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Student Loans

Living with student loans means living with a multitude of regular or monthly payments, and they can be a lot to keep track of. Get Good Credit can help you consolidate your Federal Loans into a single loan with a fixed interest rate, which can also help you qualify for loan forgiveness! Find out more about your consolidation option by calling us for a free consultation at (877) 212-2450.

How Does Loan Consolidation Work?

Loan consolidation is the process in which a person that has separate, but similar, loans combines them into one loan with one interest rate. If you have multiple Federal Student Loans you may be able to consolidate them and get fixed interest rate, which is usually based on the average interest rates of the loans before consolidation. This allows you to qualify for different kinds of repayment plans–some with no monthly payments.

Federal Student Loan consolidation is done by the Department of Education through a federal loan servicer of your choice (e.g. NelNet, FedLoan, etc.). The servicer basically takes on your old loans, turns them into a single loan, and then collects your future payments.

There are three types of loans that qualify for this service: Direct Loans, Federal Family Education Loan (FFEL) Program Loans, & Perkins Loans.

Forgiveness For Federal Student Loans

Once your Federal Student Loans have been consolidated, you may be eligible for Student Loan Forgiveness. Usually this results in an overall lower payment or, in some cases, your outstanding debt being completely forgiven! Eligibility is based on a few factors: job, income, family size, the closure of your school, disability and other special circumstances.

Circumstances That May Qualify For Forgiveness!

  • Public Service Loan Forgiveness
  • Closed School Discharge
  • Perkins Loan Cancellation and Discharge
  • Student Loan Forgiveness Relief
  • Discharge Due to Death
  • Unpaid Refund Discharge
  • Teacher Loan Forgiveness
  • Borrower Defense Discharge
  • Total and Permanent Disability Discharge
  • False Certification of Student Eligibility or Unauthorized Payment Discharge
  • Certain types of cancellations are available to military personnel, teachers, nurses, child care providers, or borrowers affected by the closure of a school

    Are You Defaulting On Your Student Loans?

    When you have Federal Student Loans in default status (e.g. Collections, Charge Offs) you are liable to have your tax return intercepted in the amount owed towards your student loans. If you aren’t eligible to receive a tax return, you will see your wages garnished if you fail to pay Student Loans backed by the government. Get Good Credit can help REHAB your Federal Student Loan accounts to get them out of default status and stop further tax return interceptions and wage garnishment. Once your loans are rehabilitated with the Department of Education, you can consolidate them at a fixed rate, which then leads to qualifying for loan forgiveness.

    So call Get Good Credit today at (877) 212-2450 to see if you qualify for Student Loan Consolidation and take the first step towards possible loan forgiveness!

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