{"id":24415,"date":"2026-04-25T09:29:56","date_gmt":"2026-04-25T09:29:56","guid":{"rendered":"https:\/\/incredipros.com\/?p=24415"},"modified":"2026-04-25T09:29:57","modified_gmt":"2026-04-25T09:29:57","slug":"7-types-of-student-loan-help","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=24415","title":{"rendered":"7 Types of Student Loan Help"},"content":{"rendered":"<div>\n<p>Hey, we know student loans are heavy. They can squeeze the life out of your income and feel like a weight you just can\u2019t bear. If you\u2019re looking for student loan help, the options can seem endless. From forgiveness to forbearance to consolidation . . . but how do you know what\u2019s helpful and what actually just slows down your progress in the long run?\n    <\/p>\n<p>We\u2019ve got the lowdown on seven types of student loan help\u2014the good, the bad and the ugly\u2014and even the absolute best plan for getting rid of your student loans. For. Good.\n    <\/p>\n<ol>\n<li>Student Loan Forgiveness<\/li>\n<li>Income-Driven Repayment<\/li>\n<li>Service Member Benefits<\/li>\n<li>Student Loan Deferment<\/li>\n<li>Student Loan Forbearance<\/li>\n<li>Student Loan Refinancing<\/li>\n<li>Help for Student Loan Delinquency or Default<\/li>\n<\/ol>\n<p><h2>1. Student Loan Forgiveness<\/h2>\n<\/p>\n<p>Listen, student loan forgiveness sounds great, but\u00a0qualifying for it\u00a0isn\u2019t as simple as you may think. And it certainly isn\u2019t guaranteed to make your student loans disappear.\n    <\/p>\n<div class=\"BlogInsert-copy\">\n<p>Pay off debt fast and save more money with <em>Financial Peace University<\/em>.<\/p>\n<\/p><\/div>\n<p>While President Biden\u2019s plan to forgive a portion of federal student loan debt is supposed to provide some relief, most borrowers will still have a good amount of student loans to pay off afterward. And widespread forgiveness like this is most likely a one-time thing.\n    <\/p>\n<p>There are several programs that can help people get the rest of their federal loans forgiven, but you have to meet pretty hefty requirements to prove you qualify. And even if you do, very few people actually get their loans forgiven in the end.\n    <\/p>\n<p>Here are a few types of those student loan forgiveness programs:\n    <\/p>\n<ul>\n<li><strong>Teacher Loan Forgiveness.<\/strong>\u00a0This one has several conditions you have to meet, including a five-year stretch teaching low-income students at an approved school or an educational service agency. You can\u2019t apply for the forgiveness until after you\u2019ve taught for five consecutive academic years.<sup> <\/sup><\/li>\n<li><strong>Public Service Loan Forgiveness.\u00a0<\/strong>Going this route for forgiveness is even tougher because you have to work an approved job\u00a0<em>and<\/em>\u00a0go 10 years without a single missed payment on your student loans before you can even apply. And the success rate for PSLF is less than 2%.<sup>1<\/sup> Talk about disappointing.<\/li>\n<li><strong>Disability Discharge Forgiveness.<\/strong>\u00a0If you have a permanent disability (proven through a physician, Veterans Affairs or the Social Security Administration), you\u2019re eligible for a Total and Permanent Disability discharge. The process is a long one and includes a three-year monitoring period after your loans are discharged to prove you\u2019re still disabled.<\/li>\n<\/ul>\n<ul>\n<li><strong>Forgiveness Due to a Problem With Your School.<\/strong>\u00a0Whether you\u2019ve been defrauded by your college through misleading information or you lost money because your school closed while you were enrolled, there\u2019s a chance your student loans can be forgiven. This only applies to federal loans though.<\/li>\n<\/ul>\n<p>If any of these options fit your situation, you can start the process of applying. But considering all the time and trouble it takes to qualify (and the low percentage of people who end up having their loans forgiven), these rarely help anyone move the needle on financial progress.\n    <\/p>\n<p><h2>2. Income-Driven Repayment<\/h2>\n<\/p>\n<p>If you can\u2019t get your balance forgiven, an income-driven repayment plan could lower your monthly payments on federal loans. How much depends on your income and family size. Here are the different types of income-driven repayment plans:\n    <\/p>\n<ul>\n<li>Pay As You Earn (PAYE)<\/li>\n<li>Revised Pay As You Earn (REPAYE)<\/li>\n<li>Income-Based Repayment (IBR)<\/li>\n<li>Income-Contingent Repayment (ICR)<\/li>\n<\/ul>\n<p>All these programs work pretty much the same. They cap your payment somewhere between 10% and 20% of your discretionary income (aka your income after taxes and deductions), and you keep making payments for 20 or 25 years. Whatever\u2019s left after that will be forgiven.