Loan Help Services

School closed? A closed school discharge or Borrower Defense may cancel your federal loans. See the 120 and 180 day rules, extended dates, and next steps....

IBR is only for loans disbursed before July 1, 2026. See the 10% or 15% payment rule, the 20 or 25 year timeline, and how PSLF fits in....

RAP opens July 1, 2026. Payments are 1% to 10% of AGI minus $50 per dependent. Parent PLUS is not eligible. Legal Touch handles the paperwork....

Income monitoring for TPD discharge ended in 2023. Learn what still reinstates loans in the three-year window, how the VA path differs, and tax basics....

Parent PLUS rules changed July 1, 2026. See who can still get IBR and PSLF, why consolidating now locks you into one plan, and how to get out of default....

Wage garnishment and tax refund offset on defaulted student loans are paused, but a 2027 restart is reported. See the rules and how to get out of default....

PSLF Buyback can turn deferment and forbearance months, including SAVE forbearance, into qualifying payments. See who qualifies, the cost, and 2026 wait times....

SAVE is over and servicers are moving borrowers. Compare RAP, IBR, Standard, and Tiered Standard, see what happens if you miss your deadline, and get help....

PSLF, Perkins cancellation, 0% military interest, and VA disability discharge can cut student debt for service members, firefighters, and police. See what fits....

Rehabilitation can remove a student loan default from your credit report. Consolidation is faster. Compare both and see how Legal Touch handles the process....

Many people on SSDI or SSI can get federal student loans discharged through TPD. See which Social Security codes likely qualify and how Legal Touch handles it....

Teachers can use Teacher Loan Forgiveness and PSLF, but the same years cannot count twice. See which path likely forgives more and how Legal Touch handles it....

Student loans in default? Legal Touch reviews your options and handles consolidation to help stop collections and garnishment. $495 flat fee....

Have a disability that keeps you from working? Legal Touch gathers your proof and files your Total and Permanent Disability discharge for you. $495 flat fee....

Work for a nonprofit or government employer? Legal Touch checks your PSLF eligibility, fixes your repayment plan, and files every form for you. $495 flat fee....