Student Doc And Prep
 
Public Service Loan Forgiveness Programs
Every veteran’s experience is different, and finding the right kind of help isn’t something you have to do on your own.


Student Doc and Prep is here to provide guidance to veterans who’ve been taken advantage of by predatory for profit schools.

We help veterans with excessive for profit student loan debt through the Veterans Student Loan Relief Fund and other student loan programs offered by the government.

If you believe you meet the criteria listed below, we encourage you to apply as soon as possible as the December 21st deadline is quickly approaching.

If you do not meet the criteria, and just need to speak to someone about managing excessive debt contact us today at 1-844-867-5623

Eligibility Requirements:

  • Be a veteran who served in Iraq of Afghanistan (or served in the surrounding area and have documented service in Operation Iraqi Freedom, Operation Enduring Freedom, or Operation New Dawn) for a total of at least 60 days after September 11, 2001. 
  • (Eligible applicants’ include veterans who did not meet the 60-day active service period as a result of a service-related injury or condition) OR be spouses or children of veterans (as described above) who are using GI Bill benefits transferred from the veteran
  • Have attended a for-profit two- or four-year college or university, vocational-technical school or training institute in the United States during or after the eligible Veteran’s military service. To determine whether the school is for-profit, visit http://nces.ed.gov/globallocator/
  • Have applied for and accepted all eligible federal, state and institutional need-based grants and used all available military educational benefits (grants from all sources must be disclosed on the application)
  • Have incurred educational loans that have not yet been fully repaid\
  • Believe you were deceived or misled by the for-profit school you attended

The Veterans Student Loan Relief Fund isn’t the only program helping veterans with for profit schools however. Finding out what assistance is available to you can be overwhelming. If you are struggling with for profit school debt or any other transition related challenge, we are here to help.

ABOUT THE OBAMA STUDENT LOAN FORGIVENESS FOR FIREFIGHTERS PROGRAM


The Obama student loan forgiveness program for firefighters makes you eligible for for student loan forgiveness under this federal program if you have federal loans, among other required criterion. 

Do I qualify for loan forgiveness? In order to qualify, you must be working full-time as a firefighter in a local, state or federal fire department. Volunteer firefighters and people who work part time are ineligible. 

How does loan forgiveness work for firefighters? Federal student loans can be forgiven after you’ve made at least 120 timely payments. This means that your payments were received on time and aren’t considered late by the lender. However, student loan forgiveness saves you money and time. Additionally, if you have multiple federal loans, it’s possible to combine them through debt consolidation so you’re only making monthly payments to one company versus multiple companies. 

What student loans are considered for forgiveness? There are two types of loans eligible for student loan forgiveness, Direct Student Loans and Direct Consolidation Loans. If you have other federal loans, that doesn’t mean you don’t qualify for loan forgiveness per se, which is why it’s important to contact us 1-844-867-5623 so we can walk you through each of your loans to figure out the best solution for your specific situation. Before contacting us, please make sure you get your FSA ID. The application process takes 1-2 minutes. This is a (spring 2015) government mandate. 

What does all this mean to my student debt as a firefighter? Great question! After 120 On-Time payments, you will qualify for loan forgiveness. Our job is to ensure that you are making the lowest possible payments during those 10 years. 

Here’s an example, Firefighter “A” was struggling with student loans and needed help. The total amount of student debt was $132,079 and monthly payments were $1,102! That is unbelievably high, especially when income Firefighter “A’s” income was around $50,000 a year. How does a person pay over 1K per month in debt and live a decent life for 50K?! 

Upon enrolling with us, we were able to reduce payments from $1,102 a month, down to $243 a month. 

Once all 120 payments were paid on time, Firefighter “A” will have saved $103,079 during 10 years of payments and the remaining balance will be forgiven.

HOW DO YOU KNOW IF YOU’RE ELIGIBLE FOR 
LAW ENFORCEMENT LOAN FORGIVENESS?
 

The Obama student loan forgiveness program for police officers is also for people who work in public service, other members of law enforcement, corrections officers, and more qualify for student loan forgiveness under this federal program.

  • You must be a full-time law enforcement or corrections officer
  • You must be employed by a local, state, or federal law enforcement or corrections agency, or facility that is publicly funded
  • You must be making or have made 120 On-Time qualifying payments (to learn more about qualifying payments, please click Loan Forgiveness and read, “What Types of Employment is Qualifying?