\n    <\/p>\n<p>But can you see the problem with this approach? Sure, you might get a reduced payment\u2014but you\u2019re also agreeing to keep that debt in your life for up to 25 years. That\u2019s. Too. Long.\n    <\/p>\n<p><h2>3. Service Member Benefits<\/h2>\n<\/p>\n<p>Military service members may be eligible for several programs that help with student loans. If that\u2019s you, here are a few of those benefits:\n    <\/p>\n<ul>\n<li><strong>Interest Rate Reductions.\u00a0<\/strong>The Servicemembers Civil Relief Act (SCRA) limits your interest rate to 6% while you\u2019re on active duty\u2014and if you\u2019re serving in a hostile area, you may even qualify for 0% interest.<\/li>\n<li><strong>Payment Reduction.\u00a0<\/strong>In certain situations, the HEROES Act waiver may allow you to extend your general income-based repayment options if they expire while you\u2019re on active duty.<\/li>\n<li><strong>Postponed Payments.<\/strong>\u00a0For federal loans only, Military Service Deferment allows you to postpone monthly payments during and right after certain forms of active duty.<\/li>\n<li><strong>Post-Active Duty Student Deferment.<\/strong>\u00a0This program can allow you to put off payments after active duty if you plan to go back to school.<\/li>\n<li><strong>National Guard Duty Mandatory Forbearance.<\/strong>\u00a0This was created for National Guard members who don\u2019t qualify for the Military Service Deferment.<\/li>\n<\/ul>\n<p>Even if you qualify for any of these, they should\u00a0<em>not<\/em>\u00a0be your main plan of attack to get rid of your student loans. Don\u2019t let an interest rate reduction or deferment be an excuse to slow down or slack off on\u00a0paying off your loans quickly\u00a0and getting them out of your life forever.\n    <\/p>\n<p><h2>4. Student Loan Deferment<\/h2>\n<\/p>\n<p>Another form of student loan help you may have heard of is student loan deferment. And while we recommend you do all you can to avoid deferment, you need to know what it means.\n    <\/p>\n<p>A deferment is a pause on your student loan payments. But\u2014and don\u2019t miss this\u2014in many cases, the interest continues to accrue (aka build up) while you\u2019re not making payments. The interest gets stacked on top of what you already owe. Yeah\u2014it\u2019s a really bad deal.\n    <\/p>\n<p>People could be eligible for a deferment if they\u2019re:\n    <\/p>\n<ul>\n<li><strong>In rehab<\/strong><\/li>\n<li><strong>In a graduate fellowship program<\/strong><\/li>\n<li><strong>Going back to school at least half-time<\/strong>\u00a0(but please don\u2019t enroll in more school if you\u2019re just doing it to avoid student loan payments. And if you do head back, whatever you do, don\u2019t pay for it with even more debt!)<\/li>\n<li><strong>Actively serving in the Peace Corps<\/strong><\/li>\n<li><strong>Unemployed or underemployed while seeking full-time work<\/strong><\/li>\n<\/ul>\n<p>In most cases, a student loan deferment is a quick fix that creates a bigger problem in the long run. It\u2019s definitely not the ultimate solution to your student loan debt problem.\n    <\/p>\n<p><h2>5. Student Loan Forbearance<\/h2>\n<\/p>\n<p>Forbearance is a pause or reduction of your student loan payments. This word may sound familiar because during the pandemic, all federal student loans were placed in automatic forbearance. But under normal circumstances, forbearance works very differently.\n    <\/p>\n<p>A person has to request a forbearance if they\u2019re unable to make payments because of financial difficulties, medical expenses, a change in income, or some other reason their loan servicer may approve. The key word here is\u00a0<em>approve<\/em>\u2014it\u2019s up to the loan servicer to determine if you can actually get the forbearance.\n    <\/p>\n<p>Plus, forbearance has the same problem as deferment, only worse: The interest\u00a0<em>always<\/em>\u00a0adds up when your student loan is in forbearance. (During the pandemic, the interest rate was at 0%, but that was an exception\u2014not the norm.) You can choose to keep paying the interest, which is a lot better than letting it grow and watching your balance go up. But how much help is that really if you\u2019re in a tough financial spot?\n    <\/p>\n<p>Again, a forbearance doesn\u2019t get the debt out of your life. It just puts a pause on it. A pause that makes the amount you owe grow over time. No. Thank. You.\n    <\/p>\n<p><h2>6.\u00a0 Student Loan Refinancing<\/h2>\n<\/p>\n<p>Now, this is a student loan approach we can actually get behind, if\u00a0<em>and only if<\/em>\u00a0it makes sense for you. The basic idea behind\u00a0refinancing\u00a0is a win-win: You might be able to lock in a lower fixed interest rate (which means you pay less over time) or a better term (which means you pay off your student loans quicker). Or both!