Start Your Journey to Student Loan Relief.

Start Your Journey to Student Loan Relief.

Stop overpaying the interest and find a clear path to financial freedom.

Stop overpaying the interest and find a clear path to financial freedom.

The 3-Step Path to Freedom

The 3-Step Path to Freedom

1

Watch the Video

Start by watching the short video above.

1

Watch the Video

Start by watching the short video above.

1

Watch the Video

Start by watching the short video above.

2

Book a Free Consultation

Schedule a 10-minute strategy call with one of our experts. We’ll review your unique situation to see which programs (like PSLF or IDR) you are eligible for.

2

Book a Free Consultation

Schedule a 10-minute strategy call with one of our experts. We’ll review your unique situation to see which programs (like PSLF or IDR) you are eligible for.

2

Book a Free Consultation

Schedule a 10-minute strategy call with one of our experts. We’ll review your unique situation to see which programs (like PSLF or IDR) you are eligible for.

3

Calculate Your Savings

Fill out our quick questionnaire. We will run your numbers through our government-approved student loan calculator to show you EXACTLY how much money we can save you.

3

Calculate Your Savings

Fill out our quick questionnaire. We will run your numbers through our government-approved student loan calculator to show you EXACTLY how much money we can save you.

3

Calculate Your Savings

Fill out our quick questionnaire. We will run your numbers through our government-approved student loan calculator to show you EXACTLY how much money we can save you.

Book Your Call

Book Your Call

Financial advisor consulting with a couple in an office, discussing debt relief and wealth building strategies.
Financial advisor consulting with a couple in an office, discussing debt relief and wealth building strategies.
Financial advisor consulting with a couple in an office, discussing debt relief and wealth building strategies.
Financial advisor consulting with a couple in an office, discussing debt relief and wealth building strategies.

1. Loan Forgiveness & Repayment Plans

1. Loan Forgiveness & Repayment Plans

Public Service Loan Forgiveness (PSLF) Get help navigating eligibility for full loan forgiveness.

Get help navigating eligibility for full loan forgiveness.

Public Service Loan Forgiveness (PSLF) Get help navigating eligibility for full loan forgiveness.

Get help navigating eligibility for full loan forgiveness.

Public Service Loan Forgiveness (PSLF) Get help navigating eligibility for full loan forgiveness.

Get help navigating eligibility for full loan forgiveness.

Public Service Loan Forgiveness (PSLF) Get help navigating eligibility for full loan forgiveness.

Get help navigating eligibility for full loan forgiveness.

Income-Driven Repayment Plans

Lower monthly payments based on your income.

Income-Driven Repayment Plans

Lower monthly payments based on your income.

Income-Driven Repayment Plans

Lower monthly payments based on your income.

Income-Driven Repayment Plans

Lower monthly payments based on your income.

Loan Consolidation & Refinancing

Combine loans for better terms and lower payments.

Loan Consolidation & Refinancing

Combine loans for better terms and lower payments.

Loan Consolidation & Refinancing

Combine loans for better terms and lower payments.

Loan Consolidation & Refinancing

Combine loans for better terms and lower payments.

Defaulted Loan Rehabilitation

Restore your credit and start fresh with a structured repayment plan.

Defaulted Loan Rehabilitation

Restore your credit and start fresh with a structured repayment plan.

Defaulted Loan Rehabilitation

Restore your credit and start fresh with a structured repayment plan.

Defaulted Loan Rehabilitation

Restore your credit and start fresh with a structured repayment plan.

Student Loan Education Hub

Stay informed with tips and strategies to manage your loans effectively.

Student Loan Education Hub

Stay informed with tips and strategies to manage your loans effectively.

Student Loan Education Hub

Stay informed with tips and strategies to manage your loans effectively.

Student Loan Education Hub

Stay informed with tips and strategies to manage your loans effectively.