”What does all this mean to my student debt situation as a police officer? 

Great question! After 10 years of On-Time payments, you will qualify for loan forgiveness. Our job is to ensure that you are making the lowest possible payments for those 10 years. 

Here’s an example, Officer “A” was struggling with student loans and needed help. The total amount of student debt was $132,079 and monthly payments were $1,102! That is unbelievably high, especially when income was around $50,000 a year. How does a person pay over 1K per month in debt and live a decent life for 50K?

After Officer “A” enrolled with us, we were able to reduce payments from $1,102 a month down to $243 a month! Once all 120 payments were paid on time, Officer “A” will have saved $103,079 during 10 years of payments and the remaining balance will be forgiven.

WHAT ELIGIBILITY REQUIREMENTS ARE THERE FOR TEACHERS WHO QUALIFY FOR LOAN FORGIVENESS?
 

The Teacher Loan Forgiveness program is arguably the most beneficial of all the forgiveness options, as teachers are eligible for principal reduction and early ten year forgiveness. An eligible teacher can qualify for principal reduction of $5,000 to $17,500 on their loans, along with full forgiveness after a 10 year term. Any remaining balance at the end of the 10 years would be completely forgiven.

 Your Federal Student Loans (Direct Loan or Federal Family Education Loan) must have originated after Oct 1, 1998. If you are in default on a subsidized or unsubsidized loan, you are not eligible for forgiveness of that loan, unless you have made satisfactory repayment arrangements with the holder of the defaulted loan. 

  • By consolidating your loans we can get you out of default to make sure you receive the forgiveness you deserve.
  • Loans in which you are seeking forgiveness or principal reduction must have been made prior to finishing your five years as a teacher.
  • Any time you spent teaching to receive benefits through AmeriCorps cannot be counted toward your required five years of teaching for Teacher Loan Forgiveness.
  • You must have completed 5 full academic years as a full time teacher, and at least one of those years must have been after the 1997-1998 academic year.
  • You must have been employed in an elementary or secondary school that is a title 1 school, that qualifies for funds under the Elementary and Secondary Education Act of 1965 and has been determined by the department of education that the schools total enrollment is made up of children who qualify for services under title 1 and is listed in the Annual Directory of Designated Low-Income Schools for Teacher Cancellation Benefits.

Note: All elementary and secondary schools operated by the Bureau of Indian Education (BIE)—or operated on Indian reservations by Indian tribal groups under contract with BIE—qualify as schools serving low-income students. These schools are qualifying schools for purposes of this loan forgiveness program, even if they are not listed in the Annual Directory of Designated Low-Income Schools for Teacher Cancellation Benefits.

  • If you were teaching at an eligible education service agency after the 2007-2008 academic year, that can be applied to your consecutive five years of teaching.
  • If you school is eligible under the above conditions for one year but not the rest, they may still be counted to your five consecutive years of teaching.

Who is considered a Teacher in the Obama Teacher Loan Forgiveness Program? 

  • A teacher is a person who provides direct classroom teaching, or classroom-type teaching in a non-classroom setting.
  • Special Education teachers are considered teachers.

How long must I teach? 

  • You must be a teacher for five full and consecutive academic years after the 1997-1998 academic year to qualify for principal reduction in the Teacher loan forgiveness program.
  • Service Completed Before Oct 30. 2004

If your 5 consecutive years of teaching began before Oct 30, 2004 then: 

  • You may receive up to $5,000 in loan forgiveness if you were:
  • A full time elementary school teacher in mathematics, reading or writing, or other aspects of the school’s curriculumA full-time secondary school teacher, teaching in a subject that was related to your academic major 

You may receive up to $17,500 in loan forgiveness if you were: 

  • A highly qualified full-time mathematics or science teacher in an eligible secondary school; or
  • A highly qualified special education teacher whose primary responsibility was to provide special education to children with disabilities and you taught children with disabilities that corresponded to your area of special education training and have demonstrated knowledge and teaching skills in the content areas of the curriculum that you taught:
  • Service Beginning on or after October 30, 2004

If your 5 consecutive years of teaching began after Oct 30, 2004 then: 

  • You may receive up to $5,000 in loan forgiveness if you were a highly qualified full-time elementary or secondary school teacher.
  • You may receive up to $17,500 in loan forgiveness if, as certified by the chief administrative officer of the school where you were employed, you were a highly qualified full-time mathematics or science teacher in an eligible secondary school; or a highly qualified special education teacher whose primary responsibility was to provide special education to children with disabilities, and you taught children with disabilities that corresponded to your area of special education training and have demonstrated knowledge and teaching skills in the content areas of the curriculum that you taught.

