Alumni Counseling Service
Alumni Counseling Service
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    • Home
    • Services
    • loan program options
    • Forgiveness Calculator
  • Home
  • Services
  • loan program options
  • Forgiveness Calculator

Programs we assist with

Normal Payment Plans

Standard Repayment

Graduated Repayment

Graduated Repayment

Pay off your entire principle and interest loan balance in full. 10-30 years repayment term

Graduated Repayment

Graduated Repayment

Graduated Repayment

Pay off you you entire principle and interest loan balance in full. Starts with lower payment but adds 20% every 2 years. 10-30 year repayment term

Forgiveness Programs

Pay As You Earn (PAYE)

Revised Pay As You Earn (REPAYE)

Revised Pay As You Earn (REPAYE)

Qualification and monthly payments are calculated based on loan factors. Payments can be as low as $0. Any loan balance still owed will be forgiven after repayment term. Repayment term is 20 years

Revised Pay As You Earn (REPAYE)

Revised Pay As You Earn (REPAYE)

Revised Pay As You Earn (REPAYE)

Qualification and monthly payments are calculated based on loan factors. Payments can be as low as $0. Any loan balance still owed will be forgiven after repayment term. Repayment term is 20-25 years

Income Based Repayment (IBR)

Revised Pay As You Earn (REPAYE)

Income Contingent Repayment (ICR)

Qualification and monthly payments are calculated based on loan factors. Payments can be as low as $0. Any loan balance still owed will be forgiven after repayment term.

Repayment term is 25 years

Income Contingent Repayment (ICR)

Income Contingent Repayment (ICR)

Income Contingent Repayment (ICR)

Qualification and monthly payments are calculated based on loan factors.

Payments can be as low as $0. Any loan balance still owed will be forgiven after repayment term.

Repayment term is 25 years

Public Service Loan Forgiveness

Income Contingent Repayment (ICR)

Public Service Loan Forgiveness

Working for not-for-profit or governmental organization for 10 years will receive loan forgiveness after 120 qualified payments towards the loans

Discharge Programs

School Closure Discharge

School Closure Discharge

School Closure Discharge

Entire school loan Discharge. 

Qualification: 

1- School Closed while borrower was enrolled. 2- Did not graduate. 3- Did not transfer credits

Disability Discharge

School Closure Discharge

School Closure Discharge

Entire loan amount owed discharge.

Qualification:

(SSDI) or (SSI) award letter, also proof of benefits stating disability review is 5-7 years 

OR

 U.S. (VA) Certification determining unemployable due to a service connected disability

Borrowers Defense To Repayment

If approved by the Department Of Education, all loans disbursed from school claim will be discharged

*Outcome takes up to 24 month *

If the school, through act or omission, violated state law directly related to your federal student loan or to the educational services for which the loan is provided.

Documents from student is needed for this process

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Alumni Counseling Service

Hours Of Operation

Mon - Fri: 8 Am - 5 Pm (PST)

Sat - Sun: Closed

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