Print

Education >> Browse Articles >> featured

+8

Get Uncle Sam to Pay Your Student Loans

Get Uncle Sam to Pay Your Student Loans

Chris McConnell | GovCentral

Income-Based Repayment

On July 1st, the government will introduce the Income-Based Repayment (IBR) program, a new payment option for individuals that have high student debt and lower-income.

As the name suggests, monthly payments will be calculated based on income and family size. For most people, payments are around 10% of your monthly income. The government will even pick up the interest on your subsidized student loans for the three years. If you have a balance after making payments for the next 25 years, the government will forgive the remainder of your student loan.

Resources on the Web:

Sallie Mae
You can find more information about the Income-Based Repayment plan and calculate your estimated monthly payment
IBRinfo.org
An independent and non-profit source of information about the Income-Based Repayment program.

Public-Service Loan Forgiveness

The Public-Service Loan Forgiveness (PSLF) program is targeted for people who currently work in “public service” jobs in the government or non-profit organizations. The program will forgive remaining student loan debt after the 10 years working for an eligible employer while making student loan payments. The PSLF program covers federal Stafford, Grad PLUS, or consolidated loans as long as they are a part of the Direct Loan program.

The definition of an eligible job is pretty wide. You job is considered eligible for the PSLF program if you: 1. Work for any nonprofit, tax-exempt 501©(3) organization;
2. Are employees by the federal, state, local, or tribal government (including the military, public schools, and colleges); or
3. Serve with AmeriCorps or Peace Corps full-time.

If you don’t meet these criteria, don’t worry; the Department of Education created a two-part test to check for eligibility:

1. Your employer is not “a business organized for profit, a labor union, a partisan political organization, or an organization engaged in religious activities, unless the qualifying activities are unrelated to religious instruction, worship services, or any form of proselytizing;” and
2. Your employer provides any of the following public services: emergency management; military service; public safety; law enforcement; public interest law services; early childhood education; public service for individuals with disabilities and the elderly; public health; public education; public library services; and school library or other school-based services.

You can also find more information about these student loan programs, and others, at the Department of Education’s Federal Student Aid website

Love it. Hate it. What would you like to see from GovCentral.com? Leave a comment below.


+8
  • Photo_user_blank_big

    polo2014

    about 2 hours ago

    454 comments

    http://www.shopbestgoods.com/
    http://www.bestcustomsonline.com/
    http://www.nike-jordanshoes.com/
    http://www.polo-tshirts.com/
    http://www.burberry-factory.com/
    http://www.kate-spades.com/
    http://www.barbour-factory.com/
    http://www.coachlosangeles.com/
    http://www.official-coachoutlet.com/
    http://www.louisvuittonas.com/
    http://www.burberryoutlet2014.com/
    http://www.official-mkoutlet.com/
    http://www.official-pradaoutlet.com/
    http://www.beatsbydreoutlet.net/
    http://www.michaelkorsonlineusa.com/
    http://www.northsclearance.com/
    http://www.ralph-laurensale.com/
    http://www.gucci-shoesuk2014.com/
    http://www.michael-korsusa.com/
    http://www.polo-outlets.com/
    http://www.hermes-outletonline.com/
    http://www.ralphslauren.co.uk/
    http://www.marcjacobsonsale.com/
    http://www.mcmworldwides.com/
    http://www.warmbootssale.com/
    http://www.salongchamppairs.com/
    http://www.canada-gooser.com/
    http://www.michaelkors.so/
    http://www.oakley-sunglassoutlet.com/
    http://www.north-faceoutlets.net/
    http://www.moncler-clearance.com/
    http://www.woolrich-clearance.com/
    http://www.barbour-jacketsoutlet.com/
    http://www.moncler-jacketsoutletonline.com/
    http://www.monsterbeatsbydres.net/
    http://www.lv-guccishoesfactory.com/
    http://www.cheapdiscountoutlet.com/
    http://www.coachsfactoryoutlet.com/
    http://www.coach-blackfriday2014.com/
    http://www.coach-storeoutletonline.com/
    http://www.coach-factorysoutletonline.com/
    http://www.coachccoachoutlet.com/
    http://www.coach-factories.net/
    http://www.coach-pursesoutletonline.com/
    http://www.coach-outletsusa.com/
    http://www.zxcoachoutlet.com/
    http://www.mischristmas.com/
    http://www.misblackfriday.com/
    http://www.newoutletonlinemall.com/
    http://www.ralphlaurenepolo.com/
    http://michaelkorsoutlet.mischristmas.com/
    http://mcmbackpack.mischristmas.com/
    http://monsterbeats.mischristmas.com/
    http://northfaceoutlet.mischristmas.com/
    http://mk.misblackfriday.com/
    http://www.pinterest.com/michaelkorbag/
    http://coachoutlet.misblackfriday.com/
    http://coachfactory.misblackfriday.com/
    http://uggaustralia.misblackfriday.com/
    http://coachpurses.misblackfriday.com/
    http://coachusa.misblackfriday.com/
    http://coach.misblackfriday.com/
    http://michaelkorss.misblackfriday.com/
    http://michaelkors.misblackfriday.com/
    http://airmax.misblackfriday.com/
    http://michael-kors.misblackfriday.com/
    https://twitter.com/CoachOutlet2014
    https://www.facebook.com/coachoutletstoreonline
    https://www.facebook.com/ralphlaurenoutletonline

