Navigating federal student loan programs is confusing, but you don't have to do it alone. America's Student Debt Solutions connects you with partners who cut through the red tape. They don't just point you in the right direction; their experts handle the tedious paperwork, explain the complex rules, and do the heavy lifting from start to finish.
Our partners help turn overwhelming debt into one clear, manageable plan so you can get back to living your life.
Whether you are making payments but quietly drowning, or have fallen into default and fear wage garnishment, our partners offer a judgment-free place to start. They listen with empathy, validate your stress, and get to work on a concrete plan to protect your livelihood.
The student loan system can be impossible to navigate when you are already running on empty. Our partners help take on the stress and paperwork, guiding you through each step toward a more manageable path.
When you connect with one of our partners, you'll find a supportive, judgment-free team ready to listen. They'll dig into your situation, cut through the government jargon, and help identify which forgiveness programs you may qualify for.
A partner reviews your loan details to identify potential relief options.
They match your financial profile with repayment programs that may be available.
They handle the paperwork and guide you through the process.
Explore student loan relief programs that may help make repayment more manageable.
If you work for a government agency or qualifying nonprofit, you may be able to pursue forgiveness after 120 qualifying payments.
IDR plans base payments on your income, and any remaining balance may be forgiven after the applicable repayment period.
Full-time teachers in qualifying low-income schools may be eligible for specialized loan forgiveness programs.
A permanent disability or a school closure may qualify you to seek a full discharge of eligible student loan debt.
Get answers to common questions about your student loan options.
The SAVE plan is ending. If you're enrolled, your loan servicer will notify you and give you a window to choose a new repayment plan. If you don't choose, you may be moved into a plan with a higher monthly payment.
RAP is a new income-driven plan that launched July 1, 2026. Payments are based on your income and can be as low as $10 a month. Any remaining balance may be forgiven after 30 years of qualifying payments. Parent PLUS loans are not eligible.
Consolidating after July 1, 2026 may limit your repayment options to the new RAP or Tiered Standard plans, even for older loans. A lower monthly payment can also mean paying more interest over time. Review your current plan and options at StudentAid.gov before consolidating.
No. Federal Direct Consolidation Loans generally cover eligible federal student loans, not private loans. Private loans may be combined through refinancing with a private lender, but eligibility and rates depend on your credit, income, and other qualifications.
Depending on your situation, income-driven repayment, deferment, forbearance, refinancing, or other federal assistance programs may be worth comparing. The right option depends on your loan type, income, goals, and eligibility.
Find the best repayment plan for your student loans and take control of your financial future.