Unable to Complete an Academic Year?

If you were unable to complete an academic year, that year may still count towards your Teacher Loan Forgiveness five consecutive years if: 

  • Half of the academic year was completed
  • Your employer considers you having fulfilled your contract requirements for the purposes of salary increase, and tenure and retirement

If you were Unable to Complete the Academic Year Because: 

  • You returned to college, on at least half time credits, in an area that is directly related to your teaching position and, or to better your performance in said position
  • You had a condition covered under the Family and Medical Leave Act of 1993 (FMLA);
  • You were called into active duty in the Armed Forces for more than 30 days.

Am I a highly qualified teacher under the Teacher Loan Forgiveness Program? 

To be a highly qualified teacher, a public elementary or secondary school teacher, you must have obtained full state certification as a teacher; or: 

  • Passed your state teaching license examination
  • Hold a license to teach in the state you are licensed to teach
  • Have not had certification or license requirements waived on an emergency, temporary, or provisional basis In addition to the above… You may be qualified as an Elementary school teacher, who is new to the profession, if you:Have at least a bachelor’s degree
  • Have demonstrated adequate teaching skills by passing any state tests, or having subject knowledge of reading, writing, mathematics and other basic areas of elementary education.A middle or secondary school teacher who is new to the profession is highly qualified if the teacher: Holds at least a bachelor’s degreeHas demonstrated a high level of competence in each of the academic subjects in which the teacher teaches
  • Have proven to have adequate teaching skills by passing any state tests, or having subject knowledge of reading, writing, mathematics and other basic areas of elementary education

An elementary, middle, or secondary school teacher who is not new to the profession is highly qualified if the teacher: 

  • Holds at least a Bachelor’s Degree
  • Meets the applicable standards of an elementary, middle, or secondary school teacher who is new to the profession; or
  • Demonstrates competence in all the academic subjects in which the teacher teaches based on a high objective uniform state standard of evaluation that;
  • Is set by the state for both grade-appropriate academic subject matter knowledge and teaching skills;
  • Is aligned with challenging state academic content and student academic achievement standards and developed in consultation with core content specialists, teachers, principals, and school administrators;
  • Provides objective, coherent information about the teacher’s attainment of core content knowledge in the academic subjects in which a teacher teaches;
  • Is applied uniformly to all teachers in the same academic subject and the same grade level throughout the state;
  • Takes into consideration, but is not based primarily on the time the teacher has been teaching in the academic subject;
  • Is made available to the public upon request; and may involve multiple, objective measures of teacher competency.

Is the school at which I teach a low-income school? 

  • Each year, the U.S. Department of Education publishes a list of low-income elementary and secondary schools. Questions about the inclusion or omission of a particular school must be directed to the state education agency contact in the state where the school is located. For 2014-2015, see if your school is listed by clicking this link. (must open in a new browser)

What if I teach at an educational service agency? 

  • If you teach at an educational service agency, your teaching service may qualify if the consecutive five-year period includes qualifying service at an eligible education service agency performed after the 2007–08 academic year.

CALL US TODAY TO INQUIRE ABOUT THE PSLF PROGRAM

AND FIND OUT IF YOU QUALIFY!!

CALL TODAY: 1-844-867-5623

IF YOU HAVE FEDERAL LOANS FROM ONE OF THESE LENDERS WE CAN HELP

Student Doc and Prep

Office: 4730 S. Fort Apache Rd.
Las Vegas, NV 89147

Phone: (844) 867-5623

Email: [email protected]

Student Doc And Prep is not affiliated with the United States Department of Education or any U.S. government offices or branches. Student Doc And Prep has no influence in any decisions made by the Department of Education. Student Doc And Prep is strictly a document preparation service.

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