2.Student Loan Relief for Public Service Workers

2.Student Loan Relief for Public Service Workers

PSLF Assistance

Get clear guidance on meeting the requirements to have loans forgiven.

PSLF Assistance

Get clear guidance on meeting the requirements to have loans forgiven.

PSLF Assistance

Get clear guidance on meeting the requirements to have loans forgiven.

PSLF Assistance

Get clear guidance on meeting the requirements to have loans forgiven.

Employer Certification

Make sure your employer qualifies under the PSLF program.

Employer Certification

Make sure your employer qualifies under the PSLF program.

Employer Certification

Make sure your employer qualifies under the PSLF program.

Employer Certification

Make sure your employer qualifies under the PSLF program.

Loan Forgiveness Updates

Stay updated on changes in forgiveness regulations.

Loan Forgiveness Updates

Stay updated on changes in forgiveness regulations.

Loan Forgiveness Updates

Stay updated on changes in forgiveness regulations.

Loan Forgiveness Updates

Stay updated on changes in forgiveness regulations.

Tax Liability for Loan Forgiveness

Learn how PSLF could impact your taxes in the future.

Tax Liability for Loan Forgiveness

Learn how PSLF could impact your taxes in the future.

Tax Liability for Loan Forgiveness

Learn how PSLF could impact your taxes in the future.

Tax Liability for Loan Forgiveness

Learn how PSLF could impact your taxes in the future.

Two women shaking hands, smiling, representing financial consulting and debt relief services.
Two women shaking hands, smiling, representing financial consulting and debt relief services.
Two women shaking hands, smiling, representing financial consulting and debt relief services.
Two women shaking hands, smiling, representing financial consulting and debt relief services.
Young woman with glasses smiles while holding a mug and using a laptop on an orange couch.
Young woman with glasses smiles while holding a mug and using a laptop on an orange couch.
Young woman with glasses smiles while holding a mug and using a laptop on an orange couch.
Young woman with glasses smiles while holding a mug and using a laptop on an orange couch.

3.Student Loan Debt Consolidation & Private Loan Refinancing

3.Student Loan Debt Consolidation & Private Loan Refinancing

Loan Consolidation

Combine multiple loans for one easy-to-manage monthly payment.

Loan Consolidation

Combine multiple loans for one easy-to-manage monthly payment.

Loan Consolidation

Combine multiple loans for one easy-to-manage monthly payment.

Loan Consolidation

Combine multiple loans for one easy-to-manage monthly payment.

Refinancing

Secure better interest rates for your student loans.

Refinancing

Secure better interest rates for your student loans.

Refinancing

Secure better interest rates for your student loans.

Refinancing

Secure better interest rates for your student loans.

Access Payment Relief Plans

Secure a lower monthly payment through income driven repayment plans.

Access Payment Relief Plans

Secure a lower monthly payment through income driven repayment plans.

Access Payment Relief Plans

Secure a lower monthly payment through income driven repayment plans.

Access Payment Relief Plans

Secure a lower monthly payment through income driven repayment plans.

Explore Loan Forgiveness Eligibility

Loan forgiveness options after 120, 240, and 300 months.

Explore Loan Forgiveness Eligibility

Loan forgiveness options after 120, 240, and 300 months.

Explore Loan Forgiveness Eligibility

Loan forgiveness options after 120, 240, and 300 months.

Explore Loan Forgiveness Eligibility

Loan forgiveness options after 120, 240, and 300 months.

4.Borrower’s Defense to Repayment Program

Loan Forgiveness for Defrauded Students

Get relief if your school misrepresented its programs.

Loan Forgiveness for Defrauded Students

Get relief if your school misrepresented its programs.

Loan Forgiveness for Defrauded Students

Get relief if your school misrepresented its programs.

Loan Forgiveness for Defrauded Students

Get relief if your school misrepresented its programs.

Eligibility Review & Application Assistance

We help determine if you qualify and guide you through the process.

Eligibility Review & Application Assistance

We help determine if you qualify and guide you through the process.

