FREE, STUDENT LOAN ADVICE The Institute of Student Loan Advisors (TISLA) was created to ensure that all consumers have access to fair, free, student loan advice and dispute resolution. We will never charge consumers for our services and do not require registration or affiliation to utilize our services. While we encourage all student loan borrowers to talk to their loan holders for help, we understand that sometimes

ABOUT US - TISLA

About Us. See the News Page for Info on Relief Available to Those Impacted by the Pandemic. The Institute of Student Loan Advisors Corporation (TISLA) was founded to ensure that all student loan borrowers have access to free, neutral and clear student loan advice and dispute resolution assistance. We are a 501 (c) (3) non-profit who

believes

OUR STAFF - TISLA - FREE, STUDENT LOAN ADVICE Betsy is the President and Founder of The Institute of Student Loan Advisors (TISLA). She has been working in the student loan industry doing compliance and advocacy work for over 20 years and has helped thousands of borrowers with their student loans. Betsy has served as a primary negotiator for several federal Title IV negotiated rulemaking

CONTACT US - TISLA

If you are a borrower with questions about their student loans. You can send your questions to tisla@ freestudentloanadvice.org Helpful things to include in your email are: What status your loans are in – are they in default, past due, in school status? If you are struggling with repayment, what is your situation that is causing you to

struggle.

INCOME-DRIVEN REPAYMENT FORGIVENESS Income-Driven Repayment Forgiveness. Who It’s For: Borrowers who sign up for one of the income-driven payment plans (such as income-based repayment, income-contingent repayment, Pay As You Earn, or REPAYE) and make eligible on-time payments for an extended period of time.This usually means 20-25 years, depending on which plan you use and other loan details. FEDERAL FAMILY EDUCATION LOAN PROGRAM (FFELP) REPAYMENT Federal Family Education Loan Program (FFELP) loans have the quite a few options for repayment. Below is a summary of these plans. You can see what your payment would be under each plan by using this calculator.. Note that no payments made on an FFELP loan BORROWER DEFENSE TO REPAYMENT DISCHARGE Borrower Defense to Repayment Discharge. March, 2021 Update: The current administration has announced that borrowers who had received approvals for this discharge in the past, but only received partial or no relief, would be receiving 100% relief of the associated loans. They have also announced that another rulemaking session would be

initiated.

UNITED STATES DEPARTMENT OF EDUCATION ED-Aspire see ED-MOHELA ED-Cornerstone Report New Issues: CSOmb@mycornerstoneloan.org Please direct all inquiries to the following telephone number: (801) 321-7138 ED-ECSI (Perkins Loans) Intake Listing (used by our call center reps) ECSI (Perkins Loans) FOR BORROWERS: (866) 313-3797 Borrower Payment Address: COLLEGE LOAN CORPORATION 10100 West Charleston Blvd., Suite 130 Las Vegas, NV 89135 Russ Theriault Director of Compliance (702) 777-8405 rtheriault@collegeloan.com CHASE STUDENT LOANS (FORMERLY KNOWN AS CFS-SUNTECH) P.O. Box 523 Madison, MS 39130 First Contact for Borrowers (800)

489-5005

FREE, STUDENT LOAN ADVICE The Institute of Student Loan Advisors (TISLA) was created to ensure that all consumers have access to fair, free, student loan advice and dispute resolution. We will never charge consumers for our services and do not require registration or affiliation to utilize our services. While we encourage all student loan borrowers to talk to their loan holders for help, we understand that sometimes

ABOUT US - TISLA

About Us. See the News Page for Info on Relief Available to Those Impacted by the Pandemic. The Institute of Student Loan Advisors Corporation (TISLA) was founded to ensure that all student loan borrowers have access to free, neutral and clear student loan advice and dispute resolution assistance. We are a 501 (c) (3) non-profit who

believes

OUR STAFF - TISLA - FREE, STUDENT LOAN ADVICE Betsy is the President and Founder of The Institute of Student Loan Advisors (TISLA). She has been working in the student loan industry doing compliance and advocacy work for over 20 years and has helped thousands of borrowers with their student loans. Betsy has served as a primary negotiator for several federal Title IV negotiated rulemaking

CONTACT US - TISLA

If you are a borrower with questions about their student loans. You can send your questions to tisla@ freestudentloanadvice.org Helpful things to include in your email are: What status your loans are in – are they in default, past due, in school status? If you are struggling with repayment, what is your situation that is causing you to

struggle.

INCOME-DRIVEN REPAYMENT FORGIVENESS Income-Driven Repayment Forgiveness. Who It’s For: Borrowers who sign up for one of the income-driven payment plans (such as income-based repayment, income-contingent repayment, Pay As You Earn, or REPAYE) and make eligible on-time payments for an extended period of time.This usually means 20-25 years, depending on which plan you use and other loan details. FEDERAL FAMILY EDUCATION LOAN PROGRAM (FFELP) REPAYMENT Federal Family Education Loan Program (FFELP) loans have the quite a few options for repayment. Below is a summary of these plans. You can see what your payment would be under each plan by using this calculator.. Note that no payments made on an FFELP loan BORROWER DEFENSE TO REPAYMENT DISCHARGE Borrower Defense to Repayment Discharge. March, 2021 Update: The current administration has announced that borrowers who had received approvals for this discharge in the past, but only received partial or no relief, would be receiving 100% relief of the associated loans. They have also announced that another rulemaking session would be

initiated.

UNITED STATES DEPARTMENT OF EDUCATION ED-Aspire see ED-MOHELA ED-Cornerstone Report New Issues: CSOmb@mycornerstoneloan.org Please direct all inquiries to the following telephone number: (801) 321-7138 ED-ECSI (Perkins Loans) Intake Listing (used by our call center reps) ECSI (Perkins Loans) FOR BORROWERS: (866) 313-3797 Borrower Payment Address: COLLEGE LOAN CORPORATION 10100 West Charleston Blvd., Suite 130 Las Vegas, NV 89135 Russ Theriault Director of Compliance (702) 777-8405 rtheriault@collegeloan.com CHASE STUDENT LOANS (FORMERLY KNOWN AS CFS-SUNTECH) P.O. Box 523 Madison, MS 39130 First Contact for Borrowers (800)

489-5005

NEWS - TISLA - FREE, STUDENT LOAN ADVICE Pandemic makes Public Service Loan Forgiveness more difficult. December 11, 2020. TISLA News. Nearly 25% of people with student loans working in nonprofits or public service have had a significant change in their work situation during the pandemic” great article about the pandemic’s impact on eligibility for Public Service Loan Forgiveness

ABOUT US - TISLA

About Us. See the News Page for Info on Relief Available to Those Impacted by the Pandemic. The Institute of Student Loan Advisors Corporation (TISLA) was founded to ensure that all student loan borrowers have access to free, neutral and clear student loan advice and dispute resolution assistance. We are a 501 (c) (3) non-profit who

believes

CONTACT US - TISLA

If you are a borrower with questions about their student loans. You can send your questions to tisla@ freestudentloanadvice.org Helpful things to include in your email are: What status your loans are in – are they in default, past due, in school status? If you are struggling with repayment, what is your situation that is causing you to

struggle.

DEFERMENT - TISLA

Deferment. Deferments are temporary postponement of payments that are allowed on federal student loans. While in deferment, any subsidized loans you have will not accrue interest, but any unsubsidized loans will continue to accrue interest. You may pay this interest during the

deferment

FORGIVENESS PROGRAMS Important Note: The list below contains only a general overview of each program.Most loan forgiveness options have very strict, precise qualifications that must be met before you can successfully apply. Click the associated links and/or directly contact its provider to find out more about each option. No loan forgiveness option is set in stone, and some of these programs may have altered their FEDERAL DIRECT LOAN REPAYMENT OPTIONS Federal Direct Loans (DL) have the most options for repayment. Below is a summary of these plans. You can see what your payment would be under each plan by using this calculator.The feds also have a calculator which you can find here.

