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LOWER YOUR STUDENT LOAN
PAYMENT BY UP TO 90%
REFINANCE YOUR STUDENT
LOAN TODAY!
Advantages of refinancing your current student loan to a new Federal IBR Student Loans
  • Lower your monthly payment for up to 90%, pay based on what you earn—Under IBR, your monthly payment amount will be 15% of your discretionary income, will never be more than the amount you would be required to pay under the 10-year Standard Repayment Plan, and may be less than under other repayment plans.
  • Interest payment benefit—If your monthly IBR payment amount doesn’t cover the interest that accrues (accumulates) on your loans each month, the government will pay your unpaid accrued interest on your Direct Subsidized Loans or Subsidized Federal Stafford Loans (and on the subsidized portion of your Direct or FFEL Loans) for up to three consecutive years from the date you began repaying your loan under IBR.
  • Limitation on the capitalization of interest—While you have a partial financial hardship, interest that accrues but is not covered by your loan payments will not be capitalized, even if interest accrues during a deferment or forbearance.
  • 25-year forgiveness—If you repay under IBR and meet certain other requirements, any remaining balance will be forgiven after 25 years of qualifying repayment.
  • 10-year public service loan forgiveness—If, while you are employed full-time for a public service organization, you make 120 on-time, full monthly payments under IBR (or certain other repayment plans) you may be eligible to receive forgiveness of the remaining balance of your Direct Loans through the Public Service Loan Forgiveness Program.
Additional benefits of refinancing your current student loan to a new Federal IBR Student Loan
  • Get Federal Student Loan out of Default
  • Stop Wage Garnishment
  • Prevent Tax Liens or Tax Refund offsets
  • Restore your eligibility for Financial Aid
  • Restore Forbearances & Deferment
  • Obtain your Diploma & Transcripts
Currently having your paycheck garnished?
yes no
Currently having your IRS tax refund offset?
yes no
Are Any of your federal student loans in default?
yes no
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