Eligibility Review & Application Assistance

We help determine if you qualify and guide you through the process.

Eligibility Review & Application Assistance

We help determine if you qualify and guide you through the process.

Stop Collections & Payments

Eligible borrowers may pause payments while claims are processed.

Stop Collections & Payments

Eligible borrowers may pause payments while claims are processed.

Stop Collections & Payments

Eligible borrowers may pause payments while claims are processed.

Stop Collections & Payments

Eligible borrowers may pause payments while claims are processed.

Faster Approvals & Compliance Support

Navigate the system with expert guidance to avoid delays.

Faster Approvals & Compliance Support

Navigate the system with expert guidance to avoid delays.

Faster Approvals & Compliance Support

Navigate the system with expert guidance to avoid delays.

Faster Approvals & Compliance Support

Navigate the system with expert guidance to avoid delays.

Two professionals, a Black man and a White woman, review a tablet together at a wooden desk, discussing financial strategies.
Two professionals, a Black man and a White woman, review a tablet together at a wooden desk, discussing financial strategies.
Two professionals, a Black man and a White woman, review a tablet together at a wooden desk, discussing financial strategies.
Two professionals, a Black man and a White woman, review a tablet together at a wooden desk, discussing financial strategies.
Financial consultant and client discussing debt relief and wealth building strategies with a laptop and documents on desk.
Financial consultant and client discussing debt relief and wealth building strategies with a laptop and documents on desk.
Financial consultant and client discussing debt relief and wealth building strategies with a laptop and documents on desk.
Financial consultant and client discussing debt relief and wealth building strategies with a laptop and documents on desk.

5.Disability Loan Discharge

5.Disability Loan Discharge

Full Student Loan Forgiveness

Permanently cancel your federal student loans if you qualify.

Full Student Loan Forgiveness

Permanently cancel your federal student loans if you qualify.

Full Student Loan Forgiveness

Permanently cancel your federal student loans if you qualify.

Full Student Loan Forgiveness

Permanently cancel your federal student loans if you qualify.

Automatic & Application-Based Discharges

Some borrowers are identified automatically through the SSA or VA, while others can apply manually.

Automatic & Application-Based Discharges

Some borrowers are identified automatically through the SSA or VA, while others can apply manually.

Automatic & Application-Based Discharges

Some borrowers are identified automatically through the SSA or VA, while others can apply manually.

Automatic & Application-Based Discharges

Some borrowers are identified automatically through the SSA or VA, while others can apply manually.

Stop Wage Garnishment & Collections

Eligible borrowers can halt payments and collections immediately.

Stop Wage Garnishment & Collections

Eligible borrowers can halt payments and collections immediately.

Stop Wage Garnishment & Collections

Eligible borrowers can halt payments and collections immediately.

Stop Wage Garnishment & Collections

Eligible borrowers can halt payments and collections immediately.

Guided Application Support

We help you navigate the process and submit the necessary documentation.

Guided Application Support

We help you navigate the process and submit the necessary documentation.

Guided Application Support

We help you navigate the process and submit the necessary documentation.

Guided Application Support

We help you navigate the process and submit the necessary documentation.

6.Defaulted Loan Assistance

6.Defaulted Loan Assistance

Loan Rehabilitation Plan

Restore your credit by bringing your defaulted loans back to good standing.

Loan Rehabilitation Plan

Restore your credit by bringing your defaulted loans back to good standing.

Loan Rehabilitation Plan

Restore your credit by bringing your defaulted loans back to good standing.

Loan Rehabilitation Plan

Restore your credit by bringing your defaulted loans back to good standing.

Payment Plan Negotiation

Work with you to create a payment plan that fits your budget.

Payment Plan Negotiation

Work with you to create a payment plan that fits your budget.

Payment Plan Negotiation

Work with you to create a payment plan that fits your budget.

Payment Plan Negotiation

Work with you to create a payment plan that fits your budget.