  • Photo_user_blank_big

    myhopeisnotlost12345

    about 15 hours ago

    2 comments

    Good day.

    I can't hide this great testimony that take place in my life I will love everyone to know it and be partaker that is why I always place it on answer, I am Mrs,Natalie Cuttaia by name, I live in Texas, United State Of America, I want to thank (Mr.Bruce Brandon) for his kindness upon my family life.

    I never knew that there is still nice lender like this on internet and earth here. Just some Months Back, I was in search for a loan of $100,000,00 as I was running out of money for feeding and rent. I was scammed $6,800 Dollars and I decided not to involve my self in such business again but a Friend of my introduced me to a loan firm due to my appearance and doings.

    And I told him that I am not interested of any loan deal anymore but he told me that there is still a nice lender who he will recommend me to, and I made a trial and I am most grateful lucky am I today, I was given a loan amount of $100,000.00usd, by this great Company (Bruce Brandon Loan Company) managed by (Mr.Bruce Brandon) If you are in need of a genuine or legit loan or financial assistance and you can be reliable and trusted of capable of paying back at the due time of the funds I will advice you to, contact him via: ( bruce.brandon071@gmail.com ) And you will be free from scams in the internet.

    All thanks to Mr.Bruce Brandon You are the one who remove me and my family out of poverty. The reason why i am doing this is that, i promise Mr.Bruce Brandon that if i truly got my loan, i will advertize his company and bring customers to his company. Contact him via ( bruce.brandon071@gmail.com )for the Loan you have been looking for..

  • Photo_user_blank_big

    angerterC3

    1 day ago

    2 comments

    Good day,
    I just stumbled at this your post and I must say that I was in a similar situation some few months ago and I really needed some sort of loan to renovate some apartments my husband bought so we could renovate the buildings and put them up for rent, we searched and searched but no luck, I even got burnt sending about $4,500usd abroad to secure a loan, but was introduced to some sort of a private lender Mr Anderson Klint and i was skeptical at first because i had to contact them via email and i just did out of curiosity and was surprised when they replied that they could be of help, and could loan me $80,000usd i needed. I almost turned down the offer when I was asked to pay the sum of $480usd as an insurance fee to insure my lump sum loan of $80,000usd.I was told it was the only form of security they needed to secure the loan. My husband advised that i pay it because to him it made sense and if we were scammed like the other loan dealer he could manage it. I was asked to make the payment via western union and that really made me worried because something told me it wasn’t going to pull through, but i was shocked after i made the payment on 15th of SEPTEMBER 2014, I got my bank account wired with a transfer of $80,000usd which I cashed on 20th of SEPTEMBER 2014 and work is ongoing at our sites. I was given a 5 months grace to start paying back my first repayment which is spread over 10Years. It was later I understood why they needed to insure the money by me before letting me have it, in case I cant meet up to my obligation the insurance company takes up the liability to pay back. I am happy that by next week our project will be ready and we would start making our money and can start paying back my loan.Am so happy at last Mr Anderson Did it for family You can contact them via their email...andersonklintloancompany12@gmail.com, and I can assure you that there’s nothing to fear about, they will deliver like they did to me, but its just a suggestion/recommendation. God bless you.

