Student Loan Revision Request: Fill & Download for Free

How To Get Your Student Loans Forgiven: Three PathsThere are three ways to have student loans forgiven and none of them are easily attainable. The first is based on the type of career you choose. The second is based on you how many years you make on-time payments while enrolled in a qualifying repayment plan. The last one requires a set of extraordinary circumstances that rarely come into play, but nonetheless could result in loan forgiveness. The first two are available for federal student loans only and the last one is achievable for federal or private student loans.Be aware that there is an important difference between having a loan “discharged” and having one “forgiven.” Loan forgiveness typically is given to someone who performs works at a qualified job, such as teaching in a high-need area, for a specific length of time and has the amount left on their student loan forgiven. Loan discharge is rare, but can be granted to borrowers who can’t repay the loan for a variety of reasons such as death, disability, fraud, identity theft and in very scarce circumstances, bankruptcy.Public Service Loan Forgiveness Program (PSLF)Public Service Loan Forgiveness was created by the College Cost Reduction and Access Act of 2007 to lessen the burden of student loans for highly-qualified graduates and encourage them to pursue careers in the public service sector.This forgiveness option is available for Direct Federal Student Loans; Direct Plus loans and Direct Consolidation loans. Private student loans are not eligible for Public Service Loan Forgiveness. To receive loan forgiveness under this program, you must be a full-time employee (at least 30 hours per week) in public service job and make 10 years of on-time monthly payments (120) after consolidating your federal loans in a qualified repayment program.This forgiveness option applies solely to Direct Federal Student Loans. Private student loans are not eligible for Public Service Loan Forgiveness. To receive loan forgiveness under this program, you must be a full-time employee (at least 30 hours per week) in public service job and make 10 years of on-time monthly payments (120) after consolidating your federal loans in a qualified repayment program.Public Service Jobs Qualifying for Public Service Loan Forgiveness:Any job in a government organization at the federal, state, local or tribal levelNot-for-profit organizations that are designated tax-exempt under Section 501(c)(3)Other not-for-profit organizations that are not tax-exempt but provide a qualifying public serviceFull-time AmeriCorps and Peace Corps volunteersThe most common public service careers are in education, law enforcement, health, public law, and veterinary medicine.Repayment Plans Qualifying for Public Service Loan ForgivenessIncome-Based Repayment Plan (IBR)Income-Contingent Repayment Plan (ICR)Pay As You Earn Repayment Plan (PAYE)Revised Pay As You Earn Repayment Plan (REPAYE)Note that the 10-year Standard Repayment Plan also is considered a qualifying plan, but because it is a 10-year plan, there won’t be any funds left to forgive. If you plan to enroll in a PSLF program, you need to enroll in a repayment plan that extends your loan term beyond 10 years.To apply for PSLF, you must fill out a Employment Certification Form every year and make pay stubs, W-2 forms or other documentation available as requested.The first wave of student loan borrowers eligible for loan forgiveness met their final required payment in October of 2017. News stories say that many of the people who thought they had qualified, were denied loan forgiveness because they didn’t meet the prescribed requirements.According to a 2017 report from the Consumer Financial Protection Bureau, more than 550,000 borrowers are expecting to have their loans forgiven. If you are enrolled in the program, you should track your progress at least once-a-year to be certain you are meeting all requirements.However, President Donald Trump has proposed eliminating the program to anyone who hasn’t enrolled by July 1, 2018. Congress hasn’t voted on that proposal as of the Spring of 2018. For more information on this path to loan forgiveness, visit Public Service Loan Forgiveness.Teacher Loan Forgiveness ProgramThe Teacher Loan Forgiveness program was created in 1998 to encourage teachers to take jobs at elementary schools, secondary schools and educational service agencies that serve low-income families. The U.S. Department of Education publishes the list of low-income elementary schools and secondary schools each year.You need to teach fulltime at a qualifying school for five full and consecutive years. Then you are eligible to have from $5,000 to up to $17,500 in loans forgiven.Only Direct subsidized and unsubsidized loans qualify. PLUS loans do not qualify. There are 13 states that offer some form of loan forgiveness for teachers, with varying requirements.Apply to the program by completing the Teacher Loan Forgiveness Application and submitting it to your loan servicer.Loan Forgiveness for NursesRegistered nurses, nurse practitioners and members of nursing faculty, who work in high-need population areas or areas where there is a critical shortage could qualify to have up to 85% of their loans forgiven under the NURSE Corps Loan Repayment Program.Qualified candidates can have 60% of their student loans forgiven for working two years in an