Credit Score Restoration

Improve your credit by resolving defaulted loans.

Credit Score Restoration

Improve your credit by resolving defaulted loans.

Credit Score Restoration

Improve your credit by resolving defaulted loans.

Credit Score Restoration

Improve your credit by resolving defaulted loans.

Guidance on Federal Loan Programs

Get assistance with federal student loan repayment programs.

Guidance on Federal Loan Programs

Get assistance with federal student loan repayment programs.

Guidance on Federal Loan Programs

Get assistance with federal student loan repayment programs.

Guidance on Federal Loan Programs

Get assistance with federal student loan repayment programs.

Three diverse women in business attire high-fiving at a desk with charts and a laptop, celebrating financial success and debt freedom with Key 2 Debt Free.
Three diverse women in business attire high-fiving at a desk with charts and a laptop, celebrating financial success and debt freedom with Key 2 Debt Free.
Three diverse women in business attire high-fiving at a desk with charts and a laptop, celebrating financial success and debt freedom with Key 2 Debt Free.
Three diverse women in business attire high-fiving at a desk with charts and a laptop, celebrating financial success and debt freedom with Key 2 Debt Free.

TESTIMONIALS

What Others Are Saying

"You're already changing my life!"

Berry M.

Client

Smiling man in denim shirt, financial advisor, Key 2 Debt Free consultant

Berry M.

Client

I just finished my meeting with Rachael and I want to thank you for introducing me to her...she is truly AMAZING! I had no idea about the programs and options she suggested for me and for my daughter that are total game-changers. I am honestly blown away. You ladies are already changing my life!! I am so grateful to you both and so excited to continue on this journey!!

24 K

1.2 B

"You're already changing my life!"

Berry M.

Client

Smiling man in denim shirt, financial advisor, Key 2 Debt Free consultant

Berry M.

Client

I just finished my meeting with Rachael and I want to thank you for introducing me to her...she is truly AMAZING! I had no idea about the programs and options she suggested for me and for my daughter that are total game-changers. I am honestly blown away. You ladies are already changing my life!! I am so grateful to you both and so excited to continue on this journey!!

24 K

1.2 B

"My monthly payment is less than my Netflix!"

Susan J.

Client

Smiling man in denim shirt, financial advisor, Key 2 Debt Free consultant

Susan J.

Client

I thought my loans were unmanageable, particularly on a single income with 4 children. After struggling to keep up for years, they eventually went into default. Next thing I knew, my wages were being garnished. Rachael put an end to that, and now my monthly payment is less than my Netflix!

24 K

1.2 B

"My monthly payment is less than my Netflix!"

Susan J.

Client

Smiling man in denim shirt, financial advisor, Key 2 Debt Free consultant

Susan J.

Client

I thought my loans were unmanageable, particularly on a single income with 4 children. After struggling to keep up for years, they eventually went into default. Next thing I knew, my wages were being garnished. Rachael put an end to that, and now my monthly payment is less than my Netflix!

24 K

1.2 B

"Loved everything so far"

Jafar W.

Client

Smiling man in denim shirt, financial advisor, Key 2 Debt Free consultant

Jafar W.

Client

I graduated just two years before my college was shut down. I felt cheated - all my hard work was for nothing, and the bills for my education kept on coming. I didn't know what to do, and then a friend told me to talk to Key 2 Debt Free. With their help, I successfully petitioned for Borrower's Defense and my loans were completely forgiven.

24 K

1.2 B

"Loved everything so far"

Jafar W.

Client

Smiling man in denim shirt, financial advisor, Key 2 Debt Free consultant

Jafar W.

Client

I graduated just two years before my college was shut down. I felt cheated - all my hard work was for nothing, and the bills for my education kept on coming. I didn't know what to do, and then a friend told me to talk to Key 2 Debt Free. With their help, I successfully petitioned for Borrower's Defense and my loans were completely forgiven.

