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Freedom from Loans
June 28, 2020

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Freedom from Loans: How a Non-Profit Loan Forgiveness Program Can Help You!

Having a hefty amount of student loans can definitely impact your financial stability. With our guide, you’ll understand the intricacies of student loans and know your options for easing their burden. 

What Is a Student Loan?

This is a type of monetary support created to aid students to finance all their academic needs. These needs include tuition fees, school supplies, and other expenses they need to pay while they are studying. 

How a Non-Profit Loan Forgiveness Program Can Help You

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Types of Student Loans

Federal Loans

This loan is given by the government. Among the variety of loans available, this is the easiest loan to obtain. 

Private Loans

The lender in this type of loan will require the student to present proof that they can repay the loan.

Refinance Loans

This is getting a new loan to pay off an original loan. This is the strictest among the three because it requires a 690 or higher credit score to be approved. 

How to Qualify for a Non-Profit Loan Forgiveness Program

If you have applied for  Federal Direct Loans and are working in the public service sector, and if you have ten years (or 120 monthly) competent payments, then you are eligible for the forgiveness program. Specifically, student loan forgiveness, if you work for non-profit organizations, means that all your student loans will be forgiven.

Non-profit organization student loan forgiveness comes with a certified repayment plan under the condition that you work under a qualified employer. The burden of being able to graduate with a degree is considerably lessened and will encourage the participant to pursue work and offer labor to the public sector. 

Once you are qualified, a request for taking an appropriate loan status forgiveness program can be made. Our team can help you to comprehend your options, and the team will negotiate with the lenders on your behalf. We care about assisting you in achieving your educational goals without having to stress about loan payments after graduating. 

From the viewpoint of Spivak and Shimon, the founders of our company, education preparation is the ultimate objective of the program system. That’s the reason why Debt Quest USA has support personnel that negotiates thousands of dollars in debt. Are you looking for loan forgiveness and debt reduction? Contact us for a Free Debt Relief Quote! 

Working for a Non-Profit and Student Loans: Public Service Loan Forgiveness (PSLF) Requirements for Approval

PSLF qualification concentrates more on the employer’s status and classification of inline careers that they commonly do. One requirement is that the worker must complete at least 30 hours of work each week. Student loan forgiveness for non-profit workers is convenient and helpful in order to decrease their unsecured financial liability. Stated below are the subsequent organizations suited for the student loan forgiveness program:

  • U.S. Federal Government
  • State Government
  • Local Government
  • Tribal Government
  • Not-for-profit organization that is tax-exempt under IRC Section 501©(3)

The following list contains the most common jobs that belong to the non-profit sector:

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In every organization, there has to be someone who knows how to run an office. This person must have skills in organizing, interacting with clients, and other significant roles that are needed to effectively keep the office working.

Health and Human Services

A lot of non-profit organizations look after their clients’ physical and mental welfare. These organizations need employees that have a wide set of skills in specialized areas such as abuse, addiction, and life counselling for youth and adults.

Human Resources

A person with human resources skills can be of great help in a variety of ways. They are the ones who look at applications and hire people based on the company’s values. They even help in building the team’s relationship for better execution of daily tasks and of reaching the company’s goals.


The non-profit sector takes many different forms — from overseeing entire national or regional efforts to guiding the direction of one crucial element of the organization’s goals. Non-profits often draw from the corporate world for the most senior executive positions, as well as from candidates who have risen through the non-profit route that will help govern and control the entire operation.


People with marketing and fundraising skills are of great help in non-profit sectors, as they drive the clientele and funds needed to finance the organization. Marketing gets the word out about an organization and provides the spotlight it needs to continue being relevant and supported.

Other jobs that qualify for PSLF include ones in public safety coercion and law enforcement, public education and library services, and mental health services.

The Department of High Education recommends an annual Certificate Form in Employment to show that the job is advisable for PSFL. This will critically allow them to examine your ranking position, and they would clearly tell you if you are on the right track for being eligible for the program.

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Licensed Student Loan Payments Constraints

Loan payments are required to be submitted on time, on or before the due date. A repayment income plan is preferably associated with a contract of disbursement. It can be an income based, or a revised Pay as You Earn plan. The payment must contain the full, agreed-upon amount

Qualified Payments in Non-profit Loan Forgiveness Program

Pay as you earn plan

This is advisable to those who are not expecting a salary increase in the coming years, have graduate school debt, and are already married where you and your spouse have income. This is a repayment plan that gets the 10% of your declared income for 20 years. Any unpaid amount beyond the 20 years will be forgiven. You will qualify for this plan if you:

  • Took out federal student loans after Oct. 1, 2007.
  • Didn’t have a federal student loan balance when taking out those loans.
  • Received a direct loan on or after Oct. 1, 2011.