underserved area. Another 25% could be forgiven for working three years. Some states also offer loan repayment assistance. Go to the Loan Forgiveness for Nurses website to see if yours is one of the 33 states that has one and what the eligibility requirements are.Loan Forgiveness for DoctorsThe healthcare professions, especially physicians, dentists, pharmacists and mental healthcare workers, have several options, both national and local, to receive loan forgiveness.The requirements and the amount forgiven vary dramatically, depending upon which program you enter. For example, the Navy Financial Assistance Program offers up to $275,000 in loan forgiveness in return for an eight-year commitment for active and reserve duty. The National Health Service Corps offers up to $50,000 in loan repayment for two years of work at an approved site.Check out the links to see the amount of loan forgiveness available and requirements for Army doctors; Indian Health Services, National Institute of Health, as well as state-by-state programs.Loan Forgiveness for LawyersLike most professions, there is a financial incentive for lawyers to spend a few years practicing in public service or government offices in order to have some portion of their law school loan forgiven. For example, the Department of Justice provides up to $60,000 in loan forgiveness for lawyers who work there for at least three years. The Air Force Judge Advocate program offers up to $65,000 in loan forgiveness.The best place to start looking might be your own law school, since several colleges forgive some or all of the student loans for students who make less than $60,000 a year. That amount varies, so check with your school to get actual requirements and amount forgiven. If you can't qualify for a forgiveness program, look into refinancing your law school debt.Loan Forgiveness for MilitaryEach branch of the military has programs that help qualified members pay off their student loans, but the loan amounts forgiven and the requirements that must be met vary dramatically.The best to find out all that is involved in military loan forgiveness is to visit the Complete Guide to Military Student Loan Forgiveness and Repayment and find the program that best suits your situation and branch of the military.Federal Perkins Loan CancellationFederal Perkins Loans have a separate forgiveness program because your school is the lender, not the federal government. To apply, contact the financial aid office at the school that administered your Perkins Loan and request the application forms. You need to be a full-time employee in a qualified career.Is your credit score is holding you back fro being approved a loan, If you want to raise your credit score and delete negatives or collections. Just let him know I referred you and he would be on hand to respond swiftly 4FICOREPAIR @ gmail com

I really can't tell you what to do, or what's your best option, but I can tell you what I learnt from my experience, hope it'll help.1, doing something as an career is VERY different from doing it as a hobby.I was trained as an artist, but it's not until later I realize what it's like being a professional artist. It's very rare you end up doing what you want to do, you need to deal with your art director, your client (who doesn't know anything about art or design), your team, deadline, revision (some times ridiculous revision requests), crunch time (over time might sound romantic, try doing it 3 months in a row, not so romantic anymore).bottom line is, follow your passion is very romantic, idealistic and noble, but until you really doing it, you might not realize the difference between reality and your dream.2, You'll never know what you like until you actually doing it.Take me for example, I thought I was meant to do art, went to art school and grad school for it, still paying my student loan. But it wasn't until I start doing project management, I start to realize not only I really enjoy doing it, I'm actually very good at it. Now I'm totally loving my job. If some one tell me I'd be happy doing a management job which has very little to do with art, I'd say "no way!!! I'll never be happy doing some boring administration job!"3, A lot of people end up doing something very different from their college major. A lot of people switch career path midway.Kids have this funny idea, that they should know what they meant to do right off college. They also think if they didn't make something out of it by 30, their life is over. I heard kids say: I'm 26, I'm still not a director or a lead... I'm so afraid of turning 30 and don't have VP or CEO attached to my name. It's even more so in Silicon Valley, with so many start ups and kids CEOs.Not true.Take my dad for example: He's major in Radiochemistry in college, taught math in middle school for 10 years, start his own company in his late 30's which has nothing to do with nuclear or chemistry or math, became millionaire in his 50s.I also know this lady, studied ceramics in college, somehow start working for a newspaper and became a reporter for some 10 years, later studied computer science and become an engineer, and later pass the realtor example, and now happily selling million dollar houses.I know it can be frustrating not knowing what you want, but you're young, your life just started, you have so many years ahead of you. whatever decision you think you should make, you don't need to make it now.Try things out, whatever you want to do, just go do it. Not everything will turn out as you wanted, but hey, good thing about being young, you can afford to make mistakes. People gain knowledge from mistakes, might as well make them when you're young, when you still have time to learn from it and do better. When you got older, it'll be harder to turn things over.But! remember the lady I talked about, she got her realtor license in her 50s, so~~~ never too late.Good luck :)