24 K

1.2 B

Susan J.

Client

I thought my loans were unmanageable, particularly on a single income with 4 children. After struggling to keep up for years, they eventually went into default. Next thing I knew, my wages were being garnished. Rachael put an end to that, and now my monthly payment is less than my Netflix!

Jafar W.

Client

I graduated just two years before my college was shut down. I felt cheated - all my hard work was for nothing, and the bills for my education kept on coming. I didn't know what to do, and then a friend told me to talk to Key 2 Debt Free. With their help, I successfully petitioned for Borrower's Defense and my loans were completely forgiven.

Berry M.

Client

I just finished my meeting with Rachael and I want to thank you for introducing me to her...she is truly AMAZING! I had no idea about the programs and options she suggested for me and for my daughter that are total game-changers. I am honestly blown away. You ladies are already changing my life!! I am so grateful to you both and so excited to continue on this journey!!

TESTIMONIALS

What Others Are Saying

Susan J.

Client

I thought my loans were unmanageable, particularly on a single income with 4 children. After struggling to keep up for years, they eventually went into default. Next thing I knew, my wages were being garnished. Rachael put an end to that, and now my monthly payment is less than my Netflix!

Jafar W.

Client

I graduated just two years before my college was shut down. I felt cheated - all my hard work was for nothing, and the bills for my education kept on coming. I didn't know what to do, and then a friend told me to talk to Key 2 Debt Free. With their help, I successfully petitioned for Borrower's Defense and my loans were completely forgiven.

Berry M.

Client

I just finished my meeting with Rachael and I want to thank you for introducing me to her...she is truly AMAZING! I had no idea about the programs and options she suggested for me and for my daughter that are total game-changers. I am honestly blown away. You ladies are already changing my life!! I am so grateful to you both and so excited to continue on this journey!!

Student Loan Relief FAQs

Student Loan Relief FAQs

Got Questions? We've Got Answers!

Got Questions? We've Got Answers!

What are my options for reducing student loan debt?

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Can I qualify for student loan forgiveness?

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How do I get started with student loan relief?

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What is loan rehabilitation for defaulted student loans?

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How can I start the loan rehabilitation process?

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What are the benefits of rehabilitating a defaulted loan?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

What is the Public Service Loan Forgiveness (PSLF) program?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

Who qualifies for PSLF?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

How do I apply for PSLF?

Submit the PSLF application form along with your employer's certification to the U.S. Department of Education after making the required 120 qualifying payments.

What does the court’s injunction mean if I’m enrolled in the SAVE Plan?

If you’re enrolled in the SAVE Plan, your loans are in general forbearance until loan servicers can accurately bill you, expected no earlier than September 2025. During this time, you don’t have to make payments, interest won’t accrue, but the time won’t count toward PSLF or IDR forgiveness.

How does forbearance affect my loans?

If you’re enrolled in the SAVE Plan, your loans are in general forbearance until loan servicers can accurately bill you, expected no earlier than September 2025. During this time, you don’t have to make payments, interest won’t accrue, but the time won’t count toward PSLF or IDR forgiveness.

Can I enroll in the SAVE Plan, another IDR plan, or consolidate my loans?

If you’re enrolled in the SAVE Plan, your loans are in general forbearance until loan servicers can accurately bill you, expected no earlier than September 2025. During this time, you don’t have to make payments, interest won’t accrue, but the time won’t count toward PSLF or IDR forgiveness.

What is Total and Permanent Disability (TPD) discharge?

TPD discharge is a program that relieves you from repaying federal student loans if you are totally and permanently disabled.

How can I prove eligibility for TPD discharge?

TPD discharge is a program that relieves you from repaying federal student loans if you are totally and permanently disabled.

What are Income-Driven Repayment (IDR) plans?

TPD discharge is a program that relieves you from repaying federal student loans if you are totally and permanently disabled.

How do I know which IDR plan is right for me?

