Student loan forgiveness is available now.
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Forgiveness Options
Do you qualify to have your student loan balance forgiven? Find out what it takes to get you enrolled in one of the many available programs to help your student loan debt.
Repayment Options
There are many repayment options available for different financial situations. See if your financial status may qualify you for special loan repayment options.
Private Loans
The common misconception is that no help is available for private student loan debt. Let us review your loan to see what options are available for your private student loan debt.
$1,000,000’s saved already, are you next?
Navigating student loan forgiveness programs can be tricky, we take the guesswork out of it! Student Loan Zap offers simple options based on a few qualifying questions about your loan.
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Do you qualify for loan forgiveness? Try these repayment plans.
Standard Repayment – The borrower will pay a fix amount each month for the life of the loan. The payment would be determined by your borrowed amount, interest rate, and term of the loan.
Graduated Repayment – The borrower would make payments lower than the standard repayment plan, but would gradually increase every two years.
Income-Contingent (ICR) – In this plan, the borrower would make payments based on their income, family size, loan balance, and interest rate.Borrowers in the ICR can have a payment as low as $0.00/mo.
Income-Based (IBR) – This plan bases the borrowers payment strictly on their income and family size. The balance of the loan and interest rate are not used in calculating the monthly payment. The borrower would be responsible to pay 15% of their discretionary income to their federal student loans. Borrowers in the IBR can have a payment as low as $0.00/mo.
Pay As You Earn (PAYE) – This plan usually has the lowest monthly payment, and is also based on your income but uses 10% of your discretionary income as a payment instead of the 15% used in IBR. Qualifying for the PAYE repayment plan is more difficult than the others. Borrowers in the PAYE can have a payment as low as $0.00/mo.
I Can Rest Easier
“When I went to school I had dreams of making a great living. I had the horrible realization that there seem to be more graduates than jobs. My debt was through the roof. Now I can rest easier knowing I have assistance with my loans.”
– Jolene D.
Awesome Support
“Your company is so helpful. I tried other companies and got nowhere, I felt like i was dealing with robots, not with Student Loan Zap. I actually got to speak with humans that were very willing to help and they knew what they were doing.”
– Mark M.
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“I am totally surprised they were able to help me out! Thank you!!!”
– Tiffany W.
Zapping student loans is our job!
“I never imagined it would be so easy to get help with my student loans. The process was surprisingly quick and painless and I’ve had nothing but great results, thanks you guys!”
— Ethan Watts
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