Revised pay as you earn plan

10% of your declared income will be deducted for 20 to 25 years. If you are not yet married, you don’t have graduate school debt, and you expect that your income will increase in the coming years, then this repayment plan is for you.

Income-based repayment plan

Out of the types enumerated, this is the most complicated. If you are someone who took out a loan before July 1, 2014, we suggest that you just consider the other repayment options. However, if you didn’t qualify for the pay as you earn plan, then this plan may be for you. 

Income-contingent repayment

This has the highest payment among the others. This costs 20% of your declared income, which is twice as much as the other plans, for 25 years. This is for you if you have a parent plus loan or a consolidation loan, and you want a slightly lower payment in order for you to potentially pay less interest.

Student loan forgiveness for non-profit graduates releases you from your debt little by little. If you’re wondering how you are going to achieve the freedom from your loan, then we are here to accommodate you. Don’t hesitate to ask for our cooperation; feel free to reach out! We want to see you succeed in the near future with great financial stability.

What Happens if You Ignore Your Student Loans?

Your student loans never really go away if you ignore them. When you choose to not mind your student loans, you’ll end up cultivating it with interest and it will only grow, affecting your credit score and affecting almost everything in your future.

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Debt Quest USA: What Other Entities Can Be Covered Alongside Student Loan Forgiveness for Non-profit Workers?

Our settlement program covers unsecured personal and business debt. We can help with issues such as:

  • Major Credit and Store Department Cards
  • Insurance Collection
  • Bank and Enterprise Credit
  • Business Debt
  • Overdraft Bank Fees
  • Installment
  • Unsecured Credit
  • Finance Convention
  • Deficiency Balance

If, for instance, someone has unresolved debt such as a mortgage, home equity loan, car lease and loan, attorney fees, speeding tickets, casino gambling, taxes, or litigations, our team has created a structure for you to get the aid you need in order to negotiate and get control over unresolved debt. 

With our services, you can reduce your debt by 70% via pure affordable payments without upfront fees and burdening obligation. Sign up and enjoy your free quote.

Do We Provide Non-Profit Student Loan Counseling?

The Federal Reserve Bank of New York has reported that 2.1 million borrowers are at least 90 days overdue on student loan payments. According to the study, at the time, 3.8 million loan borrowers were in default. Risk has reached a higher rate of problem because of the negligence of consumers. They realized outstanding student loan debt rose up from $10 billion to $1.51 trillion.

This means that a non-profit student loan counseling can facilitate the borrower in making good choices. The objective of non-profit student loan counselors is to help consumers understand which options are realistic. Our counselors may suggest to you an outline plan for your debt. 

Cases Where Payment Plans Don’t Qualify for PSLF

Unfortunately, if your application was forfeited and outright denied because you happen to fail to comply with the protocol of the repayment plan, you won’t qualify. 

Recently, legislative branch lawmakers have ordered a conditional fix to this feature. The latest program called Temporary Expanded Public Service Loan Forgiveness (TEPSLF)  will give you a chance to receive loan forgiveness as some loan payments you have made under PSFL that didn’t qualify might be accounted for under TEPSLF. It is introduced as one of the most powerful forgiveness benefits over the past years. Make sure to contact DebtQuest USA to find out if you’re meant to qualify for TEPSLF, and request to reconsider your application as part of this order of details.

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How to Qualify for TEPSLF

You must have:

  • submitted the Public Service Loan Forgiveness (PSLF): Application for Forgiveness and had that application denied only because some or all of your payments were not made under a qualifying repayment plan for PSLF;
  • had at least 10 years of full-time employment certified by a qualifying employer and approved by FedLoan Servicing, ED’s federal loan servicer for the PSLF Program;
  • met the TEPSLF requirement for the amount you paid 12 months prior to applying for TEPSLF, and the last payment you made before applying for TEPSLF was at least as much as you would have paid under an income-driven repayment plan; and
  • made 120 qualifying payments under the new requirements for TEPSLF while working full-time for your qualifying employer or employers.
  • Note: At a minimum, a qualifying monthly payment is a payment that you made
    • after Oct. 1, 2007;
    • for the full amount due as shown on your bill;
    • no later than 15 days after your due date; and
    • while employed full-time by a qualifying employer.

TEPSLF solves complicated dilemmas with PSFL when a consumer has a problem with the repayment plan. However, it does not accommodate many borrowers that mistakenly provided the wrong type of federal loan process. In 2018, 28,000 borrowers submitted applications to try and if they can cancel their debts, but only 96 were ratified. More than 70% of them were rejected because they left out important information from their applications. The Government Accountability Office (GAO) credited these rejected proposals to the confusing program rules.

After reading all that we have discussed, are you finally convinced how we could be of good help in making the weight more bearable for you? If so, then we are here to help ease your burdens. 

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