Main AI reads your promissory note, servicer letters, or repayment terms and flags the rate, the real payoff, forgiveness eligibility, and traps in the fine print.
Public Service Loan Forgiveness (government/nonprofit employment, 120 qualifying payments), income-driven-repayment forgiveness at the end of the plan term, and discharge for school misconduct (borrower defense) or disability are the major federal routes. Eligibility turns on loan type, plan, and payment history — details your servicer's records get wrong often enough to check.
Income-driven plans cap payments at a share of discretionary income and can reach $0/month while still counting toward forgiveness. The right plan depends on income, family size, and forgiveness strategy — and servicers historically steered borrowers into forbearance instead. Compare before accepting any default.
Federal loans offer rehabilitation (nine on-time agreed payments removes the default from your credit report) and consolidation (faster but the default notation stays). Both restore aid eligibility and stop garnishment. Private loans require negotiation — but everything is in the paperwork.
Dispute in writing, request your complete payment history, and escalate to the FSA Ombudsman for federal loans. Miscounted qualifying payments are among the most common servicing errors — and each one delays forgiveness. Main AI reads statements and flags the discrepancies worth disputing.
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