    Angerter Maria

  • Original_max50

    Bryceknorr

    9 days ago

    2 comments

    Hi friends, As this year comes to an end,are there certain goals you you have set for yourself beginning this year which you still have not achieve up till now because of financial constrains? Do not worry. i am here to let you know that all hope is not lost. I am happy to announce to you that KIVA GLOBAL FINANCE has arranged a special END OF YEAR LOAN PACKAGE ranging from $5,000usd to $1,000,000usd with as low as 3% interest rate for individuals, company's and organization's to care for their various purposes wherever you may live. The processes are simple and flexible. NO COLLATERAL REQUIRED. NO CREDIT CHECK. NO HIDDEN CHARGES. To apply, fill the loan application form bellow and submit it to one of our representatives now via (johnson.kivagroup@gmail.com)

    FULL NAME:____
    ADDRESS:____
    COUNTRY:____
    STATE OF ORIGIN:____
    DATE OF BIRTH:_____
    SEX:_____
    LOAN AMOUNT NEEDED:_____
    DURATION:_____
    PURPOSE OF LOAN:_____
    MONTHLY INCOME_____
    OCCUPATION:_____
    VALID PHONE NO.:_____

    Submit the form to (johnson.kivagroup@gmail.com)
    you can also visit our website at www.kiva.org/ to know more about us.
    We await you to put a smile on your face.

    I want to quickly use this opportunity to thank all our customers globally who have taken loans from us and repay back as at when due.Our greatest thanks goes to our customer's who directed either their relatives or friends to also take loan from us. We want to use this opportunity to thank you so much for your corporation and for trusting us and allowing us to put smiles on your faces even at this time when it is difficult to trust lender's because of so many fake online lenders proliferating the internet and spoiling the name of the few legitimate ones. Thank you for giving us the benefit of doubt and for letting people know that there are still few legitimate online loan lenders like KGF.

    Yours sincerely
    Bryce Knorr
    Online advertorial officer(KGF)

  • Photo_user_blank_big

    Shechan

    12 days ago

    6 comments

    Hello everyone,
    My name is Shechan Caroline, I am from the Texas, United State, am here to testify of how i got my loan from Mr Johnson smith{Johnsonsmithloaninvestment@hotmail.com } after i applied Two times from various loan lenders who claimed to be lenders right in this forum,i thought their lending where real and i applied but they never gave me loan. I was in need of an urgent loan to start a business and i applied from various loan lenders who promised to help but they never gave me the loan.Until a friend of mine introduce me to Mr Johnson smith the C.E.O of Johnson smith Loan Company who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mr Johnson Smith, who really help me with my loan and changed my lief for better. I don't know if you are in need of an urgent loan, free feel to contact Mr Johnson Smith on his email{ Johnsonsmithloaninvestment@hotmail.com } for help

  • Photo_user_blank_big

    Shechan

    12 days ago

    6 comments

    Hello everyone,
    My name is Shechan Caroline, I am from the Texas, United State, am here to testify of how i got my loan from Mr Johnson smith{Johnsonsmithloaninvestment@hotmail.com } after i applied Two times from various loan lenders who claimed to be lenders right in this forum,i thought their lending where real and i applied but they never gave me loan. I was in need of an urgent loan to start a business and i applied from various loan lenders who promised to help but they never gave me the loan.Until a friend of mine introduce me to Mr Johnson smith the C.E.O of Johnson smith Loan Company who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mr Johnson Smith, who really help me with my loan and changed my lief for better. I don't know if you are in need of an urgent loan, free feel to contact Mr Johnson Smith on his email{ Johnsonsmithloaninvestment@hotmail.com } for help

