There’s never been a better opportunity to qualify for Student Loan Forgiveness Benefits, as there are literally tons of different programs available, so be sure to browse through my list below and you’re almost certain to find a forgiveness program that can help you get rid of your loans without paying for them.

The dirty little secret to the student loan industry is that schools, lenders, and student loan servicing companies don’t want you to know about these forgiveness benefits, but thanks to the power of the Internet, you’ve now uncovered the biggest secret about student loans: they’re not that hard to get rid of!

To reach the Student Loan Relief Helpline, call: 1-888-906-3065.

There are two main types of Forgiveness benefits available for borrowers with Federal student loans, including the traditional “Forgiveness” programs, and the more modern “Discharge” programs.

The difference between them is that Forgiveness programs typically take a longer time to qualify for, whereas Discharge programs let you get rid of your loans in an instant.

If you do decide to get help, let me offer a quick word of advice: call the Student Loan Relief Helpline, because they’re staffed by actual debt relief experts who can quickly review your situation, then make a recommendation on what you need to do to get rid of your loans as cheaply as possible.

Your first call to the Helpline is free, and you’ll only ever be charged anything if you agree to let them help with the research, paperwork and applications process, so all you’ve got to lose is a few minutes of your time.

For all the details about how it works, please visit my page on President Obama’s Student Loan Forgiveness Program.

Part of the Obama Loan Forgiveness Program, Pay As You Earn is one of the best income-based Federal Student Loan Repayment Plans available this year, and it’s only downside is that it’s only available to people who took out loans on or after October 1st, 2007.

First, you’ll have to determine whether your loans are Federal, or Private, and then you’ll need to navigate to the section of this page covering your type of loan, as your loan type is the most important factor in determining which programs you’ll qualify for.

Keep in mind that while it’s way easier to get rid of Federal loans (because there are so many more programs for them), it’s no longer impossible to qualify for excellent Private Student Loan Forgiveness benefits too, because there are definitely some great options out there now!

To qualify for Obama forgiveness, all you have to do is sign up for either the Pay As You Earn Student Loan Repayment Plan, or the REPAYE Student Loan Repayment Plan, then make 20 years worth of payments toward your loans, and whatever amount you still owe will be entirely forgiven.