I feel myself to be the most eligible guy to answer this question as:-1. Spent 4 years in IIT-JEE Preparation2. Base of my career is B.Tech from a tier-3 college without CAT/GATE :)3. On B.Tech base, was able to add toppings of Work experience and PG/MastersActually I had spent 4 years (3 attempts) in IIT-JEE preparation, chasing dream of IIT. Throughout these 4 years, i tried my best, did sincere studies. I was good in national level mock tests but somehow failed in actual one. Third attempt was during my first year of Engineering in a tier-3 college which requires 3 digit state rank..Anyways coming to point, and sharing my story. There was no regret in preparations/strategy but somehow i was not able to do it. While going through failure of not being able to crack IIT, at a moment a thought of suicide also came to my mind. Believe me, suicide is actually a state of mind for a moment and luckily i was able to handle it. That day, I was having some money, a silly thought came to my mind that better to spend the money, eat something and then die. :PI went to college canteen, where I saw some seniors were discussing interview questions. I observed I can handle it buddy. I was just thinking about it, when i saw conductor of one opf the college bus having his lunch in college lawn. I sat next to him and just talked casually and got to know he worked before in Canada and Dubai.. He was such a calm and happy soul who is happily passing time and supporting his family at native place.I realized Coaching Institutes make us fool that if you are not IITian, you are good for nothing, Guys, we can at-least do something to survive. That day I thought, my college requires 3 digit state rank i am still better than many others, still capable to atleast something. While i was in 2nd year i realised that this (Tier-3) college is my fate and people here also somehow, earn their bread and butter and I should also get something useful for life out of this. Moreover there are colleges, where no company comes for Placement, they might also be doing something today or tomorrow. While realising all this, my 2nd year B.Tech also passed.While i entered 3rd year, my profile was:- 10th 84%, 12th 58%, B.Tech 19 backlogs. Also, i had joined a local computer diploma institute to cover gap year but all exams were pending. So it was in third year when i actually started studying or rather I should say passing the engineering.. During third year i had lots and lots of stuff to doFirst hurdle was that with low 12th grades, i was not able to apply for placements and due to gap, not eligible for improvement exams at CBSE..During 3rd year of my Engineering, i realised, some guys in that college were very serious about their career, luckily few of them became my friends. With their support, was able to make smart and sincere efforts to settle the things.1st - Joined NIOS (Open Board) to repeat 12th exams for better grades2nd - Requested computer diploma institute to allow me appear for exams3rd - Discussed my scene with college faculty along with juniors/classmates to get specific notes.4th - visited another local computer institute for C, C++ and Java CoreDuring third year i appeared for 50+ exams:)5 exams (12th), 11 exams (Computer Diploma), 19 backlogs, 10 regular exams, 3 exams (C, C++ and Java) along with college session examsWas preparing very sincerely and wisely, target was to get eligible for placements. Basically I had to prepare answers and presentation be done in a way that i should at-least get passing mark, if not good grade. I realised the difference, for IIT-JEE have to cover the topic thoroughly but for university exams, specific topics are to be covered. I was focusing on previous papers and 30–35 pages Xerox notes for most of Engineering exams.As there are many comments about 12th from NIOS, check below link, shared few detailsGaurav Wadhwa's answer to How much time does it take to pass 12th class from the NIOS board?When 3rd year ended, my profile was:-10th 84%, 12th 67%, B.Tech 68%, Diploma 81% and certificates of C, C++ and Java. I wish, I should have taken practical exams seriously at Open Board, They don't give full marks like CBSE guys. :)Was given a nick name “Cheetah sir” by my juniors, who were actually helping me with notes and all..During Final year, initially a thought of CAT came to my mind.. But somehow i was not willing to spend time on these preparations. My mindset was like, i need a job to earn skillset, work experience (and salary :P) along with my qualifications.Once third year ended, i contacted few guys1. Local MAT/Bank PO level institute2. NIIT for some certificates3. HCL Infosystems (CDC) for internship4. Same good local institute for C, C++ and Java CoreDuring 1st 100 days of my final year, I simply1. revised C, C++, Java Core and SQL concepts2. Sincerely prepared Aptitude and was doing full MAT paper or Bank PO (without GK) twice a week3. HCL and NIIT though not taught anything useful but added certificates to my CV4. I edited my CV almost daily, tried my best to make it perfect5. Prepared answers to common questions like introduction, strength/weakness.6. Prepared answers to expected questions like why did 12th twice, did diploma before BTech etc7. By own, prepared explanation and SDLC/STLC coverage of a Development Project which HCL guys gave us.8. Was applying every job, literally every job Banking, IT, Sales, Support whateverMy CV finally showcased below things:-1. B.Tech 70+2. One Year Diploma 81%3. 