
How Can I Get Rid of Student Loans Without Paying?
There’s no simple way to get rid of student loans without paying, but there are forgiveness options if you can qualify.

There’s no simple way to get rid of student loans without paying, but there are forgiveness options if you can qualify.

Government-backed FFELP student loans were discontinued in July 2010, but millions of borrowers are still repaying them.


Sallie Mae provides private student loans. Federal loans formerly managed by Sallie Mae were moved to other servicers.


When you don't pay student loans, you eventually default, which damages your credit and can even lead to wage garnishment.



Student loans usually aren’t due during graduate school, but paying them can decrease the amount you owe.


Cost of attendance is determined by your college and affects financial aid and student loan maximums.


You can update the FAFSA after it is processed to correct a mistake or add or delete schools that receive your information.

It's unclear what campuses will look like this fall, but students will still depend on loans to pay for college.


To receive unemployment deferment of student loans, you must be receiving unemployment benefits or looking for a job. The program is ending for new borrowers in 2027.


Making interest-only payments on student loans can decrease the amount you repay overall.


Marrying someone with student debt could impact the couple’s future financial plans. However, any student debt borrowed before you got married will remain yours after a divorce.


You can defer parent PLUS loans while your child is in school at least half-time and up to six months after.


With bad credit you won’t be able to co-sign a student loan, but there are other options.

Your student loan forgiveness may be taxable after 2025. Use the extra time on an income-driven repayment plan to save for a potential tax bomb.


American Education Services manages FFELP loans for the federal government.


Most students pay for vet school with student loans, but take steps to minimize how much you borrow.


Students pay less at in-state vet schools, but still spend more than $200,000 for a D.V.M. on average.


If your financial aid package isn't enough to cover costs, you can consider scholarships and grants or parent PLUS loans.


You can consolidate multiple federal student loans into a single, new federal loan on studentaid.gov. To consolidate (or refinance) private student loans, go directly to a private lender.