  • Photo_user_blank_big

    Shechan

    12 days ago

    6 comments

    Hello everyone,
    My name is Shechan Caroline, I am from the Texas, United State, am here to testify of how i got my loan from Mr Johnson smith{Johnsonsmithloaninvestment@hotmail.com } after i applied Two times from various loan lenders who claimed to be lenders right in this forum,i thought their lending where real and i applied but they never gave me loan. I was in need of an urgent loan to start a business and i applied from various loan lenders who promised to help but they never gave me the loan.Until a friend of mine introduce me to Mr Johnson smith the C.E.O of Johnson smith Loan Company who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mr Johnson Smith, who really help me with my loan and changed my lief for better. I don't know if you are in need of an urgent loan, free feel to contact Mr Johnson Smith on his email{ Johnsonsmithloaninvestment@hotmail.com } for help

  • Loans_max50

    Clark002

    15 days ago

    2 comments

    Good Day Every One,

    I am Mrs Charity Peterson,a citizen of the United Kingdom,I am married woman with two kids,a boy and a girls. I have been happily married for 8 years now and life is worth living for us here in the London. My main positive aim of writing this article is to share a testimony about a loan lender Mr Crystal Clark the director of CRYSTAL CLARK FINANCIAL HOME,which God has use to change my story today before i continue further about this genuine loan lender,let me quickly narrate my sad story.
    It all started like this, when my lovely husband was getting prepared to pay a condulent visit to his parent who reside in British Columbia,Canada. Before he left for the visit to his home soil he was briefly illed,although he was taking treatment before he left for the journey. Getting to his country,he called and reported that he has successfully arrived in his state,we were glad to hear that good news likewise him and his parent,so he told us he was going to stay for long because he wanted to feel at home a little before he return,after two weeks,we received a call that his illness is becoming worst and that it's getting out of hands,that he has been admitted in the hospital there in his state. Then we started praying to God to heal him for us,not quite long he died. I became very sad ,i cried almost all day because of the sudden disappearance of my lovely husband,who left i am the family so soon,then we had to plan for his funeral and at which he was buried and after all set and do,i had to return to my own country to start up my life with the kids.

    Getting to my London,things were becoming difficult for us because all the money he left behind have been spent during his funeral,then i have to manged with the kids,still yet things were becoming more worst for me. We can't even feed three time a day,no money to pay my bills,school fees for my kids and not withstanding the house rent was coming to experienced and the landlord was already around to remind us about it,all this together were in my mind and i was so worried,i couldn't even sleep at night,at times i cried till dawn,i have no one and no where to go for help. I started thinking on what to do to be able to raise money but i could not come up with a good idea. One day as i was surfing the net,i saw an advert by a man named Mr Crystal Clark regarding a loan on going program,without wasting more time i contacted them and i apply for loan sum of $25,000.00usd and i was so happy because they responded to my email and i was given a form to fill,which i did and they sent me their loan terms and condition including the monthly installment which i also agree to,after that i was ask to pay for upfront fee,then i became skeptical and i did not reply them any more and i had to sleep over it and i found that i don't have any other remedy,i had to look for the money and i email them on how i will get the fee to them,they instructed me to remit the fee via western union and i did. Now i have to wait for their response,to my greatest surprise before God and man,i receive an alert from by bank that the sum of $25,000.00usd had been credited into my bank account,i was so happy and my heart was full of joy,my kid were also very much glad to here the good news and today i am a successful window who is now doing well,i now own a unisex boutique where i now managed. I am using this medium to tell the worldwide that i am very grateful to Mr Crystal Clark,who turn my story to glory. Today are you in any need of a loan to stand back to feet or are you in the same situation like me,the solution is here and now,contact Mr Crystal Clark a genuine,legit,reputable and God fearing man loan lender for your urgent loan via email:crystalclark_financialhome007@yahoo.com and don't forget to tell him you where referred to him by me because i promise to bring him more client as a return of what he as done for me and my family.

    Thanks.

    Mrs Charity Peterson.

  • 76797_104593866281196_804965_n_max50

    Berryglenn8000

    15 days ago

    4 comments

    Gets good money lending service today that is generally
    reliable,safe ,filtered
    by International Loan Agency and also Tested and Trusted. We give out loan for
    Any purposes, if you are really in need of a loan,, just let us know
    the amount you need as a loan,and your
    problems will be over.We issue loans to individuals despite their
    financial conditions.,and low credit score.