12th Repeat (NIOS-Open Board) 67%4. 12th CBSE 58%5. 10th CBSE 84%6. Skillset of C, C++, Java Core7. Placement Coordinator at college Placement Office8. Some Fest, Fairs, seminars etc9. Internship/Trainings from HCL InfosystemsWhich I guess looks good from recruiters point of view :PJob Application Targets:-In last 4–5 months of Engineering with CV, attire ready my simple target was to apply all jobs at college level and maximum clicks on “Apply” button in job portals.Infact often i ended up getting message that Maximum application for today reached, try tomorrow :DBasically i was applying to each and every option like Software-IT Jobs, Banking, Sales, Support, MBA Colleges and i had kept a target to appear in 50+ organisations (written/interviews) till last day of my B.Tech and i was able to achieve this number after one month of B.Tech completion.After one month of stepping out of college and 50 applications, i had below options:-1. Infosys and TCS offers in IT2. Internship offer from a Product based org3. HCL Comnet and IBM Daksh (Support Jobs)4. Merchant Navy offer5. Axis Bank Management trainee6. MAT 99.4 Percentile7. Calls based on good score in AMCAT, eLitmus, NITATI still remember my last day at my hostel, i was not willing to step out of my (Tier-3) college, I agree, it was not tier-1, but is close to my heart and in my memories. I often visit it, when i get a chance.Internship from Product based org was best option, but I was not willing to take risk. I analysed the options, discussed with knowns working in I.T. Sector and decided to go with Infosys as i was interested in Infosys Mysore training to work and improve my Software Engineering skills. With 3-4 months break after B.Tech and before Infosys joining i sent a polite mail to organisations, i was not willing to join.Joined a gym, revised OOPS, Java, visited my cousins, spent some time in Gurgaon and Bangalore.Finally i landed at Infosys, did training at Infosys Mysore, after which Got posted at Pune.I worked on Security domain in Finance project for 4+ years, was learning while earning and side by side did distance MBA from a valid university. With obvious reasons:-1. I was enjoying my work, and was not willing to prepare and spend time on CAT.2. Somehow, not willing to spend 15–20 Lacs on MBA, that too by leaving the job3. Did it in distance mode, along with good internships, online courses4. Total 50–60k Fees to be paid in Installments5. Online lectures, can attend as per my schedule.6. MCQ exams as per my schedule. I was not willing to give subjective exams with a datesheet.7. Certificate should be of a Degree and no diplomaFinally, I was able to mention my Masters Degree on my daughter’s kinder garden admission form :DThere is an interesting experience, like how i paid my fees of MBA along with my B.Tech and Bike loans which is shared in below link:-Gaurav Wadhwa's answer to How did you handle your student loan debt once you graduated college?Now people are commenting that Distance MBA is not worth, Guys i dont think we should compare it with top colleges. But compare below two profiles:-Guy1 - B.Tech, MBA both from 3 tier and hunting for job (No Salary for 3 years and pay the fees)Guy2 - B.Tech, M.B.A. Distance with 3 year experience and good skillset (Earned salary, fees I guess 50k total)I tried to be Guy2, as simple as that!!Where my batch-mates are today?1. Some did MS in USA from same institutes, where IITians/NITians join2. Some cracked GATE/CAT/GRE/GMAT/IBPS/UPSC etc.3. Some joined Govt Services in Engineering/Army/Banking/Police/Excise etc4. Some like me doing skills upgrades and serving in IT CompaniesWhat People of my age and similar profile are doing these days:-Most of them have became or trying to move to Management or Operations in senior profiles by promotions or earning certifications, diploma’s, degrees and making a switch.Do i still miss IIT/Top colleges? Where do IITians/Top Colleges guys have edge and how to move?The answer is NO, looks strange, let me explain.My immediate neighbour is a BITS alumni. We often spend 15–20 hours per week together.. The thing is, Once we are in job and are in stable salary to support the family, then everything is same.Yes, they guys have edge while making the things stable. But they too have to struggle..Here is a plan for guys who are younger than me and trying make the things work:-1. Be eligible, make sure grades (Marks>60 etc) are good enough to apply companies2. Keep updating your CV, keep editing it.3. Do internships/ trainings as per interest and market scenario4. Do Online courses from Udemy, IIT’s online classes etc.. They do not help directly but help to earn skills and can also mention in CV5. Keep a formal attire ready for interview.6. It may happen that one has to join some other job. But even then we can keep applying to job of interest.To mention, If i would have done suicide, i would have missed the