I Was Told I Was Eligible for PSLF and Then Told I Wasn’t. Help!

Question: Dear Steve, I am a teacher/counselor who went to college as a non-trad mother of two. I graduated in 1998 and secured a position as a counselor in FL with a debt of $35,000. I could not afford student loans with two boys and no child support, so I did forbearances, but then they … Read more

I Was in State Prison and Wonder if I Can Get My Student Loans Forgiven

Question: Dear Steve, I was in prison for about 3 years and I was wondering about student loan forgiveness for State prisoners. I read your article about student loan forgiveness for prisoners and you basically only mentioned it to be for federal prisoners. But would it apply to State prisoners as well? Kendra Answer: Dear … Read more

I’m Active Duty Military and Was Told to Hold Off Paying My Student Loans

Question: Dear Steve, This is concerning student college loans… I enlisted in the Army Reserves in 1994, did not get the loan repayment option in my contract (nor did I know about it at the young age of 17). I attended college, by use of unsubsidized Stafford Loans. Graduated college and have been serving active … Read more

ABA Wins PSLF Suit With Department of Education

The American Bar Association had sued the Department of Education over a dumb, stupid, and ridiculous effort by the Department of Education to change the rules along the way and say attorneys working on behalf of the organization in a charitable capacity were not eligible for Public Service Loan Forgiveness. According to the American Bar … Read more

I’m a Veteran and Want to Go Back to School to Teach But Get My Loans Forgiven

Question: Dear Steve, Applying for missing benefits, orders, and Voc Rehab. No income while awaiting I.T. school and transition. Loans compounding since 1991. Navy Veteran of 25 years looking to teach STEM courses and leadership. Are there any loan forgiveness and cancellation programs? I can not make 120 on time, monthly payments. Thank you for … Read more

Do Consolidated Parent PLUS Loans Qualify for Forgiveness?

Question: Dear Steve, Will have $160,000 of undergraduate parent plus debt for 2 kids. Recently divorced and debt is solely in my name Do consolidated parent plus loans qualify for forgiveness after 10 years of working at a community health clinic (FHQC)? Amber Answer: Dear Amber, My condolences on the $160K of Parent PLUS loans. … Read more

Nearly All Department of Education Loan Programs Seemingly Broken Under DeVos

The Department of Education under Betsy DeVos seems to be broken when it comes to overseeing student loan programs. Deep issues are preventing debtors from getting access to programs and forgiveness under the law. The biggest broken programs are Public Service Loan Forgiveness, Borrower Defense to Repayment, Closed School Discharges, and now a new class-action … Read more

A Whole Lot of Teachers Sue and Say Public Service Loan Forgiveness Program is a Crapshoot

Last week, Randi Weingarten and the American Federation of Teachers (AFT) sued Education Secretary Betsy DeVos and the U.S. Department of Education, accusing DOE of mismanaging the Public Service Loan Forgiveness program (PSLF). AFT sued on behalf of itself and eight educators whose applications for public-service loan forgiveness were denied. Weingarten is president of AFT … Read more

Will My Firefighting in Prison Help With Student Loan Forgiveness?

Question: Dear Steve, Have/had over 30k in federal student loan debt unresolved, went to prison for almost 8 years, fought wildland fires for 3.5 of those prison years as a part of the CA inmate firefighter program, just got out 4 months ago. Because I was in prison for almost 8 years, am I eligible … Read more

American Bar Association v. U.S. Department of Education Reaches Conclusion

On February 22, 2019, Judge Timothy Kelly issued an important opinion in America Bar Association v. U.S. Department of Education. The American Bar Association (ABA), suing for itself and four public-service attorneys, accused the Department of Education (DOE) of violating fundamental principles of administrative law when it ruled that the public-service lawyers were ineligible to … Read more

Only 1 in 100 People Filing for Public Service Loan Forgiveness are Being Approved

The Public Service Loan Forgiveness (PSLF) program has been in a freefall for several years now. Politico is reporting, “Only about 1 percent of the teachers, nurses, public defenders, military personnel and other public servants applying for student loan relief under the nation’s Public Service Loan Forgiveness program are succeeding.” That is somewhere a disgrace … Read more

Democrats are “woke” about Public Service Loan Forgiveness: Senators Kaine and Gillibrand file legislation to overhaul PSLF

The Trump Administration hates the Public Service Loan Forgiveness Program (PSLF). Signed into law by President George W. Bush in 2007, PSLF allows student-loan debtors who work in public-service jobs to have their student loans forgiven if they make 120 student-loan payments in a qualified repayment plan. The first PSLF participants to have accumulated 120 … Read more

Public Service Loan Forgiveness Elimination Proposal in CBO Report

The Congressional Budget Office (CBO) has released a report on options for reducing the deficit: 2019 to 2028 and in it is an interesting section for people hoping for forgiveness of their federal student loan under the Public Service Loan Forgiveness program. Let’s just hope these proposals don’t become the new law because if so, … Read more

Public Service Loan Forgiveness Program is a “Disaster” According to DOE Official

In a recent speech, Secretary of Education Betsy DeVos called the federal student loan program “a thunderstorm loom[ing] on the horizon.” Only 20 percent of borrowers are paying down the principal and interest on their loans, DeVos said, even as students borrow more and more money to finance their higher education. Comparing the student loan … Read more

Public Service Loan Forgiveness Becomes Another Trump Tragedy for Student Loan Debtors

It is almost mindblowing how much the Betsy DeVos Department of Education under Trump is just screwing over student loan debtors. The Borrower Defense to Repayment program that is supposed to forgive student loans of defrauded student loan debtors have effectively stopped processing valid claims. The Department of Education is changing the rules all over … Read more