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The dirty little secret to the student loan industry is that schools, lenders, and student loan servicing companies don’t want you to know about these forgiveness benefits, but thanks to the power of the Internet, you’ve now uncovered the biggest secret about student loans: they’re not that hard to get rid of!

First, you’ll have to determine whether your loans are Federal, or Private, and then you’ll need to navigate to the section of this page covering your type of loan, as your loan type is the most important factor in determining which programs you’ll qualify for.

As I mentioned earlier in this post, here’s the basic rundown on all the amazing Federal Student Loan Forgiveness Programs available this year.

Below, I’ll go through each available Forgiveness and Discharge program in detail, so prepare for heavy reading, because you’ll need to get into specifics to determine which program will work best for you.

In fact, as far as I know, Obama Loan Forgiveness introduced the first time the general public became aware that they could qualify for complete student loan forgiveness benefits, and revolutionized the student loan industry.

To qualify for Obama forgiveness, all you have to do is sign up for either the Pay As You Earn Student Loan Repayment Plan, or the REPAYE Student Loan Repayment Plan, then make 20 years worth of payments toward your loans, and whatever amount you still owe will be entirely forgiven.

The difference between them is that Forgiveness programs typically take a longer time to qualify for, whereas Discharge programs let you get rid of your loans in an instant.

Most Forgiveness programs only allow you to get rid of your loans after you’ve made a certain number of payments toward them (typically, they require 10, 15 or 20 years worth of payments), but they’re the type of program more people will qualify for, since they’ve got easier eligibility conditions.

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