beautiful life ahead, which was waiting for me. My parents would have missed me with no fault of theirs.Sharing details on point 6 about other job:-I know one guy who stepped out of Tier-3 college without a job (happens often). He immediately joined a Tech Support job (can say Technical BPO or call center).Joined Post Graduate DIploma and also did internships and courses online..He was able to join a Product Based company in less than one year, before he got his diploma.Actually our parents dont know BPO/Software whatever, they say that our son is working in Noida. Ghar walo ko nahi pata, what is BPO/Software/Product. Special father ‘s say unhone B.Tech karai, pehle 8K salary thi.. abb company badli to 22k ho gai.. and he is proud of it. Let them be happy in this (can say) illusion. Ultimate goal was this thing only :DBackup option to maintain:-Do not spend whole of the salary, your primary duty is to support your family and not to impress the society. Infact we are not here just to publish data on facebook :DCalculate minimum monthly expense which you need. Suppose it is 35K per month, then 2Lac+ should be kept separately.// Reason: It gives support mental peace that just in case something in career goes wrong then we get 6–7 months to revise, study and apply job again :)Things which i suggest should be always maintained at my age without a miss.1. Documents file and xerox copies2. Short notes in a notepad like Java/OOPS/HR questions.3. Bank balance say 50K or whatever for emergencies4. Power bank charger and phone charger in your bag, it avoids panic5. Keep phone numbers of plumber, electrician, carpenter, grocery, ambulance, security, doctor, CA, Advocate handy6. Maintain your own playlists, soft songs, DJ songs, bhajans, kids songs, old songs.. just play them at home or in car and see reaction (happiness/excitement/satisfaction) of your family membersWhat i improved in last few days:-1. I recently worked on my Data Engineering skills using a formal course. Also I improved my Technical skills.2. I have reduced my caffine intake from 7–8 cups a day to half cup two times3. I stay away from my smartphone for 20+ hours.I have bought Nokia 105 for my primary number and most of the times, i myself dont know my smart phone is.4. Joined a team of friends, who have adopted one family for 2 Years by providing them monthly food (rashan) and paying school fee of kids. (They somehow lost their bread earner)What i am planning to work further:-1. Job: Plan is to spend time in new organization and work on new skills2. Personal: Will try to spend more time with my daughter and wife.3. My daughter wants me to completely quit drinking caffine, gande bache peete hai :D4. I want to wake up early morning without an alarm clock5. I do simple walk, jogging in park, just thinking if i should join gym :)Where i am today after 9 years.Personally: These days, I am more comfortable to be with spiritual guys, happily married to love of my life. Blessed to have a sweet daughter. Love to do meditation, be in a park, Watch Tarak Mehta show :DI often watch Sadhguru, Sandeep Maheshwari, beerbiceps and fit-tuber on youtube.Professionally: B.Tech MBA with 9 year experience, just completed Big Data course from Great Lakes and have an offer of 17+ at Gurgaon.I have seen guys earning 25, 40 and 50 lacs based on their skills with a non-iitian degree. This is just my story, there are may be lacs or crores of people like me, we often meet daily and are stable with non-iitian degree. Keep trying to move as per directions shown by life, something will happen for good.Financial/Status: Meri zarurate kamm hai, isliye mere zamir me damm hai.. :DBasically, I am not so crazy about brands, i ride my splendor, drive Swift, use Nokia 105 as my primary phone (Mi Note7 for Jio Sim :P), gifted tablet to my daughter (allowed 20 minutes per day) Thanks to my wife, we will be completing EMI’s of 3-BHK at Gurgaon in next few years.Am i thankful to my (Tier-3) college?Yes, It was my last and first regular degree… My 3rd year made me something that i can try to face pressure in personal and professional life..I paid my education loan and did MBA distance on my own..With blessings of my parents, i can say that I have earned the things, not just did it.That college gave me platform to learn skills (technical, personal), Manage multitasking (my 3rd year..), eligibility.. and my wife… yes, she was my classmate and we actually talked first time in my 3rd year…My B.Tech degree is base of my career, on which i was able to add MBA and PG Diploma along with work experience and skills…I am really thankful to my college for providing me a base to live my life ahead..Future Plan: Once EMI is paid, will continue cashless insurance for my family. Long term plan is to do some other job, may be Placement Officer in some college just to keep myself busy, keep interacting and pay the bills. I wish to do M.Phil and land in Operations/Managerial/Consultancy/Speciality after 10–15 more years which is my retirement plan, once i quit from technical stuff!Now thats again my own choice as i want to be fit, satisfied as i feel that I am there for sometime on this planet, want to spend time with my parents, my family, inlaws. Do meditation, Be a good citizen, Plan short trips, see my daughter growing. With calmness, satisfaction leave this planet thinking Mazaa aa gaya bhai, badia life thi..Jitni chaabi bhari Raam ne,Utna chale khilona :)