    Are you in need of a loan?
    Do you want to pay off your bills?
    Do you want to be financially stable?
    All you have to do is to contact us for more information on how to get
    started and get the loan you desire.
    This offer is open to all that will be able to repay back in due time.
    Note-that repayment time frame is negotiable and at interest rate of
    2%.

    You are expected to inform us of the exact loan amount requested so as to
    enable us provide you with the Loan Terms and Conditions. if you are
    interested in obtaining loan from our firm.
    Please, do complete the short application form given below and we
    promised to help you out in any financial needs you are in
    LOAN APPLICATION FORM { ONLINE FORM }

    1)YOUR NAME...................
    2)YOUR COUNTRY................
    3)YOUR OCCUPATION.............
    4)YOUR MARITAL STATUS.........
    5)PHONE NUMBER................
    6)MONTHLY INCOME..............
    7)ADDRESS.....................
    8)PURPOSE OF LOAN.............
    9)LOAN REQUEST................
    10)LOAN DURATION..................

    THANKS,
    Barry Glenn
    EMAIL --Barryglenn800@gmail.com

  • 76797_104593866281196_804965_n_max50

    Berryglenn8000

    15 days ago

    4 comments

    Gets good money lending service today that is generally
    reliable,safe ,filtered
    by International Loan Agency and also Tested and Trusted. We give out loan for
    Any purposes, if you are really in need of a loan,, just let us know
    the amount you need as a loan,and your
    problems will be over.We issue loans to individuals despite their
    financial conditions.,and low credit score.

    Are you in need of a loan?
    Do you want to pay off your bills?
    Do you want to be financially stable?
    All you have to do is to contact us for more information on how to get
    started and get the loan you desire.
    This offer is open to all that will be able to repay back in due time.
    Note-that repayment time frame is negotiable and at interest rate of
    2%.

    You are expected to inform us of the exact loan amount requested so as to
    enable us provide you with the Loan Terms and Conditions. if you are
    interested in obtaining loan from our firm.
    Please, do complete the short application form given below and we
    promised to help you out in any financial needs you are in
    LOAN APPLICATION FORM { ONLINE FORM }

    1)YOUR NAME...................
    2)YOUR COUNTRY................
    3)YOUR OCCUPATION.............
    4)YOUR MARITAL STATUS.........
    5)PHONE NUMBER................
    6)MONTHLY INCOME..............
    7)ADDRESS.....................
    8)PURPOSE OF LOAN.............
    9)LOAN REQUEST................
    10)LOAN DURATION..................

    THANKS,
    Barry Glenn
    EMAIL --Barryglenn800@gmail.com

  • Photo_user_blank_big

    porttermark

    17 days ago

    4 comments

    Hello i am Mr Portter Mark from Pakistan,when i was in need of a loan of $30,000,00 to transaction a business my friend

    introduced me to James Owen LOAN COMPANY to me because she got a loan from them sometime ago so i was so scared because of the

    scams on the internet but my friend encouraged me to give them a try and i gave them a try and i got my loan within 16hrs and

    their ways was very easy no credit check,no cosigner,no collateral and their interest rate is just 3% so i will advice anyone

    out there that is in need of loan to contact them via their Email,jamesowen0099@gmail.com

  • Photo_user_blank_big

    porttermark

    17 days ago

    4 comments

    Hello i am Mr Portter Mark from Pakistan,when i was in need of a loan of $30,000,00 to transaction a business my friend

    introduced James Owen LOAN COMPANY to me because she got a loan from them sometime ago so i was so scared because of the

    scams on the internet but my friend encouraged me to give them a try and i gave them a try and i got my loan within 16hrs and

    their ways was very easy no credit check,no cosigner,no collateral and their interest rate is just 3% so i will advice anyone

    out there that is in need of loan to contact them via their Email,jamesowen0099@gmail.com