The best plan depends on your individual financial situation. Book a call with our team to help determine the most suitable option.

Can IDR plans lead to loan forgiveness?

Yes, after making qualifying payments for 20 or 25 years under an IDR plan, any remaining loan balance may be forgiven.

What are my options for reducing student loan debt?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

Can I qualify for student loan forgiveness?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

How do I get started with student loan relief?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

What is loan rehabilitation for defaulted student loans?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

How can I start the loan rehabilitation process?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

What are the benefits of rehabilitating a defaulted loan?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

What is the Public Service Loan Forgiveness (PSLF) program?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

Who qualifies for PSLF?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

How do I apply for PSLF?

Submit the PSLF application form along with your employer's certification to the U.S. Department of Education after making the required 120 qualifying payments.

What does the court’s injunction mean if I’m enrolled in the SAVE Plan?

If you’re enrolled in the SAVE Plan, your loans are in general forbearance until loan servicers can accurately bill you, expected no earlier than September 2025. During this time, you don’t have to make payments, interest won’t accrue, but the time won’t count toward PSLF or IDR forgiveness.

How does forbearance affect my loans?

If you’re enrolled in the SAVE Plan, your loans are in general forbearance until loan servicers can accurately bill you, expected no earlier than September 2025. During this time, you don’t have to make payments, interest won’t accrue, but the time won’t count toward PSLF or IDR forgiveness.

Can I enroll in the SAVE Plan, another IDR plan, or consolidate my loans?

If you’re enrolled in the SAVE Plan, your loans are in general forbearance until loan servicers can accurately bill you, expected no earlier than September 2025. During this time, you don’t have to make payments, interest won’t accrue, but the time won’t count toward PSLF or IDR forgiveness.

What is Total and Permanent Disability (TPD) discharge?

TPD discharge is a program that relieves you from repaying federal student loans if you are totally and permanently disabled.

How can I prove eligibility for TPD discharge?

TPD discharge is a program that relieves you from repaying federal student loans if you are totally and permanently disabled.

What are Income-Driven Repayment (IDR) plans?

TPD discharge is a program that relieves you from repaying federal student loans if you are totally and permanently disabled.

How do I know which IDR plan is right for me?

The best plan depends on your individual financial situation. Book a call with our team to help determine the most suitable option.

Can IDR plans lead to loan forgiveness?

Yes, after making qualifying payments for 20 or 25 years under an IDR plan, any remaining loan balance may be forgiven.

What are my options for reducing student loan debt?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

Can I qualify for student loan forgiveness?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

How do I get started with student loan relief?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

What is loan rehabilitation for defaulted student loans?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

How can I start the loan rehabilitation process?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

What are the benefits of rehabilitating a defaulted loan?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

What is the Public Service Loan Forgiveness (PSLF) program?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

Who qualifies for PSLF?

To add a video to your site, click the “Insert” button and navigate to the “Media” section. Then, drag and drop a video component onto the Canvas.

How do I apply for PSLF?

Submit the PSLF application form along with your employer's certification to the U.S. Department of Education after making the required 120 qualifying payments.

What does the court’s injunction mean if I’m enrolled in the SAVE Plan?

If you’re enrolled in the SAVE Plan, your loans are in general forbearance until loan servicers can accurately bill you, expected no earlier than September 2025. During this time, you don’t have to make payments, interest won’t accrue, but the time won’t count toward PSLF or IDR forgiveness.

How does forbearance affect my loans?

If you’re enrolled in the SAVE Plan, your loans are in general forbearance until loan servicers can accurately bill you, expected no earlier than September 2025. During this time, you don’t have to make payments, interest won’t accrue, but the time won’t count toward PSLF or IDR forgiveness.

Can I enroll in the SAVE Plan, another IDR plan, or consolidate my loans?

If you’re enrolled in the SAVE Plan, your loans are in general forbearance until loan servicers can accurately bill you, expected no earlier than September 2025. During this time, you don’t have to make payments, interest won’t accrue, but the time won’t count toward PSLF or IDR forgiveness.