\n    <\/p>\n<p>But there are several things that\u00a0<em>must<\/em>\u00a0be true before you even\u00a0think of refinancing. Only refinance if:\u00a0\n    <\/p>\n<ul>\n<li>It\u2019s 100% free to refinance.\u00a0<\/li>\n<li>You can get a lower interest rate.<\/li>\n<li>You can keep a fixed rate or trade your variable rate for a fixed rate.\u00a0<\/li>\n<li>You don\u2019t have to sign up for a longer repayment period.\u00a0<\/li>\n<li>You don\u2019t need a cosigner.\u00a0<\/li>\n<li>You haven\u2019t recently declared bankruptcy.\u00a0<\/li>\n<li>It will actually motivate you to pay off your student loans faster.\u00a0<\/li>\n<\/ul>\n<p><h2>7. Help for Student Loan Delinquency or Default<\/h2>\n<\/p>\n<p>Unfortunately, you can&#8217;t just ignore your student loans and not pay them\u2014at least not without consequences. Falling into delinquency or defaulting is a worst-case scenario for your student loans. What do these terms mean? A loan is\u00a0<em>delinquent<\/em>\u00a0the mome\n    <\/p>\n<p>nt you miss a payment. The delinquency ends when you get up to date on payments.\n    <\/p>\n<p>If your loan stays delinquent (you continue to not make payments) for 90 days or more, your loan servicer will report it to the three major national credit bureaus, and you\u2019ll get a nasty hit on your\u00a0credit score.\n    <\/p>\n<p>If you go too long without making payments, your loan will move from delinquency to\u00a0<em>default.<\/em>\u00a0The timeline for this depends on your lender, but with most federal loans, you can expect your loan to go into default after about nine months of nonpayment.\n    <\/p>\n<p>Defaulting on your loans brings all kinds of trouble. You might be looking at lawsuits and garnished wages (when part of your paycheck is taken to pay the debt), or the lender may demand you pay the remaining balance immediately. On top of that, if you default on your student loans, you won\u2019t get things like the\u00a0Child Tax Credit\u00a0either.\n    <\/p>\n<p>If you\u2019re afraid you\u2019ll default on your loans once payments start back up, don\u2019t give up hope! Contact the billing company for the loan right away and let them know why you can\u2019t make your payments. It may not be a fun conversation, but ignoring the problem won\u2019t make your situation better.\n    <\/p>\n<p>And if you\u2019ve already defaulted on your student loans, there\u2019s some good news for you! Back in April 2022, President Biden announced an initiative called Fresh Start to help borrowers start the repayment process back in good standing.\n    <\/p>\n<p>Not all the Fresh Start benefits are available yet. But you won\u2019t have to worry about collectors hounding you or having your wages garnished. Watch out though\u2014one \u201cbenefit\u201d under this initiative is being able to take out more government loans. And trust us, that\u2019s the <em>last<\/em> thing you want to do if you\u2019re already struggling to pay the loans you currently have. Use this fresh start to boost your payoff progress, not slow it down.\n    <\/p>\n<p>Speaking of making progress, there are two main ways you can get back on track if you\u2019ve defaulted on your student loans: rehabilitation and consolidation.\n    <\/p>\n<h2>Student Loan Rehabilitation<\/h2>\n<p>This is a pretty simple federal program designed to help you keep your\u00a0Four Walls\u00a0(food, utilities, shelter and transportation) covered while you slow way down on your school loans. You\u2019ll likely need to show proof of income and expenses. And depending on the numbers, your loan servicer will figure out your monthly payment. (Your payment could drop to as low as $5 a month.)<sup>2<\/sup>\n    <\/p>\n<p>The goal with rehabilitation is to get out of default by making nine on-time payments within 10 consecutive months. Once you do that, the default status will be removed from your credit report. But remember, this is just a temporary plan to help you get back on your feet\u2014not something to depend on long term.\n    <\/p>\n<h2>Student Loan Consolidation<\/h2>\n<p>The other way to end a default is through\u00a0student loan consolidation, but this is only available for federal student loans. The word\u00a0<em>consolidation<\/em>\u00a0comes up a lot when you\u2019re talking about debt relief, but we want you to hear one thing loud and clear\u2014student loans are the only kind of\u00a0debt consolidation we\u2019d <em>ever<\/em> recommend you consider.\n    <\/p>\n<p>When you consolidate, your new lender pays off your old loans, putting an end to the default status on those loans. You get a new loan structure, including a fixed interest rate and maybe even a lower payment.\n    <\/p>\n<p>But consolidating usually extends the length of your loan, which means you\u2019ll actually pay more over time. So, it\u2019s mostly a question of motivation. Would you rather attack several small loans (with possibly variable interest rates) or one larger loan (with a fixed rate)?