Student Loans
Lower payments, forgiveness programs, getting out of default — it’s all real, and it’s all free to do yourself. Here’s how, plus how to dodge the scammers circling this space.
Everything below goes to the official, free government site. Or ✦ ask Sorcery AI to help you figure out your next step.
The official home base. Log in to see exactly what you owe, who your servicer is, and every program you’re eligible for — all in one free account.
Income-driven plans can set your payment based on what you actually earn — sometimes far lower. Compare every plan with the official free Loan Simulator before you choose.
Work for the government or a nonprofit? PSLF can erase your remaining federal loans after about 10 years of qualifying payments. Many who qualify never sign up.
Teachers, people with disabilities, and borrowers whose school closed or defrauded them may have loans cancelled entirely. Worth checking — these are real and free to apply for.
Default isn’t the end of the road. There are free ways to get back on track and out of default — protecting your wages, tax refund, and credit. Don’t wait it out.
“Pay us and we’ll forgive your loans fast” is the #1 student-loan scam. Learn the exact red flags from the Dept. of Education so you never hand money — or your password — to a fraud.