What is Total and Permanent Disability (TPD) discharge?

TPD discharge is a program that relieves you from repaying federal student loans if you are totally and permanently disabled.

How can I prove eligibility for TPD discharge?

TPD discharge is a program that relieves you from repaying federal student loans if you are totally and permanently disabled.

What are Income-Driven Repayment (IDR) plans?

TPD discharge is a program that relieves you from repaying federal student loans if you are totally and permanently disabled.

How do I know which IDR plan is right for me?

The best plan depends on your individual financial situation. Book a call with our team to help determine the most suitable option.

Can IDR plans lead to loan forgiveness?

Yes, after making qualifying payments for 20 or 25 years under an IDR plan, any remaining loan balance may be forgiven.

Key 2 Debt Free logo with stylized K in blue and purple

Key 2 Debt Free, LLC is a private consulting company and does not claim to be affiliated with any Federal, State, or Local Government agencies. Key 2 Debt Free, LLC is not a loan servicer or originator. Key 2 Debt Free, LLC is in no way affiliated with the Department of Education. Key 2 Debt Free, LLC consults with individuals on how to obtain federal government student loan forgiveness and/or consolidation programs by pre-qualifying, preparing, and submitting required documentation on their behalf. Individuals with student loan debt have the legal right to use an attorney or process federal student loan documentation on their own behalf without paid assistance. When you work with Key 2 Debt Free, you gain access to a nationwide network of financial professionals and specialists working to find you new products, services, and strategies for making the most of your money.

Key 2 Debt Free logo with stylized K in blue and purple

Key 2 Debt Free, LLC is a private consulting company and does not claim to be affiliated with any Federal, State, or Local Government agencies. Key 2 Debt Free, LLC is not a loan servicer or originator. Key 2 Debt Free, LLC is in no way affiliated with the Department of Education. Key 2 Debt Free, LLC consults with individuals on how to obtain federal government student loan forgiveness and/or consolidation programs by pre-qualifying, preparing, and submitting required documentation on their behalf. Individuals with student loan debt have the legal right to use an attorney or process federal student loan documentation on their own behalf without paid assistance. When you work with Key 2 Debt Free, you gain access to a nationwide network of financial professionals and specialists working to find you new products, services, and strategies for making the most of your money.


Key 2 Debt Free logo with stylized K in blue and purple

Key 2 Debt Free, LLC is a private consulting company and does not claim to be affiliated with any Federal, State, or Local Government agencies. Key 2 Debt Free, LLC is not a loan servicer or originator. Key 2 Debt Free, LLC is in no way affiliated with the Department of Education. Key 2 Debt Free, LLC consults with individuals on how to obtain federal government student loan forgiveness and/or consolidation programs by pre-qualifying, preparing, and submitting required documentation on their behalf. Individuals with student loan debt have the legal right to use an attorney or process federal student loan documentation on their own behalf without paid assistance. When you work with Key 2 Debt Free, you gain access to a nationwide network of financial professionals and specialists working to find you new products, services, and strategies for making the most of your money.

Key 2 Debt Free logo with stylized K in blue and purple

Key 2 Debt Free, LLC is a private consulting company and does not claim to be affiliated with any Federal, State, or Local Government agencies. Key 2 Debt Free, LLC is not a loan servicer or originator. Key 2 Debt Free, LLC is in no way affiliated with the Department of Education. Key 2 Debt Free, LLC consults with individuals on how to obtain federal government student loan forgiveness and/or consolidation programs by pre-qualifying, preparing, and submitting required documentation on their behalf. Individuals with student loan debt have the legal right to use an attorney or process federal student loan documentation on their own behalf without paid assistance. When you work with Key 2 Debt Free, you gain access to a nationwide network of financial professionals and specialists working to find you new products, services, and strategies for making the most of your money.