suite 150
Irvine, CA 92614
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