  • Photo_user_blank_big

    MrsAshatBalliter

    17 days ago

    2 comments

    Hello every one, My Name is Mrs Sandra Lemiter
    Arnold, i live in California Usa and life is worth
    living comfortably for me and my family now
    and i really have never seen goodness
    shown to me this much in my life as i am a
    struggling mum with three kids and i have
    been going through a serious problem as
    my husband encountered a terrible accident
    last two weeks, and the doctors states that
    he needs to undergo a delicate surgery for
    him to be able to walk again and i could not
    afford the bill for his surgery then i went to
    the bank for a loan and they turn me down
    stating that i have no credit card, from there
    i run to my father and he was not able to
    help, then when i was browsing through
    yahoo answers and i came across a loan
    lender Mr Tony Waiter who provides loans at
    an affordable interest rate and i have been
    hearing about so many scams on the
    Internet but at this my desperate situation, i
    had no choice than to give it an attempt and
    surprisingly it was all like a dream, i received
    a loan of $53, 000 USD and i prayed for my
    husband surgery and thank GOD today he is
    okay and can walk and is working and the
    burden is longer so much on me any more
    and we can feed well and my family is happy
    today and i said to my self that i will shout
    aloud to the world of the wonders of GOD to
    me through this GOD fearing lender Mr
    Tony Waiter and i will advise anyone in
    genuine and serious need of loan to contact
    this GOD fearing man via
    waitertony776@gmail.com and i want you
    all to pray for this man for me THANK

    Mrs Sandra Lemiter

  • Company_building_max50

    markhenrycompany

    29 days ago

    2 comments

    Good day my friends, are you tired of Seeking Loans and Mortgages,have you Been Turned down constantly By your banks and Other Financial Institutions or micro finance scheme. This is to let you know with 100% guarantee that we Offer loans ranging from $ 3,000 to $ 100,000,000 at 2% interest rate per Month. We give out LOANS for developing business. a competitive edge/business expansion. Be rest assure that We are certified, trustworthy, reliable, efficient, Fast and dynamic. and a co-operate financier for real estate and any kinds of business financing, we give out long term loan for 6 Month to 15 years maximum and all interest rate and calculate and allow to be pay annually .

    We offer the following kinds of loans and many more;

    We offer the following loans to individuals-
    *Commercial Loans.
    *Personal Loans.
    *Business Loans.
    *Investments Loans.
    *Development Loans.
    *Acquisition Loans .
    *Construction loans.
    *Business Loans And many More:
    and many more at 2% interest rate

    for contact us immediately ( markhenrycompany@yahoo.com) to seek for loan do reply with your email id so that i can send you more for the approval of you

    Thanks

    Mr Mark Henry

  • 76797_104593866281196_804965_n_max50

    Berryglenn60000

    30 days ago

    2 comments

    We give out loans from the range of $9,00usd to $90,000,000 USD
    Our loans are well insured and maximum security is our priority,at an
    interest of 2% rate,
    We give out our Loan in USD($) and GBP(£) and any currency of your choice.

    Available Loans we offer are,
    * Personal Loans (Secure and Unsecured)
    * Business Loans (Secure and Unsecured)
    * Combination Loan
    * Consolidation Loan And Many More:

    Interested clients should please fill our application form below-

    LOAN APPLICATION FORM { ONLINE FORM }
    PREFIX {MR.,MRS.,MS.,DR.,etc.}
    1)YOUR NAME...................
    2)YOUR COUNTRY................
    3)YOUR OCCUPATION.............
    4)YOUR MARITAL STATUS.........
    5)PHONE NUMBER................
    6)MONTHLY INCOME..............
    7)ADDRESS.....................
    8)PURPOSE OF LOAN.............
    9)LOAN REQUEST................
    10)TELEPHONE..................
    11)LOAN TERMS AND DURATION....Our company mailing contact box is
    via-[]

    THANKS,
    BARRY GLENN
    www.securetrustloanfirm.webs.com
    EMAIL ---barryglenn800@gmail.com
    SECURE TRUST LOAN FIRM

Govcentral School Finder

Save time in your search for a degree program. Use GovCentral's School Finder to locate schools online and in your area.

Get Info

* In the event that we cannot find a program from one of our partner schools that matches your specific area of interest, we may show schools with similar or unrelated programs.