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Employer status can reduce payments by as much as 15 years and dramatically increase the amount forgiven.

And, Credit.com’s free credit report summary can help you understand what’s inside your credit report. There are several safe and smart ways to consolidate credit card debt, so you’ll want to research them before deciding what’s best for you.

Keep in mind that this must be a TOTAL disability as certified by a physician.

This certification may be required over an extended period of time, by multiple physicians, before the Government will accept your application and discharge the loans.

This program offers the most encompassing benefits and if often referred to as Obama Student Loan Forgiveness. Ford Direct Loan and enrolling in an Income Driven Repayment (IDR) plan, loan holders qualify for forgiveness at the end of the term of their loan which is 20-25 years depending on their initial loan balance.

There are multiple IDR repayment options that qualify for forgiveness under the William D. Additionally, there is accelerated forgiveness available for specific borrowers depending on who their employer is.

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