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Where Can I Apply for Free Money to Pay Off My Student Loans? – Michelle


“Dear Steve,

I’m trying to figure out where I can apply for free money to pay off my student loans. I know this is a question that has been asked of you before. I’m just tired of thinking I’ve found ther right site, and it ends up that I have to pay for the information. You’re right, It’s definitely a scam. I just want to pay back the money that I owe to schools. My husband and I just had our first baby almost two months ago. I don’t want to still be paying back student loans when it’s time for her to start school; I sure also don’t want to be in complete debt when that times comes as well. Also, I am not working right now, and my husband works, but he does not make a lot of money. Please steer me in the right direction.

Where can I go or who can I go to in order to receive help in paying back my student loans? I have no job right now, and I don’t want to still be paying back money when myt 2 month old starts school!


Dear Michelle,

Congratulations on the new baby. Welcome to parenthood.

There is no free money to pay off student loans. There are some student loan forgiveness programs for teachers and doctors in disadvantaged areas but no money available for people not working in a specific field or area. Even then the requirements are onerous before some federal student loans will be forgiven.

The reason sites are asking you for money is BECAUSE IT IS A SCAM!


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.


  • I would like to know where i can apply for free money to help pay my daughter’s tuition loan.  i’m a single parent and can’t seem to get any help anywhere.  this really stinks!!!!

    • There is no such thing as “free” money to pay off a student loan. There are however programs for teachers and public service workers to discharged their government backed student loans after ten years.

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  • Hi my name is Jeremiah, and I have a huge debt problem, like first I want to find out how to get rid of my student loan it’s like $11,000 . How can I get that paid off because I have no money and plus my school dropped me back in 2010 so which means I did not graduate, but still stuck with a loan..So please help me… 

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