\n    <\/p>\n<p>Just remember: If you do choose to consolidate your student loans, you need to pay more than the minimum payment. Seriously, you don\u2019t want to be in debt any longer than you have to be!\n    <\/p>\n<h2>Avoid Student Loan Relief Scams<\/h2>\n<p>If you\u2019re struggling with your student loans right now, you need to be careful of those punks who are all about taking advantage of your situation for their profit. It\u2019s disgusting. But it happens.\n    <\/p>\n<p>One of the easiest ways to avoid scams (including student loan forgiveness scams) is to not believe every website claiming to help you with your loans\u2014and definitely don\u2019t give out your personal information willy-nilly. When in doubt, the Federal Student Aid website is your source of truth (especially for applications).\n    <\/p>\n<p>Also, watch out for\u00a0<em>anything<\/em>\u00a0that charges you fees to help you with your student loans. All of the federal programs we talked about are available\u00a0<em>for free<\/em>. And even refinancing (the right way) has no up-front charge.\n    <\/p>\n<p>And steer clear of \u201cdebt settlement\u201d businesses. They dress up like debt consolidation, but the two are\u00a0<em>not the same.<\/em>\u00a0Most debt settlement companies make big promises about helping reduce or eliminate your debt, and they charge you big fees up front.\n    <\/p>\n<p>But what happens next? They often take your money and run, leaving your student loans unpaid, your bank account emptier thanks to their fees, and your life in a heap of trouble.\n    <\/p>\n<h2>Trending Topics in the News on Student Loan Help<\/h2>\n<p>Want to read more trending topics on student loan help? Check out these articles:\n    <\/p>\n<p>Student Loan Forgiveness Application: Everything You Need to Know\n    <\/p>\n<p>Can Joe Biden Forgive Student Loans?\n    <\/p>\n<p>Student Loan Relief Is Ending in 2022\n    <\/p>\n<h2>The Best Option for You<\/h2>\n<p>Okay, so there\u2019s all the info. But you still need help with your student loans. Where do you even start?\n    <\/p>\n<p><strong>Take a deep breath.<\/strong> These loans feel massive, but they will\u00a0<em>not <\/em>defeat you<em>.\u00a0<\/em>You have what it takes to get out from under the debt and move forward with your life. You\u00a0<em>really<\/em>\u00a0do.\n    <\/p>\n<p>But listen, the solution is not running after programs that\u00a0<em>might\u00a0<\/em>help or waiting on the government to forgive your student loans.\u00a0The solution is<em> you.\u00a0<\/em>You can pay off all your student loan debt yourself\u2014and faster than you thought possible.\n    <\/p>\n<p><strong>Get on a budget.<\/strong> You need to see what your money situation really is. You might be surprised by how much you\u2019re spending in some areas. Make sure you\u2019re covering the essentials, then tell the extras goodbye (for now) so you can focus your money on\u00a0getting out of this debt.\n    <\/p>\n<p>We know you\u2019re stressed, and budgeting might seem like one more thing to stress about, but it doesn\u2019t have to be hard or horrible. Try out our budgeting app,\u00a0EveryDollar. It\u2019s easy to use\u00a0<em>and\u00a0<\/em>free.\n    <\/p>\n<p><strong>Check out our guide.<\/strong>\u00a0If you&#8217;ve still got questions or feel worried, remember: Knowledge is power! Check out our Guide to Getting Rid of Your Student Loans. You&#8217;ll get the information\u2014and the encouragement\u2014you need right now.\u00a0\n    <\/p>\n<p>No matter what, we want you to pay off your student loans. Get them out of your life so you can\u00a0<em>move on<\/em>\u00a0with your life! To do that, you\u2019ll need that budget and some belief. In yourself.\n    <\/p>\n<p>Listen, we believe in you. It might be hard, but you can (and you will) be student loan debt-free. You. Will.\n    <\/p>\n<\/p><\/div>\n<p>Read the full article <a href=\"https:\/\/www.ramseysolutions.com\/debt\/student-loan-help\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hey, we know student loans are heavy. They can squeeze the life out of your income and feel like a weight you just can\u2019t bear. If you\u2019re looking for student loan help, the options can seem endless. From forgiveness to forbearance to consolidation . . . but how do you know what\u2019s helpful and what<\/p>\n","protected":false},"author":1,"featured_media":24416,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":{"0":"post-24415","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>7 Types of Student Loan Help | IncrediPros<\/title>\n<meta name=\"description\" content=\"Hey, we know student loans are heavy. They can squeeze the life out of your income and feel like a weight you just can\u2019t bear. 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