Student Loan Forgiveness

If you have Federal Student Loans you may qualify for any of the student loan forgiveness programs that are available to borrowers. You may be eligible for principal reduction, loan forgiveness, or a complete loan discharge depending on your individual circumstance.

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Income Based Payments

If you are suffering from a financial hardship, you may be eligible for an Income Based Payment. In this repayment program, you would have a payment based on your income and family size. The payment could be as low as $0.00 per month…

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Loan Consolidation Prep

Loan consolidation will take all your federal student loans and combine them into one new loan. You will have only one lender, with one monthly payment. In this consolidation you are able to choose a payment plan that’s affordable to you. By consolidating…

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More Than Just Experts

When you contact our student loan loan counselors, you access more than answers and sound advice-you gain an advocate.  Their goals are to ensure your rights as a borrower are respected, Your loan service provider answers any questions to your…

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Our experts help relieve the stress of student loan and also give you the knowledge you need to understand your rights, the programs available, and the skills needed to protect your assets.

Our Expertise is earned through
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FreedomLRS is a private company, and is NOT AFFILIATED WITH THE DEPARTMENT OF EDUCATION or any other academic or governmental entity.

You can apply for loan consolidation, without paid assistance.

FreedomLRS helps you to prepare and process the application for student loan consolidation and repayment programs offered by the DOE.

FreedomLRS 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.

If you are an existing FLRS client and need assistance please contact student support:
1 (888) 780-6225

When can my federal student loans beforgiven, canceled, or discharged?

You must repay your loans even if you don’t complete your education, can’t find a job related to your program of study, or are unhappy with the education you paid for with your loan. You also can’t claim that you have no responsibility for repaying your loan because you were a minor (under the age of 18) when you signed your promissory note or received the loan. However, certain circumstances might lead to your loans being forgiven, canceled, or discharged.

The list below is a quick view of the types of forgiveness, cancellation, and discharge available for the different types of federal student loans.

Public Service Loan Forgiveness
Teacher Loan Forgiveness
Perkins Loan Cancellation (includes Teacher Cancellation)
Total and Permanent Disability Discharge
Death Discharge
Bankruptcy Discharge (in rare cases)
Closed School Discharge
False Certification of Student Eligibility or Unauthorized Signature/Unauthorized Payment Discharge

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Don't Just Take Our Word For It

Listen to what happy graduates have to say about us.

Shiree R.

They were patient, kind and explained thing very well. It was really helpful and I feel better. I feel like I can breathe a sigh of relief knowing that if my financial status changes, I will be covered.

Devon S.

This place was amazing and really friendly. Consolidated my student loans and got me back in school. They understood my hard ship and got me qualified in 30 minutes. Galo was amazing and very helpfull

Erica L.

I had the best experience with FLRS. He was very patient and informative. He was also sensitive when speaking with my about my concerns. He is one of the best customer service professionals I’ve ever spoken to–just as impressive as the money that I saved by calling! Thank you!

Tommy J.

Flrs was awesome. I had about 20k in student debt that I was looking to settle. Overall, we were able to get it done just south of 40% of total debt amount. Eric was great, we ended up getting the job done at the end of the day and that’s what matters.


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Take the first step and speak with a Loan consolidation expert.

Review and Prepare

Our experts collect all the info needed to start the process of preparing your loan consolidation documents.


Your professionally prepared documents are now ready to be submitted and you are on your way to a simpler repayment solution.

1 (888) 780-6225

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1 (888) 780-6225