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Call: 1-800-409-0719

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Submit your information and get a FREE copy of our Federal student loan eBook immediately sent to your email. Learn about federal options like Income Based Repayment and Direct Consolidation!

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Federal Student Loans

Your Federal Student Loans can be forgiven. Just qualify for any of the existing Forgiveness Programs on-hand. Want to see if you qualify? CALL US NOW to begin the process!
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Income Based Repayment

Struggling money-wise but still want to try to repay your student loan? Income-based repayment programs might be the solution for you. With payments averaging $0/month, it's an easy way to start making your total debt a little smaller.
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How Does Student Loan Forgiveness Work?

The Obama administration introduced a progressive student loan forgiveness initiative with many substantial benefits for those with outstanding federal student loans. Included in this program are:
  • 100% federal student loan forgiveness following 240 monthly installment payments by borrowers.
  • A "Pay-as-You Earn" Student Loan Repayment Plan option introduced
  • Overall update of earlier Public Service Loan Forgiveness Program that forgave debt after 120 monthly payments has been made by the borrower.
  • In 2014, borrowers could be eligible for payments based solely on 10% of their discretionary income.
  • Introduction of funds to support college funding, funding for minorities, and financially disadvantaged students.
  • The federal government could no longer give subsidies to private lenders on federal student loans.
Call : 1-800-409-0719

Repayment Plans

Regarding Student Loan Forgiveness, borrowers can take advantage of a few benefits. For example, the Standard Repayment Plan allows you to pay a fixed monthly installment on your loan as little as 1% of your total amount. This can be done through the Income Contingent Repayment Plan (more information below).

Standard Repayment Plan

Standard Repayment Plan

Under this plan, you can pay a fixed loan payment equaling about 1% of your tota.....

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Standard Repayment Plan

Income Contingent Repayment Plan (ICR)

The Income Contingent Repayment (ICR) will calculate your minimum monthly instal.....

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Standard Repayment Plan

Graduated Repayment Plan

If you want a lower start-out payment that increases only every 2 years, the Gra.....

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Standard Repayment Plan

Income-based Repayment Plan (IBR)

Estimating your monthly payments using your income, family size, and loan balanc.....

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Standard Repayment Plan

Pay As You Earn Repayment Plan (PAYE Plan)

Also based on your income, family size, and loan balance, the Pay-as-You-Earn Re.....

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Standard Repayment Plan

Revised Pay-as-you-earn Plan (REPAYE Plan)

The Revised-Pay-as-You-Earn Plan (REPAYE), a brand-new income-based program, is .....

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Standard Repayment Plan

Public Service Loan Forgiveness (PSLF)

Qualifications are not based on the type of work you do for an employer but on t.....

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Standard Repayment Plan

Teacher Loan Forgiveness (TLF)

To also encourage college students and new graduates to break into and remain in.....

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Need additional assistance now? We can help. Give us a call today!

Best Student Loan Forgiveness Plan for You

With approximately $1.2 trillion in total debt according to the Consumer Financial Protection Bureau, student loan debt seems very much out of control. Don't worry! American Studen.....

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American Student Services starts the process by guiding you through all the prepared documents in great detail. This way, you will have a clear and complete understanding of the va.....

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After you've been educated on how the program works and the documents you need to provide, American Student Services will take care of the rest. You don't need to worry about compl.....

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Our Debt-Free Vision and Mission

American Student Services makes it our goal to share our expertise on student debt relief. We hope we not only educate you on the ins and out of the student federal loan forgivenes.....

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How the Obama Student Loan Forgiveness Initiative Differs

Founded in 2009, the William D. Ford Direct Loan Program as the Obama Student Loan Forgiveness Program is officially known, implemented several reforms to Direct Loan Program, applicable exclusively to federal student loans. Borrowers like yourself who are finding repaying their federal loan becoming a financial burden can easily find their way out of debt by taking advantage of several new options offered. The video below can teach you how you can benefit from improved repayment plans. Delaying or decreasing your payment installments, and how to consolidate your federal student loans for better debt management and repayment.

As you can see, you have options when it comes to your student loan.

Ready to talk about student loan forgiveness now? Talk to us today! We can see if you're eligible for any of the programs we've covered. You're under no further obligation for calling us to find out. Our friendly staff is here to help so call now to find out more about us and your student loan forgiveness options. Call us now at 1-800-409-0719! Want to find out more before you call? Get a FREE digital copy of the Federal Student Loan guide emailed to you today. You can learn about all kinds of ways to repay your federal student loan from direct consolidation to income-based repayment and much more.

Submit information!

and get a FREE copy of our Federal student loan eBook immediately sent to your email. Learn about federal options like Income Based Repayment and Direct Consolidation!

Submit Your Information!

And get your free ebook


Submit your information!

and get a FREE copy of our Federal student loan eBook immediately sent to your email. Learn about federal options like Income Based Repayment and Direct Consolidation!



✓American Student Services helps you prepare and process the application for student loan consolidation and repayment programs offered by the DOE.

✓ American Student Services is not a loan servicer and does not provide debt relief services, including renegotiating, settling, or in any way altering the terms of payment or debt.

✓This site is not affiliated with or endorsed by the U.S. Department of education. The content or any information posted on this site does not reflect the views of the U.S. Department of Education.

✓You can apply for loan consolidation or other repayment assistance without paid assistance at no cost through the Department of Education (DOE) at