BANKRUPTCY - TISLA

Normally when you file for bankruptcy, you expect to have your unsecured debt discharged as part of the case. Although all federal student loans and most private student loans are unsecured loans, student loans are treated differently from other unsecured loans in bankruptcy. Student loans, whether federal or private, can be

discharged only if

OMBUDSMAN LIST

P.O. Box 110505 Juneau, AK 99811-0505. First Contact Heather Carlton Customer Service Supervisor (907) 465-6761 FAX: (907) 465-5316 heather.carlton@alaska.gov

I HAVE A DISPUTE

Making your request in writing does two things, it ensures you can clearly explain your questions and disputes, and allows you to receive a response in writing for your records. Your loan holder will list contacts on its web site. If you don’t know who your loan holder is, you can find it on www.nslds.ed.gov for federal loans, and your credit FALSE CERTIFICATION DISCHARGE: ABILITY TO BENEFIT False Certification Discharge: Ability to Benefit. Who It’s For: Students who were given loans for higher education despite failure to provide any proof they were prepared to begin their college studies, such as a high school diploma or GED. How to Apply: Fill out the false FREE, STUDENT LOAN ADVICE The Institute of Student Loan Advisors (TISLA) was created to ensure that all consumers have access to fair, free, student loan advice and dispute resolution. We will never charge consumers for our services and do not require registration or affiliation to utilize our services. While we encourage all student loan borrowers to talk to their loan holders for help, we understand that sometimes

OUR STAFF - TISLA

Betsy Mayotte. Betsy is the President and Founder of The Institute of Student Loan Advisors (TISLA). She has been working in the student loan industry doing compliance and advocacy work for over 20 years and has helped thousands of borrowers with their student loans. INCOME-DRIVEN REPAYMENT FORGIVENESS Income-Driven Repayment Forgiveness. Who It’s For: Borrowers who sign up for one of the income-driven payment plans (such as income-based repayment, income-contingent repayment, Pay As You Earn, or REPAYE) and make eligible on-time payments for an extended period of time.This usually means 20-25 years, depending on which plan you use and other loan details. FEDERAL FAMILY EDUCATION LOAN PROGRAM (FFELP) REPAYMENT Federal Family Education Loan Program (FFELP) loans have the quite a few options for repayment. Below is a summary of these plans. You can see what your payment would be under each plan by using this calculator.. Note that no payments made on an FFELP loan FEDERAL DIRECT LOAN REPAYMENT OPTIONS Federal Direct Loans (DL) have the most options for repayment. Below is a summary of these plans. You can see what your payment would be under each plan by using this calculator.The feds also have a calculator which you can find here. UNITED STATES DEPARTMENT OF EDUCATION ED-Aspire see ED-MOHELA ED-Cornerstone Report New Issues: CSOmb@mycornerstoneloan.org Please direct all inquiries to the following telephone number: (801) 321-7138 ED-ECSI (Perkins Loans) Intake Listing (used by our call center reps) ECSI (Perkins Loans) FOR BORROWERS: (866) 313-3797 Borrower Payment Address: BORROWER DEFENSE TO REPAYMENT DISCHARGE March, 2021 Update: The current administration has announced that borrowers who had received approvals for this discharge in the past, but only received partial or no relief, would be receiving 100% relief of the associated loans. They have also announced that FALSE CERTIFICATION DISCHARGE: ABILITY TO BENEFIT False Certification Discharge: Ability to Benefit. Who It’s For: Students who were given loans for higher education despite failure to provide any proof they were prepared to begin their college studies, such as a high school diploma or GED. How to Apply: Fill out the false certification discharge application and send it to your servicer. What Loans Qualify: Federal loans in the Direct loan IOWA REGISTERED NURSE & NURSE EDUCATOR LOAN FORGIVENESS Iowa Registered Nurse & Nurse Educator Loan Forgiveness Program. Who It’s For: Registered nurses employed in Iowa and nurse educators teaching at eligible Iowa colleges and universities. How to Apply: Apply online through the Iowa Financial Aid Application. What Loans Qualify: Stafford or Consolidation loans. How Much?: Up to 20% of your total loan balance per year. The maximum award cannot CHASE STUDENT LOANS (FORMERLY KNOWN AS CFS-SUNTECH) P.O. Box 523 Madison, MS 39130 First Contact for Borrowers (800)

489-5005

FREE, STUDENT LOAN ADVICE The Institute of Student Loan Advisors (TISLA) was created to ensure that all consumers have access to fair, free, student loan advice and dispute resolution. We will never charge consumers for our services and do not require registration or affiliation to utilize our services. While we encourage all student loan borrowers to talk to their loan holders for help, we understand that sometimes

OUR STAFF - TISLA

Betsy Mayotte. Betsy is the President and Founder of The Institute of Student Loan Advisors (TISLA). She has been working in the student loan industry doing compliance and advocacy work for over 20 years and has helped thousands of borrowers with their student loans. INCOME-DRIVEN REPAYMENT FORGIVENESS Income-Driven Repayment Forgiveness. Who It’s For: Borrowers who sign up for one of the income-driven payment plans (such as income-based repayment, income-contingent repayment, Pay As You Earn, or REPAYE) and make eligible on-time payments for an extended period of time.This usually means 20-25 years, depending on which plan you use and other loan details. FEDERAL FAMILY EDUCATION LOAN PROGRAM (FFELP) REPAYMENT Federal Family Education Loan Program (FFELP) loans have the quite a few options for repayment. Below is a summary of these plans. You can see what your payment would be under each plan by using this calculator.. Note that no payments made on an FFELP loan FEDERAL DIRECT LOAN REPAYMENT OPTIONS Federal Direct Loans (DL) have the most options for repayment. Below is a summary of these plans. You can see what your payment would be under each plan by using this calculator.The feds also have a calculator which you can find here. UNITED STATES DEPARTMENT OF EDUCATION ED-Aspire see ED-MOHELA ED-Cornerstone Report New Issues: CSOmb@mycornerstoneloan.org Please direct all inquiries to the following telephone number: (801) 321-7138 ED-ECSI (Perkins Loans) Intake Listing (used by our call center reps) ECSI (Perkins Loans) FOR BORROWERS: (866) 313-3797 Borrower Payment Address: BORROWER DEFENSE TO REPAYMENT DISCHARGE March, 2021 Update: The current administration has announced that borrowers who had received approvals for this discharge in the past, but only received partial or no relief, would be receiving 100% relief of the associated loans. They have also announced that FALSE CERTIFICATION DISCHARGE: ABILITY TO BENEFIT False Certification Discharge: Ability to Benefit. Who It’s For: Students who were given loans for higher education despite failure to provide any proof they were prepared to begin their college studies, such as a high school diploma or GED. How to Apply: Fill out the false certification discharge application and send it to your servicer. What Loans Qualify: Federal loans in the Direct loan IOWA REGISTERED NURSE & NURSE EDUCATOR LOAN FORGIVENESS Iowa Registered Nurse & Nurse Educator Loan Forgiveness Program. Who It’s For: Registered nurses employed in Iowa and nurse educators teaching at eligible Iowa colleges and universities. How to Apply: Apply online through the Iowa Financial Aid Application. What Loans Qualify: Stafford or Consolidation loans. How Much?: Up to 20% of your total loan balance per year. The maximum award cannot CHASE STUDENT LOANS (FORMERLY KNOWN AS CFS-SUNTECH) P.O. Box 523 Madison, MS 39130 First Contact for Borrowers (800)

489-5005

NEWS - TISLA - FREE, STUDENT LOAN ADVICE Information: The Institute of Student Loan Advisors Betsy Mayotte. betsy@freestudentloanadvice.org. 978-835-9934. FOR IMMEDIATE RELEASE. Student Loan Industry Participants Launch Campaign to Warn Consumers About Student Loan Scams

ABOUT US - TISLA

See the News Page for Info on Relief Available to Those Impacted by the Pandemic. The Institute of Student Loan Advisors Corporation (TISLA) was founded to ensure that all student loan borrowers have access to free, neutral and clear student loan advice and dispute resolution assistance.

CONTACT US - TISLA

Please note that we will be transitioning our email hosting beginning at noon on Friday, August 14th through Sunday August 16th. It is possible that emails sent between these times will not be received.

LOAN FORGIVENESS

First the bad news, most borrowers should expect to repay their student loans as agreed. With that said, there are many student loan repayment, discharge and forgiveness programs out there. Over time, we plan on having a comprehensive list, but for now, we’ll just talk about the most common programs.

OMBUDSMAN LIST

P.O. Box 110505 Juneau, AK 99811-0505. First Contact Heather Carlton Customer Service Supervisor (907) 465-6761 FAX: (907) 465-5316 heather.carlton@alaska.gov HELP ME CHOOSE A REPAYMENT PLAN Choosing the right repayment plan can be confusing. It’s important to think not only about the short term, but the long term. While you are (rightly) concerned about your current financial situation, it’s also important to think about how much interest you will pay during the life of the loan. With that in mind, if you remember nothing else remember that the name of the game is to pay the SHOULD I CONSOLIDATE MY LOANS Back in the early 2000’s, consolidation of student loans was a very common practice. The reason for this, especially for federal student loans, is that the loans at that time had variable interest rates.By consolidating when the rates were low, borrowers could lock in that lower interest rate. Starting in 2006, new federal student loans came with fixed interest rates, making consolidation FALSE CERTIFICATION DISCHARGE: ABILITY TO BENEFIT False Certification Discharge: Ability to Benefit. Who It’s For: Students who were given loans for higher education despite failure to provide any proof they were prepared to begin their college studies, such as a high school diploma or GED. How to Apply: Fill out the false certification discharge application and send it to your servicer. What Loans Qualify: Federal loans in the Direct loan ACTIVE DUTY HEALTH PROFESSIONS LOAN REPAYMENT PROGRAM Active Duty Health Professions Loan Repayment Program & Healthcare Professionals Loan Repayment Program. Who It’s For: Active duty & reserve officials in the United States Army Medical Corps, Allied Health Corps, Dental Corps, Nurse Corps, or Veterinary Corps. How to Apply: Go to the bottom of the Army Healthcare Professional Benefits page and select “Locate a Recruiter” or “Request THE INSTITUTE OF STUDENT LOAN ADVISORS ANNOUNCES THE Contact Information: The Institute of Student Loan Advisors Betsy Mayotte betsy@freestudentloanadvice.org 978-835-9934 FOR IMMEDIATE RELEASE The Institute of Student Loan Advisors Announces the Launch of Free Resource for All Student Loan Borrowers Plymouth, MA (November 16, 2017) – The FREE, STUDENT LOAN ADVICE The Institute of Student Loan Advisors (TISLA) was created to ensure that all consumers have access to fair, free, student loan advice and dispute resolution. We will never charge consumers for our services and do not require registration or affiliation to utilize our services. While we encourage all student loan borrowers to talk to their loan holders for help, we understand that sometimes OUR STAFF - TISLA - FREE, STUDENT LOAN ADVICE Betsy is the President and Founder of The Institute of Student Loan Advisors (TISLA). She has been working in the student loan industry doing compliance and advocacy work for over 20 years and has helped thousands of borrowers with their student loans. Betsy has served as a primary negotiator for several federal Title IV negotiated rulemaking

ABOUT US - TISLA

About Us. See the News Page for Info on Relief Available to Those Impacted by the Pandemic. The Institute of Student Loan Advisors Corporation (TISLA) was founded to ensure that all student loan borrowers have access to free, neutral and clear student loan advice and dispute resolution assistance. We are a 501 (c) (3) non-profit who

believes

CONTACT US - TISLA

If you are a borrower with questions about their student loans. You can send your questions to tisla@ freestudentloanadvice.org Helpful things to include in your email are: What status your loans are in – are they in default, past due, in school status? If you are struggling with repayment, what is your situation that is causing you to

struggle.

INCOME-DRIVEN REPAYMENT FORGIVENESS Income-Driven Repayment Forgiveness. Who It’s For: Borrowers who sign up for one of the income-driven payment plans (such as income-based repayment, income-contingent repayment, Pay As You Earn, or REPAYE) and make eligible on-time payments for an extended period of time.This usually means 20-25 years, depending on which plan you use and other loan details. FEDERAL DIRECT LOAN REPAYMENT OPTIONS Federal Direct Loans (DL) have the most options for repayment. Below is a summary of these plans. You can see what your payment would be under each plan by using this calculator.The feds also have a calculator which you can find here. BORROWER DEFENSE TO REPAYMENT DISCHARGE Borrower Defense to Repayment Discharge. March, 2021 Update: The current administration has announced that borrowers who had received approvals for this discharge in the past, but only received partial or no relief, would be receiving 100% relief of the associated loans. They have also announced that another rulemaking session would be

initiated.

IOWA REGISTERED NURSE & NURSE EDUCATOR LOAN FORGIVENESS Iowa Registered Nurse & Nurse Educator Loan Forgiveness Program. Who It’s For: Registered nurses employed in Iowa and nurse educators teaching at eligible Iowa colleges and universities. How to Apply: Apply online through the Iowa Financial Aid Application. What Loans Qualify: Stafford or Consolidation loans. How Much?: Up to 20% of your total loan balance per year. The maximum award cannot FALSE CERTIFICATION DISCHARGE: ABILITY TO BENEFIT False Certification Discharge: Ability to Benefit. Who It’s For: Students who were given loans for higher education despite failure to provide any proof they were prepared to begin their college studies, such as a high school diploma or GED. How to Apply: Fill out the false CHASE STUDENT LOANS (FORMERLY KNOWN AS CFS-SUNTECH) P.O. Box 523 Madison, MS 39130 First Contact for Borrowers (800)

489-5005

FREE, STUDENT LOAN ADVICE The Institute of Student Loan Advisors (TISLA) was created to ensure that all consumers have access to fair, free, student loan advice and dispute resolution. We will never charge consumers for our services and do not require registration or affiliation to utilize our services. While we encourage all student loan borrowers to talk to their loan holders for help, we understand that sometimes OUR STAFF - TISLA - FREE, STUDENT LOAN ADVICE Betsy is the President and Founder of The Institute of Student Loan Advisors (TISLA). She has been working in the student loan industry doing compliance and advocacy work for over 20 years and has helped thousands of borrowers with their student loans. Betsy has served as a primary negotiator for several federal Title IV negotiated rulemaking

ABOUT US - TISLA

About Us. See the News Page for Info on Relief Available to Those Impacted by the Pandemic. The Institute of Student Loan Advisors Corporation (TISLA) was founded to ensure that all student loan borrowers have access to free, neutral and clear student loan advice and dispute resolution assistance. We are a 501 (c) (3) non-profit who

believes

CONTACT US - TISLA

If you are a borrower with questions about their student loans. You can send your questions to tisla@ freestudentloanadvice.org Helpful things to include in your email are: What status your loans are in – are they in default, past due, in school status? If you are struggling with repayment, what is your situation that is causing you to

struggle.

INCOME-DRIVEN REPAYMENT FORGIVENESS Income-Driven Repayment Forgiveness. Who It’s For: Borrowers who sign up for one of the income-driven payment plans (such as income-based repayment, income-contingent repayment, Pay As You Earn, or REPAYE) and make eligible on-time payments for an extended period of time.This usually means 20-25 years, depending on which plan you use and other loan details. FEDERAL DIRECT LOAN REPAYMENT OPTIONS Federal Direct Loans (DL) have the most options for repayment. Below is a summary of these plans. You can see what your payment would be under each plan by using this calculator.The feds also have a calculator which you can find here. BORROWER DEFENSE TO REPAYMENT DISCHARGE Borrower Defense to Repayment Discharge. March, 2021 Update: The current administration has announced that borrowers who had received approvals for this discharge in the past, but only received partial or no relief, would be receiving 100% relief of the associated loans. They have also announced that another rulemaking session would be

initiated.

IOWA REGISTERED NURSE & NURSE EDUCATOR LOAN FORGIVENESS Iowa Registered Nurse & Nurse Educator Loan Forgiveness Program. Who It’s For: Registered nurses employed in Iowa and nurse educators teaching at eligible Iowa colleges and universities. How to Apply: Apply online through the Iowa Financial Aid Application. What Loans Qualify: Stafford or Consolidation loans. How Much?: Up to 20% of your total loan balance per year. The maximum award cannot FALSE CERTIFICATION DISCHARGE: ABILITY TO BENEFIT False Certification Discharge: Ability to Benefit. Who It’s For: Students who were given loans for higher education despite failure to provide any proof they were prepared to begin their college studies, such as a high school diploma or GED. How to Apply: Fill out the false CHASE STUDENT LOANS (FORMERLY KNOWN AS CFS-SUNTECH) P.O. Box 523 Madison, MS 39130 First Contact for Borrowers (800)

489-5005

NEWS - TISLA - FREE, STUDENT LOAN ADVICE Pandemic makes Public Service Loan Forgiveness more difficult. December 11, 2020. TISLA News. Nearly 25% of people with student loans working in nonprofits or public service have had a significant change in their work situation during the pandemic” great article about the pandemic’s impact on eligibility for Public Service Loan Forgiveness

ABOUT US - TISLA

About Us. See the News Page for Info on Relief Available to Those Impacted by the Pandemic. The Institute of Student Loan Advisors Corporation (TISLA) was founded to ensure that all student loan borrowers have access to free, neutral and clear student loan advice and dispute resolution assistance. We are a 501 (c) (3) non-profit who

believes

CONTACT US - TISLA

If you are a borrower with questions about their student loans. You can send your questions to tisla@ freestudentloanadvice.org Helpful things to include in your email are: What status your loans are in – are they in default, past due, in school status? If you are struggling with repayment, what is your situation that is causing you to

struggle.

PRIVATE LOAN REPAYMENT Private student loan options vary by lender, but are generally few and far between.This is because the Federal Trade Commission (FTC) considers private student loans as the same as most other consumer debts and do not allow lenders to substantially alter the original

terms of the loan.

DEFERMENT - TISLA - FREE, STUDENT LOAN ADVICE Deferment. Deferments are temporary postponement of payments that are allowed on federal student loans. While in deferment, any subsidized loans you have will not accrue interest, but any unsubsidized loans will continue to accrue interest. You may pay this interest during the

deferment

FALSE CERTIFICATION DISCHARGE: ABILITY TO BENEFIT False Certification Discharge: Ability to Benefit. Who It’s For: Students who were given loans for higher education despite failure to provide any proof they were prepared to begin their college studies, such as a high school diploma or GED. How to Apply: Fill out the false certification discharge application and send it to your servicer. What Loans Qualify: Federal loans in the Direct loan HELP ME CHOOSE A REPAYMENT PLAN Help Me Choose a Repayment Plan. Choosing the right repayment plan can be confusing. It’s important to think not only about the short term, but the long term. While you are (rightly) concerned about your current financial situation, it’s also important to think about how much interest you will pay during the life of the loan. With that in SHOULD I CONSOLIDATE MY LOANS Back in the early 2000’s, consolidation of student loans was a very common practice. The reason for this, especially for federal student loans, is that the loans at that time had variable interest rates.By consolidating when the rates were low, borrowers could lock in that lower interest rate. Starting in 2006, new federal student loans came with fixed interest rates, making consolidation

OMBUDSMAN LIST

P.O. Box 110505 Juneau, AK 99811-0505. First Contact Heather Carlton Customer Service Supervisor (907) 465-6761 FAX: (907) 465-5316 heather.carlton@alaska.gov ACTIVE DUTY HEALTH PROFESSIONS LOAN REPAYMENT PROGRAM Active Duty Health Professions Loan Repayment Program & Healthcare Professionals Loan Repayment Program. Who It’s For: Active duty & reserve officials in the United States Army Medical Corps, Allied Health Corps, Dental Corps, Nurse Corps, or Veterinary Corps. How to Apply: Go to the bottom of the Army Healthcare Professional Benefits page and select “Locate a Recruiter” or “Request FREE, STUDENT LOAN ADVICE The Institute of Student Loan Advisors (TISLA) was created to ensure that all consumers have access to fair, free, student loan advice and dispute resolution. We will never charge consumers for our services and do not require registration or affiliation to utilize our services. While we encourage all student loan borrowers to talk to their loan holders for help, we understand that sometimes NEWS - TISLA - FREE, STUDENT LOAN ADVICE Information: The Institute of Student Loan Advisors Betsy Mayotte. betsy@freestudentloanadvice.org. 978-835-9934. FOR IMMEDIATE RELEASE. Student Loan Industry Participants Launch Campaign to Warn Consumers About Student Loan Scams

ABOUT US - TISLA

About Us. See the News Page for Info on Relief Available to Those Impacted by the Pandemic. The Institute of Student Loan Advisors Corporation (TISLA) was founded to ensure that all student loan borrowers have access to free, neutral and clear student loan advice and dispute resolution assistance. We are a 501 (c) (3) non-profit who

believes

OUR STAFF - TISLA - FREE, STUDENT LOAN ADVICE Betsy is the President and Founder of The Institute of Student Loan Advisors (TISLA). She has been working in the student loan industry doing compliance and advocacy work for over 20 years and has helped thousands of borrowers with their student loans. Betsy has served as a primary negotiator for several federal Title IV negotiated rulemaking

CONTACT US - TISLA

If you are a borrower with questions about their student loans. You can send your questions to tisla@ freestudentloanadvice.org Helpful things to include in your email are: What status your loans are in – are they in default, past due, in school status? If you are struggling with repayment, what is your situation that is causing you to

struggle.

FORGIVENESS PROGRAMS Important Note: The list below contains only a general overview of each program.Most loan forgiveness options have very strict, precise qualifications that must be met before you can successfully apply. Click the associated links and/or directly contact its provider to find out more about each option. No loan forgiveness option is set in stone, and some of these programs may have altered their BORROWER DEFENSE TO REPAYMENT DISCHARGE Borrower Defense to Repayment Discharge. March, 2021 Update: The current administration has announced that borrowers who had received approvals for this discharge in the past, but only received partial or no relief, would be receiving 100% relief of the associated loans. They have also announced that another rulemaking session would be

initiated.

DEFERMENT - TISLA - FREE, STUDENT LOAN ADVICE Deferment. Deferments are temporary postponement of payments that are allowed on federal student loans. While in deferment, any subsidized loans you have will not accrue interest, but any unsubsidized loans will continue to accrue interest. You may pay this interest during the FEDERAL DIRECT LOAN REPAYMENT OPTIONS Federal Direct Loans (DL) have the most options for repayment. Below is a summary of these plans. You can see what your payment would be under each plan by using this calculator.The feds also have a calculator which you can find here. IOWA REGISTERED NURSE & NURSE EDUCATOR LOAN FORGIVENESS Iowa Registered Nurse & Nurse Educator Loan Forgiveness Program. Who It’s For: Registered nurses employed in Iowa and nurse educators teaching at eligible Iowa colleges and universities. How to Apply: Apply online through the Iowa Financial Aid Application. What Loans Qualify: Stafford or Consolidation loans. How Much?: Up to 20% of your total loan balance per year. The maximum award cannot FREE, STUDENT LOAN ADVICE The Institute of Student Loan Advisors (TISLA) was created to ensure that all consumers have access to fair, free, student loan advice and dispute resolution. We will never charge consumers for our services and do not require registration or affiliation to utilize our services. While we encourage all student loan borrowers to talk to their loan holders for help, we understand that sometimes NEWS - TISLA - FREE, STUDENT LOAN ADVICE Information: The Institute of Student Loan Advisors Betsy Mayotte. betsy@freestudentloanadvice.org. 978-835-9934. FOR IMMEDIATE RELEASE. Student Loan Industry Participants Launch Campaign to Warn Consumers About Student Loan Scams

ABOUT US - TISLA

About Us. See the News Page for Info on Relief Available to Those Impacted by the Pandemic. The Institute of Student Loan Advisors Corporation (TISLA) was founded to ensure that all student loan borrowers have access to free, neutral and clear student loan advice and dispute resolution assistance. We are a 501 (c) (3) non-profit who

believes

OUR STAFF - TISLA - FREE, STUDENT LOAN ADVICE Betsy is the President and Founder of The Institute of Student Loan Advisors (TISLA). She has been working in the student loan industry doing compliance and advocacy work for over 20 years and has helped thousands of borrowers with their student loans. Betsy has served as a primary negotiator for several federal Title IV negotiated rulemaking

CONTACT US - TISLA

If you are a borrower with questions about their student loans. You can send your questions to tisla@ freestudentloanadvice.org Helpful things to include in your email are: What status your loans are in – are they in default, past due, in school status? If you are struggling with repayment, what is your situation that is causing you to

struggle.

FORGIVENESS PROGRAMS Important Note: The list below contains only a general overview of each program.Most loan forgiveness options have very strict, precise qualifications that must be met before you can successfully apply. Click the associated links and/or directly contact its provider to find out more about each option. No loan forgiveness option is set in stone, and some of these programs may have altered their BORROWER DEFENSE TO REPAYMENT DISCHARGE Borrower Defense to Repayment Discharge. March, 2021 Update: The current administration has announced that borrowers who had received approvals for this discharge in the past, but only received partial or no relief, would be receiving 100% relief of the associated loans. They have also announced that another rulemaking session would be

initiated.

DEFERMENT - TISLA - FREE, STUDENT LOAN ADVICE Deferment. Deferments are temporary postponement of payments that are allowed on federal student loans. While in deferment, any subsidized loans you have will not accrue interest, but any unsubsidized loans will continue to accrue interest. You may pay this interest during the FEDERAL DIRECT LOAN REPAYMENT OPTIONS Federal Direct Loans (DL) have the most options for repayment. Below is a summary of these plans. You can see what your payment would be under each plan by using this calculator.The feds also have a calculator which you can find here. IOWA REGISTERED NURSE & NURSE EDUCATOR LOAN FORGIVENESS Iowa Registered Nurse & Nurse Educator Loan Forgiveness Program. Who It’s For: Registered nurses employed in Iowa and nurse educators teaching at eligible Iowa colleges and universities. How to Apply: Apply online through the Iowa Financial Aid Application. What Loans Qualify: Stafford or Consolidation loans. How Much?: Up to 20% of your total loan balance per year. The maximum award cannot NEWS - TISLA - FREE, STUDENT LOAN ADVICE Pandemic makes Public Service Loan Forgiveness more difficult. December 11, 2020. TISLA News. Nearly 25% of people with student loans working in nonprofits or public service have had a significant change in their work situation during the pandemic” great article about the pandemic’s impact on eligibility for Public Service Loan Forgiveness

CONTACT US - TISLA

If you are a borrower with questions about their student loans. You can send your questions to tisla@ freestudentloanadvice.org Helpful things to include in your email are: What status your loans are in – are they in default, past due, in school status? If you are struggling with repayment, what is your situation that is causing you to

struggle.

FORGIVENESS PROGRAMS Important Note: The list below contains only a general overview of each program.Most loan forgiveness options have very strict, precise qualifications that must be met before you can successfully apply. Click the associated links and/or directly contact its provider to find out more about each option. No loan forgiveness option is set in stone, and some of these programs may have altered their DEFERMENT - TISLA - FREE, STUDENT LOAN ADVICE Deferment. Deferments are temporary postponement of payments that are allowed on federal student loans. While in deferment, any subsidized loans you have will not accrue interest, but any unsubsidized loans will continue to accrue interest. You may pay this interest during the

deferment

I HAVE A DISPUTE

Making your request in writing does two things, it ensures you can clearly explain your questions and disputes, and allows you to receive a response in writing for your records. Your loan holder will list contacts on its web site. If you don’t know who your loan holder is, you can find it on www.nslds.ed.gov for federal loans, and your credit STUDENT LOAN STRATEGIES FOR THOSE AFFECTED BY COVID-19 Student Loan Strategies for Those Affected by COVID-19. March 13, 2020. TISLA News. Update: The COVID waivers have been extended until September 30, 2021. Hello friends. We’ve already seen a few posts about the virus so I thought I’d create one that specifically gave advice on how to manage your loans. We will update it as/if things

change.

HELP ME CHOOSE A REPAYMENT PLAN Help Me Choose a Repayment Plan. Choosing the right repayment plan can be confusing. It’s important to think not only about the short term, but the long term. While you are (rightly) concerned about your current financial situation, it’s also important to think about how much interest you will pay during the life of the loan. With that in GOVERNMENT REPAYMENT PROGRAMS Government Repayment Programs. There are many state and federal programs that can help you repay your student debt. The most common are the Department of Defense loan repayment program, AmeriCorps and the Peace Corps. The federal government also offers some loan repayment to its employees. We will outline the details of these in

the near future

INCOME-DRIVEN REPAYMENT FORGIVENESS Income-Driven Repayment Forgiveness. Who It’s For: Borrowers who sign up for one of the income-driven payment plans (such as income-based repayment, income-contingent repayment, Pay As You Earn, or REPAYE) and make eligible on-time payments for an extended period of time.This usually means 20-25 years, depending on which plan you use and other loan details.

BANKRUPTCY - TISLA

Normally when you file for bankruptcy, you expect to have your unsecured debt discharged as part of the case. Although all federal student loans and most private student loans are unsecured loans, student loans are treated differently from other unsecured loans in bankruptcy. Student loans, whether federal or private, can be

discharged only if

FREE, STUDENT LOAN ADVICE The Institute of Student Loan Advisors (TISLA) was created to ensure that all consumers have access to fair, free, student loan advice and dispute resolution. We will never charge consumers for our services and do not require registration or affiliation to utilize our services. While we encourage all student loan borrowers to talk to their loan holders for help, we understand that sometimes NEWS - TISLA - FREE, STUDENT LOAN ADVICE Information: The Institute of Student Loan Advisors Betsy Mayotte. betsy@freestudentloanadvice.org. 978-835-9934. FOR IMMEDIATE RELEASE. Student Loan Industry Participants Launch Campaign to Warn Consumers About Student Loan Scams

ABOUT US - TISLA

About Us. See the News Page for Info on Relief Available to Those Impacted by the Pandemic. The Institute of Student Loan Advisors Corporation (TISLA) was founded to ensure that all student loan borrowers have access to free, neutral and clear student loan advice and dispute resolution assistance. We are a 501 (c) (3) non-profit who

believes

OUR STAFF - TISLA - FREE, STUDENT LOAN ADVICE Betsy is the President and Founder of The Institute of Student Loan Advisors (TISLA). She has been working in the student loan industry doing compliance and advocacy work for over 20 years and has helped thousands of borrowers with their student loans. Betsy has served as a primary negotiator for several federal Title IV negotiated rulemaking

CONTACT US - TISLA

If you are a borrower with questions about their student loans. You can send your questions to tisla@ freestudentloanadvice.org Helpful things to include in your email are: What status your loans are in – are they in default, past due, in school status? If you are struggling with repayment, what is your situation that is causing you to

struggle.

FORGIVENESS PROGRAMS Important Note: The list below contains only a general overview of each program.Most loan forgiveness options have very strict, precise qualifications that must be met before you can successfully apply. Click the associated links and/or directly contact its provider to find out more about each option. No loan forgiveness option is set in stone, and some of these programs may have altered their BORROWER DEFENSE TO REPAYMENT DISCHARGE Borrower Defense to Repayment Discharge. March, 2021 Update: The current administration has announced that borrowers who had received approvals for this discharge in the past, but only received partial or no relief, would be receiving 100% relief of the associated loans. They have also announced that another rulemaking session would be

initiated.

DEFERMENT - TISLA - FREE, STUDENT LOAN ADVICE Deferment. Deferments are temporary postponement of payments that are allowed on federal student loans. While in deferment, any subsidized loans you have will not accrue interest, but any unsubsidized loans will continue to accrue interest. You may pay this interest during the FEDERAL DIRECT LOAN REPAYMENT OPTIONS Federal Direct Loans (DL) have the most options for repayment. Below is a summary of these plans. You can see what your payment would be under each plan by using this calculator.The feds also have a calculator which you can find here. IOWA REGISTERED NURSE & NURSE EDUCATOR LOAN FORGIVENESSCALIFORNIA NURSE LOAN FORGIVENESSFLORIDA NURSE LOAN FORGIVENESSHRSA NURSE LOAN FORGIVENESSREGISTERED NURSE LOAN REPAYMENT PROGRAMNURSE SERVICE CORPS LOAN REPAYMENTCAN NURSES GET STUDENT LOAN FORGIVENESS Iowa Registered Nurse & Nurse Educator Loan Forgiveness Program. Who It’s For: Registered nurses employed in Iowa and nurse educators teaching at eligible Iowa colleges and universities. How to Apply: Apply online through the Iowa Financial Aid Application. What Loans Qualify: Stafford or Consolidation loans. How Much?: Up to 20% of your total loan balance per year. The maximum award cannot FREE, STUDENT LOAN ADVICE The Institute of Student Loan Advisors (TISLA) was created to ensure that all consumers have access to fair, free, student loan advice and dispute resolution. We will never charge consumers for our services and do not require registration or affiliation to utilize our services. While we encourage all student loan borrowers to talk to their loan holders for help, we understand that sometimes NEWS - TISLA - FREE, STUDENT LOAN ADVICE Information: The Institute of Student Loan Advisors Betsy Mayotte. betsy@freestudentloanadvice.org. 978-835-9934. FOR IMMEDIATE RELEASE. Student Loan Industry Participants Launch Campaign to Warn Consumers About Student Loan Scams

ABOUT US - TISLA

About Us. See the News Page for Info on Relief Available to Those Impacted by the Pandemic. The Institute of Student Loan Advisors Corporation (TISLA) was founded to ensure that all student loan borrowers have access to free, neutral and clear student loan advice and dispute resolution assistance. We are a 501 (c) (3) non-profit who

believes

OUR STAFF - TISLA - FREE, STUDENT LOAN ADVICE Betsy is the President and Founder of The Institute of Student Loan Advisors (TISLA). She has been working in the student loan industry doing compliance and advocacy work for over 20 years and has helped thousands of borrowers with their student loans. Betsy has served as a primary negotiator for several federal Title IV negotiated rulemaking

CONTACT US - TISLA

If you are a borrower with questions about their student loans. You can send your questions to tisla@ freestudentloanadvice.org Helpful things to include in your email are: What status your loans are in – are they in default, past due, in school status? If you are struggling with repayment, what is your situation that is causing you to

struggle.

FORGIVENESS PROGRAMS Important Note: The list below contains only a general overview of each program.Most loan forgiveness options have very strict, precise qualifications that must be met before you can successfully apply. Click the associated links and/or directly contact its provider to find out more about each option. No loan forgiveness option is set in stone, and some of these programs may have altered their BORROWER DEFENSE TO REPAYMENT DISCHARGE Borrower Defense to Repayment Discharge. March, 2021 Update: The current administration has announced that borrowers who had received approvals for this discharge in the past, but only received partial or no relief, would be receiving 100% relief of the associated loans. They have also announced that another rulemaking session would be

initiated.

DEFERMENT - TISLA - FREE, STUDENT LOAN ADVICE Deferment. Deferments are temporary postponement of payments that are allowed on federal student loans. While in deferment, any subsidized loans you have will not accrue interest, but any unsubsidized loans will continue to accrue interest. You may pay this interest during the FEDERAL DIRECT LOAN REPAYMENT OPTIONS Federal Direct Loans (DL) have the most options for repayment. Below is a summary of these plans. You can see what your payment would be under each plan by using this calculator.The feds also have a calculator which you can find here. IOWA REGISTERED NURSE & NURSE EDUCATOR LOAN FORGIVENESSCALIFORNIA NURSE LOAN FORGIVENESSFLORIDA NURSE LOAN FORGIVENESSHRSA NURSE LOAN FORGIVENESSREGISTERED NURSE LOAN REPAYMENT PROGRAMNURSE SERVICE CORPS LOAN REPAYMENTCAN NURSES GET STUDENT LOAN FORGIVENESS Iowa Registered Nurse & Nurse Educator Loan Forgiveness Program. Who It’s For: Registered nurses employed in Iowa and nurse educators teaching at eligible Iowa colleges and universities. How to Apply: Apply online through the Iowa Financial Aid Application. What Loans Qualify: Stafford or Consolidation loans. How Much?: Up to 20% of your total loan balance per year. The maximum award cannot NEWS - TISLA - FREE, STUDENT LOAN ADVICE Pandemic makes Public Service Loan Forgiveness more difficult. December 11, 2020. TISLA News. Nearly 25% of people with student loans working in nonprofits or public service have had a significant change in their work situation during the pandemic” great article about the pandemic’s impact on eligibility for Public Service Loan Forgiveness

CONTACT US - TISLA

If you are a borrower with questions about their student loans. You can send your questions to tisla@ freestudentloanadvice.org Helpful things to include in your email are: What status your loans are in – are they in default, past due, in school status? If you are struggling with repayment, what is your situation that is causing you to

struggle.

FORGIVENESS PROGRAMS Important Note: The list below contains only a general overview of each program.Most loan forgiveness options have very strict, precise qualifications that must be met before you can successfully apply. Click the associated links and/or directly contact its provider to find out more about each option. No loan forgiveness option is set in stone, and some of these programs may have altered their DEFERMENT - TISLA - FREE, STUDENT LOAN ADVICE Deferment. Deferments are temporary postponement of payments that are allowed on federal student loans. While in deferment, any subsidized loans you have will not accrue interest, but any unsubsidized loans will continue to accrue interest. You may pay this interest during the

deferment

I HAVE A DISPUTE

Making your request in writing does two things, it ensures you can clearly explain your questions and disputes, and allows you to receive a response in writing for your records. Your loan holder will list contacts on its web site. If you don’t know who your loan holder is, you can find it on www.nslds.ed.gov for federal loans, and your credit STUDENT LOAN STRATEGIES FOR THOSE AFFECTED BY COVID-19 Student Loan Strategies for Those Affected by COVID-19. March 13, 2020. TISLA News. Update: The COVID waivers have been extended until September 30, 2021. Hello friends. We’ve already seen a few posts about the virus so I thought I’d create one that specifically gave advice on how to manage your loans. We will update it as/if things

change.

HELP ME CHOOSE A REPAYMENT PLAN Help Me Choose a Repayment Plan. Choosing the right repayment plan can be confusing. It’s important to think not only about the short term, but the long term. While you are (rightly) concerned about your current financial situation, it’s also important to think about how much interest you will pay during the life of the loan. With that in GOVERNMENT REPAYMENT PROGRAMS Government Repayment Programs. There are many state and federal programs that can help you repay your student debt. The most common are the Department of Defense loan repayment program, AmeriCorps and the Peace Corps. The federal government also offers some loan repayment to its employees. We will outline the details of these in

the near future

INCOME-DRIVEN REPAYMENT FORGIVENESS Income-Driven Repayment Forgiveness. Who It’s For: Borrowers who sign up for one of the income-driven payment plans (such as income-based repayment, income-contingent repayment, Pay As You Earn, or REPAYE) and make eligible on-time payments for an extended period of time.This usually means 20-25 years, depending on which plan you use and other loan details.

BANKRUPTCY - TISLA

Normally when you file for bankruptcy, you expect to have your unsecured debt discharged as part of the case. Although all federal student loans and most private student loans are unsecured loans, student loans are treated differently from other unsecured loans in bankruptcy. Student loans, whether federal or private, can be

discharged only if

FREE, STUDENT LOAN ADVICE The Institute of Student Loan Advisors (TISLA) was created to ensure that all consumers have access to fair, free, student loan advice and dispute resolution. We will never charge consumers for our services and do not require registration or affiliation to utilize our services. While we encourage all student loan borrowers to talk to their loan holders for help, we understand that sometimes NEWS - TISLA - FREE, STUDENT LOAN ADVICE Information: The Institute of Student Loan Advisors Betsy Mayotte. betsy@freestudentloanadvice.org. 978-835-9934. FOR IMMEDIATE RELEASE. Student Loan Industry Participants Launch Campaign to Warn Consumers About Student Loan Scams

ABOUT US - TISLA

About Us. See the News Page for Info on Relief Available to Those Impacted by the Pandemic. The Institute of Student Loan Advisors Corporation (TISLA) was founded to ensure that all student loan borrowers have access to free, neutral and clear student loan advice and dispute resolution assistance. We are a 501 (c) (3) non-profit who

believes

OUR STAFF - TISLA - FREE, STUDENT LOAN ADVICE Betsy is the President and Founder of The Institute of Student Loan Advisors (TISLA). She has been working in the student loan industry doing compliance and advocacy work for over 20 years and has helped thousands of borrowers with their student loans. Betsy has served as a primary negotiator for several federal Title IV negotiated rulemaking

CONTACT US - TISLA

If you are a borrower with questions about their student loans. You can send your questions to tisla@ freestudentloanadvice.org Helpful things to include in your email are: What status your loans are in – are they in default, past due, in school status? If you are struggling with repayment, what is your situation that is causing you to

struggle.

FORGIVENESS PROGRAMS Important Note: The list below contains only a general overview of each program.Most loan forgiveness options have very strict, precise qualifications that must be met before you can successfully apply. Click the associated links and/or directly contact its provider to find out more about each option. No loan forgiveness option is set in stone, and some of these programs may have altered their BORROWER DEFENSE TO REPAYMENT DISCHARGE Borrower Defense to Repayment Discharge. March, 2021 Update: The current administration has announced that borrowers who had received approvals for this discharge in the past, but only received partial or no relief, would be receiving 100% relief of the associated loans. They have also announced that another rulemaking session would be

initiated.

DEFERMENT - TISLA - FREE, STUDENT LOAN ADVICE Deferment. Deferments are temporary postponement of payments that are allowed on federal student loans. While in deferment, any subsidized loans you have will not accrue interest, but any unsubsidized loans will continue to accrue interest. You may pay this interest during the FEDERAL DIRECT LOAN REPAYMENT OPTIONS Federal Direct Loans (DL) have the most options for repayment. Below is a summary of these plans. You can see what your payment would be under each plan by using this calculator.The feds also have a calculator which you can find here. IOWA REGISTERED NURSE & NURSE EDUCATOR LOAN FORGIVENESSCALIFORNIA NURSE LOAN FORGIVENESSFLORIDA NURSE LOAN FORGIVENESSHRSA NURSE LOAN FORGIVENESSREGISTERED NURSE LOAN REPAYMENT PROGRAMNURSE SERVICE CORPS LOAN REPAYMENTCAN NURSES GET STUDENT LOAN FORGIVENESS Iowa Registered Nurse & Nurse Educator Loan Forgiveness Program. Who It’s For: Registered nurses employed in Iowa and nurse educators teaching at eligible Iowa colleges and universities. How to Apply: Apply online through the Iowa Financial Aid Application. What Loans Qualify: Stafford or Consolidation loans. How Much?: Up to 20% of your total loan balance per year. The maximum award cannot FREE, STUDENT LOAN ADVICE The Institute of Student Loan Advisors (TISLA) was created to ensure that all consumers have access to fair, free, student loan advice and dispute resolution. We will never charge consumers for our services and do not require registration or affiliation to utilize our services. While we encourage all student loan borrowers to talk to their loan holders for help, we understand that sometimes NEWS - TISLA - FREE, STUDENT LOAN ADVICE Information: The Institute of Student Loan Advisors Betsy Mayotte. betsy@freestudentloanadvice.org. 978-835-9934. FOR IMMEDIATE RELEASE. Student Loan Industry Participants Launch Campaign to Warn Consumers About Student Loan Scams

ABOUT US - TISLA

About Us. See the News Page for Info on Relief Available to Those Impacted by the Pandemic. The Institute of Student Loan Advisors Corporation (TISLA) was founded to ensure that all student loan borrowers have access to free, neutral and clear student loan advice and dispute resolution assistance. We are a 501 (c) (3) non-profit who

believes

OUR STAFF - TISLA - FREE, STUDENT LOAN ADVICE Betsy is the President and Founder of The Institute of Student Loan Advisors (TISLA). She has been working in the student loan industry doing compliance and advocacy work for over 20 years and has helped thousands of borrowers with their student loans. Betsy has served as a primary negotiator for several federal Title IV negotiated rulemaking

CONTACT US - TISLA

If you are a borrower with questions about their student loans. You can send your questions to tisla@ freestudentloanadvice.org Helpful things to include in your email are: What status your loans are in – are they in default, past due, in school status? If you are struggling with repayment, what is your situation that is causing you to

struggle.

FORGIVENESS PROGRAMS Important Note: The list below contains only a general overview of each program.Most loan forgiveness options have very strict, precise qualifications that must be met before you can successfully apply. Click the associated links and/or directly contact its provider to find out more about each option. No loan forgiveness option is set in stone, and some of these programs may have altered their BORROWER DEFENSE TO REPAYMENT DISCHARGE Borrower Defense to Repayment Discharge. March, 2021 Update: The current administration has announced that borrowers who had received approvals for this discharge in the past, but only received partial or no relief, would be receiving 100% relief of the associated loans. They have also announced that another rulemaking session would be

initiated.

DEFERMENT - TISLA - FREE, STUDENT LOAN ADVICE Deferment. Deferments are temporary postponement of payments that are allowed on federal student loans. While in deferment, any subsidized loans you have will not accrue interest, but any unsubsidized loans will continue to accrue interest. You may pay this interest during the FEDERAL DIRECT LOAN REPAYMENT OPTIONS Federal Direct Loans (DL) have the most options for repayment. Below is a summary of these plans. You can see what your payment would be under each plan by using this calculator.The feds also have a calculator which you can find here. IOWA REGISTERED NURSE & NURSE EDUCATOR LOAN FORGIVENESSCALIFORNIA NURSE LOAN FORGIVENESSFLORIDA NURSE LOAN FORGIVENESSHRSA NURSE LOAN FORGIVENESSREGISTERED NURSE LOAN REPAYMENT PROGRAMNURSE SERVICE CORPS LOAN REPAYMENTCAN NURSES GET STUDENT LOAN FORGIVENESS Iowa Registered Nurse & Nurse Educator Loan Forgiveness Program. Who It’s For: Registered nurses employed in Iowa and nurse educators teaching at eligible Iowa colleges and universities. How to Apply: Apply online through the Iowa Financial Aid Application. What Loans Qualify: Stafford or Consolidation loans. How Much?: Up to 20% of your total loan balance per year. The maximum award cannot NEWS - TISLA - FREE, STUDENT LOAN ADVICE Pandemic makes Public Service Loan Forgiveness more difficult. December 11, 2020. TISLA News. Nearly 25% of people with student loans working in nonprofits or public service have had a significant change in their work situation during the pandemic” great article about the pandemic’s impact on eligibility for Public Service Loan Forgiveness

CONTACT US - TISLA

If you are a borrower with questions about their student loans. You can send your questions to tisla@ freestudentloanadvice.org Helpful things to include in your email are: What status your loans are in – are they in default, past due, in school status? If you are struggling with repayment, what is your situation that is causing you to

struggle.

FORGIVENESS PROGRAMS Important Note: The list below contains only a general overview of each program.Most loan forgiveness options have very strict, precise qualifications that must be met before you can successfully apply. Click the associated links and/or directly contact its provider to find out more about each option. No loan forgiveness option is set in stone, and some of these programs may have altered their DEFERMENT - TISLA - FREE, STUDENT LOAN ADVICE Deferment. Deferments are temporary postponement of payments that are allowed on federal student loans. While in deferment, any subsidized loans you have will not accrue interest, but any unsubsidized loans will continue to accrue interest. You may pay this interest during the

deferment

I HAVE A DISPUTE

Making your request in writing does two things, it ensures you can clearly explain your questions and disputes, and allows you to receive a response in writing for your records. Your loan holder will list contacts on its web site. If you don’t know who your loan holder is, you can find it on www.nslds.ed.gov for federal loans, and your credit STUDENT LOAN STRATEGIES FOR THOSE AFFECTED BY COVID-19 Student Loan Strategies for Those Affected by COVID-19. March 13, 2020. TISLA News. Update: The COVID waivers have been extended until September 30, 2021. Hello friends. We’ve already seen a few posts about the virus so I thought I’d create one that specifically gave advice on how to manage your loans. We will update it as/if things

change.

HELP ME CHOOSE A REPAYMENT PLAN Help Me Choose a Repayment Plan. Choosing the right repayment plan can be confusing. It’s important to think not only about the short term, but the long term. While you are (rightly) concerned about your current financial situation, it’s also important to think about how much interest you will pay during the life of the loan. With that in GOVERNMENT REPAYMENT PROGRAMS Government Repayment Programs. There are many state and federal programs that can help you repay your student debt. The most common are the Department of Defense loan repayment program, AmeriCorps and the Peace Corps. The federal government also offers some loan repayment to its employees. We will outline the details of these in

the near future

INCOME-DRIVEN REPAYMENT FORGIVENESS Income-Driven Repayment Forgiveness. Who It’s For: Borrowers who sign up for one of the income-driven payment plans (such as income-based repayment, income-contingent repayment, Pay As You Earn, or REPAYE) and make eligible on-time payments for an extended period of time.This usually means 20-25 years, depending on which plan you use and other loan details.

BANKRUPTCY - TISLA

Normally when you file for bankruptcy, you expect to have your unsecured debt discharged as part of the case. Although all federal student loans and most private student loans are unsecured loans, student loans are treated differently from other unsecured loans in bankruptcy. Student loans, whether federal or private, can be

discharged only if

FREE, STUDENT LOAN ADVICE The Institute of Student Loan Advisors (TISLA) was created to ensure that all consumers have access to fair, free, student loan advice and dispute resolution. We will never charge consumers for our services and do not require registration or affiliation to utilize our services. While we encourage all student loan borrowers to talk to their loan holders for help, we understand that sometimes NEWS - TISLA - FREE, STUDENT LOAN ADVICE Information: The Institute of Student Loan Advisors Betsy Mayotte. betsy@freestudentloanadvice.org. 978-835-9934. FOR IMMEDIATE RELEASE. Student Loan Industry Participants Launch Campaign to Warn Consumers About Student Loan Scams

ABOUT US - TISLA

About Us. See the News Page for Info on Relief Available to Those Impacted by the Pandemic. The Institute of Student Loan Advisors Corporation (TISLA) was founded to ensure that all student loan borrowers have access to free, neutral and clear student loan advice and dispute resolution assistance. We are a 501 (c) (3) non-profit who

believes

OUR STAFF - TISLA - FREE, STUDENT LOAN ADVICE Betsy is the President and Founder of The Institute of Student Loan Advisors (TISLA). She has been working in the student loan industry doing compliance and advocacy work for over 20 years and has helped thousands of borrowers with their student loans. Betsy has served as a primary negotiator for several federal Title IV negotiated rulemaking

CONTACT US - TISLA

If you are a borrower with questions about their student loans. You can send your questions to tisla@ freestudentloanadvice.org Helpful things to include in your email are: What status your loans are in – are they in default, past due, in school status? If you are struggling with repayment, what is your situation that is causing you to

struggle.

FORGIVENESS PROGRAMS Important Note: The list below contains only a general overview of each program.Most loan forgiveness options have very strict, precise qualifications that must be met before you can successfully apply. Click the associated links and/or directly contact its provider to find out more about each option. No loan forgiveness option is set in stone, and some of these programs may have altered their BORROWER DEFENSE TO REPAYMENT DISCHARGE Borrower Defense to Repayment Discharge. March, 2021 Update: The current administration has announced that borrowers who had received approvals for this discharge in the past, but only received partial or no relief, would be receiving 100% relief of the associated loans. They have also announced that another rulemaking session would be

initiated.

DEFERMENT - TISLA - FREE, STUDENT LOAN ADVICE Deferment. Deferments are temporary postponement of payments that are allowed on federal student loans. While in deferment, any subsidized loans you have will not accrue interest, but any unsubsidized loans will continue to accrue interest. You may pay this interest during the FEDERAL DIRECT LOAN REPAYMENT OPTIONS Federal Direct Loans (DL) have the most options for repayment. Below is a summary of these plans. You can see what your payment would be under each plan by using this calculator.The feds also have a calculator which you can find here. IOWA REGISTERED NURSE & NURSE EDUCATOR LOAN FORGIVENESSCALIFORNIA NURSE LOAN FORGIVENESSFLORIDA NURSE LOAN FORGIVENESSHRSA NURSE LOAN FORGIVENESSREGISTERED NURSE LOAN REPAYMENT PROGRAMNURSE SERVICE CORPS LOAN REPAYMENTCAN NURSES GET STUDENT LOAN FORGIVENESS Iowa Registered Nurse & Nurse Educator Loan Forgiveness Program. Who It’s For: Registered nurses employed in Iowa and nurse educators teaching at eligible Iowa colleges and universities. How to Apply: Apply online through the Iowa Financial Aid Application. What Loans Qualify: Stafford or Consolidation loans. How Much?: Up to 20% of your total loan balance per year. The maximum award cannot FREE, STUDENT LOAN ADVICE The Institute of Student Loan Advisors (TISLA) was created to ensure that all consumers have access to fair, free, student loan advice and dispute resolution. We will never charge consumers for our services and do not require registration or affiliation to utilize our services. While we encourage all student loan borrowers to talk to their loan holders for help, we understand that sometimes NEWS - TISLA - FREE, STUDENT LOAN ADVICE Information: The Institute of Student Loan Advisors Betsy Mayotte. betsy@freestudentloanadvice.org. 978-835-9934. FOR IMMEDIATE RELEASE. Student Loan Industry Participants Launch Campaign to Warn Consumers About Student Loan Scams

ABOUT US - TISLA

About Us. See the News Page for Info on Relief Available to Those Impacted by the Pandemic. The Institute of Student Loan Advisors Corporation (TISLA) was founded to ensure that all student loan borrowers have access to free, neutral and clear student loan advice and dispute resolution assistance. We are a 501 (c) (3) non-profit who

believes

OUR STAFF - TISLA - FREE, STUDENT LOAN ADVICE Betsy is the President and Founder of The Institute of Student Loan Advisors (TISLA). She has been working in the student loan industry doing compliance and advocacy work for over 20 years and has helped thousands of borrowers with their student loans. Betsy has served as a primary negotiator for several federal Title IV negotiated rulemaking

CONTACT US - TISLA

If you are a borrower with questions about their student loans. You can send your questions to tisla@ freestudentloanadvice.org Helpful things to include in your email are: What status your loans are in – are they in default, past due, in school status? If you are struggling with repayment, what is your situation that is causing you to

struggle.

FORGIVENESS PROGRAMS Important Note: The list below contains only a general overview of each program.Most loan forgiveness options have very strict, precise qualifications that must be met before you can successfully apply. Click the associated links and/or directly contact its provider to find out more about each option. No loan forgiveness option is set in stone, and some of these programs may have altered their BORROWER DEFENSE TO REPAYMENT DISCHARGE Borrower Defense to Repayment Discharge. March, 2021 Update: The current administration has announced that borrowers who had received approvals for this discharge in the past, but only received partial or no relief, would be receiving 100% relief of the associated loans. They have also announced that another rulemaking session would be

initiated.

DEFERMENT - TISLA - FREE, STUDENT LOAN ADVICE Deferment. Deferments are temporary postponement of payments that are allowed on federal student loans. While in deferment, any subsidized loans you have will not accrue interest, but any unsubsidized loans will continue to accrue interest. You may pay this interest during the FEDERAL DIRECT LOAN REPAYMENT OPTIONS Federal Direct Loans (DL) have the most options for repayment. Below is a summary of these plans. You can see what your payment would be under each plan by using this calculator.The feds also have a calculator which you can find here. IOWA REGISTERED NURSE & NURSE EDUCATOR LOAN FORGIVENESSCALIFORNIA NURSE LOAN FORGIVENESSFLORIDA NURSE LOAN FORGIVENESSHRSA NURSE LOAN FORGIVENESSREGISTERED NURSE LOAN REPAYMENT PROGRAMNURSE SERVICE CORPS LOAN REPAYMENTCAN NURSES GET STUDENT LOAN FORGIVENESS Iowa Registered Nurse & Nurse Educator Loan Forgiveness Program. Who It’s For: Registered nurses employed in Iowa and nurse educators teaching at eligible Iowa colleges and universities. How to Apply: Apply online through the Iowa Financial Aid Application. What Loans Qualify: Stafford or Consolidation loans. How Much?: Up to 20% of your total loan balance per year. The maximum award cannot NEWS - TISLA - FREE, STUDENT LOAN ADVICE Pandemic makes Public Service Loan Forgiveness more difficult. December 11, 2020. TISLA News. Nearly 25% of people with student loans working in nonprofits or public service have had a significant change in their work situation during the pandemic” great article about the pandemic’s impact on eligibility for Public Service Loan Forgiveness

CONTACT US - TISLA

If you are a borrower with questions about their student loans. You can send your questions to tisla@ freestudentloanadvice.org Helpful things to include in your email are: What status your loans are in – are they in default, past due, in school status? If you are struggling with repayment, what is your situation that is causing you to

struggle.

FORGIVENESS PROGRAMS Important Note: The list below contains only a general overview of each program.Most loan forgiveness options have very strict, precise qualifications that must be met before you can successfully apply. Click the associated links and/or directly contact its provider to find out more about each option. No loan forgiveness option is set in stone, and some of these programs may have altered their DEFERMENT - TISLA - FREE, STUDENT LOAN ADVICE Deferment. Deferments are temporary postponement of payments that are allowed on federal student loans. While in deferment, any subsidized loans you have will not accrue interest, but any unsubsidized loans will continue to accrue interest. You may pay this interest during the

deferment

I HAVE A DISPUTE

Making your request in writing does two things, it ensures you can clearly explain your questions and disputes, and allows you to receive a response in writing for your records. Your loan holder will list contacts on its web site. If you don’t know who your loan holder is, you can find it on www.nslds.ed.gov for federal loans, and your credit STUDENT LOAN STRATEGIES FOR THOSE AFFECTED BY COVID-19 Student Loan Strategies for Those Affected by COVID-19. March 13, 2020. TISLA News. Update: The COVID waivers have been extended until September 30, 2021. Hello friends. We’ve already seen a few posts about the virus so I thought I’d create one that specifically gave advice on how to manage your loans. We will update it as/if things

change.

HELP ME CHOOSE A REPAYMENT PLAN Help Me Choose a Repayment Plan. Choosing the right repayment plan can be confusing. It’s important to think not only about the short term, but the long term. While you are (rightly) concerned about your current financial situation, it’s also important to think about how much interest you will pay during the life of the loan. With that in GOVERNMENT REPAYMENT PROGRAMS Government Repayment Programs. There are many state and federal programs that can help you repay your student debt. The most common are the Department of Defense loan repayment program, AmeriCorps and the Peace Corps. The federal government also offers some loan repayment to its employees. We will outline the details of these in

the near future

INCOME-DRIVEN REPAYMENT FORGIVENESS Income-Driven Repayment Forgiveness. Who It’s For: Borrowers who sign up for one of the income-driven payment plans (such as income-based repayment, income-contingent repayment, Pay As You Earn, or REPAYE) and make eligible on-time payments for an extended period of time.This usually means 20-25 years, depending on which plan you use and other loan details.

BANKRUPTCY - TISLA

Normally when you file for bankruptcy, you expect to have your unsecured debt discharged as part of the case. Although all federal student loans and most private student loans are unsecured loans, student loans are treated differently from other unsecured loans in bankruptcy. Student loans, whether federal or private, can be

discharged only if

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The Institute of Student Loan Advisors (TISLA) was created to ensure that all consumers have access to FAIR, FREE, STUDENT LOAN ADVICE and dispute resolution. We will never charge consumers for our services and do not require registration or affiliation to utilize our services. While we encourage all student loan borrowers to talk to their loan holders for help, we understand that sometimes, you just want a second opinion or need additional help. That’s why we’re

here.

We are funded by donations and fee for service partnerships to ensure that all of our services remain neutral. All donors and partners will be listed on this website to ensure transparency. Please see our _About Us_ page for more information about what TISLA can do for you and an introduction to our passionate and knowledgeable staff.

About Us

AM I ELIGIBLE FOR LOAN FORGIVENESS? * Public Service Loan Forgiveness * Perkins Loan Cancellation * Teacher Loan Forgiveness and other programs

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HELP ME CHOOSE A REPAYMENT PLAN * Tips for choosing the right plan for you * Clear explanation of all the federal loan repayment plans * Strategies for private student loans

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MY LOAN IS PAST DUE OR IN DEFAULT * Understand the consequences of student loan default * Learn the different ways to resolve your loan default * Tips for dealing with wage and tax refund garnishment * How to handle private loan default

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SHOULD I CONSOLIDATE MY LOANS? * The pros and cons of consolidating your loans * Understand the terms of loan consolidation * Who is a good candidate for private loan refinancing

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I HAVE A DISPUTE

Many student loan disputes come down to a simple misunderstanding or miscommunication. Even if that’s the case, you deserve to have a clear understanding of your student loans and the actions taken on them. While we can help you manage disputes, we strongly suggest you take the following steps first.

read more…

Loan Forgiveness

* Am I Eligible?

* Public Service Loan Forgiveness * Teacher Loan Forgiveness * Government Repayment Programs * Perkins Loan Forgiveness Program

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* Federal Loan Repayment Plans * Private Loan Repayment Plans * Mixed Loan Repayment Plans * I’m Not Sure What Loan I Have?

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Past Due or Default

* Federal Student Loan Delinquency * Federal Loan Default * Private Loan Delinquency and Default * Loan Rehabilitation * Consolidating Out of Default

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* Federal Student Loan Consolidation * Private Loan Consolidation * Consolidation Chart � 2018-2021 TISLA. All Rights Reserved

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