The rules around student loan forgiveness have changed—again. In 2025, more borrowers than ever are eligible for federal relief, but most don’t realize it—or are on the wrong plan to benefit.
The Top Forgiveness Paths Right Now:
- SAVE Plan (Successor to REPAYE)
Forgives remaining debt after 10–25 years based on income
✔ Monthly payments as low as $0
✔ Forgiveness as early as 10 years (if original loans were small) - Public Service Loan Forgiveness (PSLF)
Forgives your balance after 120 payments if you work for a nonprofit or government
✔ Must be on an eligible IDR plan
✔ Must certify employment yearly - Income-Driven Repayment (IDR) Forgiveness
Forgiveness after 20 or 25 years of payments under plans like IBR, PAYE, or SAVE
Why Most People Miss Out:
- They’re in default
- They’re on the wrong plan (like Standard or Extended)
- They’ve never submitted the necessary employment or income forms
- Their loan servicer gave them outdated info
How TCR Helps:
Our team reviews your full loan history, income, and eligibility—then ensures you’re on the right track to qualify. If needed, we’ll help you consolidate and move into the appropriate plan to preserve your forgiveness status.
📲 Unsure if you qualify for forgiveness?
Apply today and let TCR show you what’s possible.
