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What Can USA Student Loans Do for You
USA Student Loans provides document preparation assistance services for the various programs available through the Department of Education. While defaulting on a student loan can be a frightening experience, USA Student Loans is here to help you get back on track by handling the preparation and submission of your documents and application to the DOE so you can pay off your student loans once and for all! Here's a look at a few of the options the Department of Education is currently offering that are available to you




Repayment Plans Available

Evaluate your options and speak with one of our knowledgeable and trained counselors and see what options are available to you. Choose a repayment plan tailored to your financial circumstances, such as your income and family size.


  • Revised Pay As You Earn- Payments are capped at 10% of your discretionary income. All student loan borrowers qualify. "Any remaining balance at the end of your term will be forgiven"


  • Pay As You Earn- Payments are capped at 10 percent of your discretionary income with a maximum term of 240 months. "Any remaining balance at the end of your term will be forgiven"


  • Income Based Repayment- Payments are capped at 15 percent of your discretionary income with a maximum term of 300 months. "Any remaining balance at the end of your term will be forgiven"


  • Income Contingent Repayment- Payments are capped at 20 percent of your discretionary income with a maximum term of 300 months. "Any remaining balance at the end of your term will be forgiven"


  • The Standard Plan- You'll pay a fixed monthly payment until your loans are paid in full within 10 years.


  • The Graduated Plan- Payments start low and increase every 2 years. Intended for borrowers who expect their income to steadily grow over time.



Forgiveness Programs

Forgiveness Programs can help you get a portion or your entire student loan balance forgiven from one of the many forgiveness programs available. USA Student Loans will help you prepare and submit all the correct documentation and applications necessary to qualify you for one of the many forgiveness programs currently available through the DOE listed below


  • Closed School Discharge-If the school you attended closed its doors while enrolled or 120 days after you withdrew, you may qualify for complete or partial forgiveness of your Federal loans.


  • Public Service Loan Forgiveness-The Public Service Loan Forgiveness Program (PSLF) is designed for borrowers who work full time in the public service sector. Under this program, borrowers will receive immediate forgiveness after 120 qualifying payments


  • Teacher Loan Forgiveness-Under the Teacher Loan Forgiveness Program (TLF) you may qualify for forgiveness up to $17,500 if you teach full time for 5 complete and consecutive academic years at a title one school.


  • Total and Permanent Disability Discharge-Under the Total and Permanent Disability Discharge Program (TPDD), you may qualify for complete forgiveness of your student debt if you are totally and permanently disabled.


  • Repayment Plans to Suit Every Financial Situation-The Department of Education's income sensitive plans are great for graduates with a limited income. With this approach, your monthly student loan payments are determined by the amount owed, your annual earnings and family size. Individuals who opt for this approach will also receive forgiveness at the end of the term. Below are just a few repayment plans available to federal student loan borrowers: