FORGIVENESS PROGRAMS

Let's get you closer to SAVING MONEY!

There’s no denying it… Navigating student loan forgiveness is more complex than ever.

ONE APPLICATION IS NOT ENOUGH

To successfully reduce or eliminate your student debt, you need a clear strategy, ongoing guidance, and an understanding of changing policies . Otherwise… you risk missing deadlines, making costly mistakes, or getting stuck in a plan that doesn’t serve you—while others take advantage of available relief programs.

This is where we come in. Think of us like your personal student loan strategist , helping you find the best repayment or forgiveness path without the confusion and frustration.

We analyze your situation, guide you through applications, and ensure you’re on track for real relief. By working with us, you save time, avoid stress, and maximize your benefits

OUR SPECIALTIES

Direct Loan Consolidation

Learn how to consolidate your student loans and simplify repayment. We guide you through the process, ensuring you understand each step to secure lower payments, better terms, and a more manageable financial future.

Income & Family Driven Plans

Obtain expert guidance in enrolling in the right Income-Driven Repayment plan. We make it easy to lower your monthly payments and stay on track for loan forgiveness, ensuring you get the most out of available relief options.

Loan Forgiveness

Learn how to qualify for loan forgiveness and reduce your student debt. We guide you through the process, ensuring you understand each step to secure relief through available loan forgiveness plans that fit your situation.

Default Assistance

Stop wage garnishment, bank levies, and tax liens with the right solution for defaulted loans. We guide you through consolidation or the Rehabilitation Program to restore your loans to good standing and safeguard your financial future.

Borrowers Defense

Learn how to qualify for Borrower’s Defense to Repayment, a program that forgives loans for borrowers defrauded by their school. We guide you through the application process, ensuring you understand the steps to secure loan forgiveness.

Have Questions?

No problem, our true passion is educating our customers. Make your FREE No-Obligation call!

Reach Out Today!

Contact

(866) 358-1004

Hours: 8am-5pm pst

Days: Monday - Friday

Navigation

Services

Clients

About Us

Start Saving TODAY!

BOOK MY CALL

Finance on Your Own Website Disclaimer

Finance on Your Own is a consulting agency that provides guidance and educational resources to help individuals navigate tax relief and student loan repayment options. We do not guarantee specific outcomes, reductions, or resolutions within a set timeframe, as results depend on individual circumstances, including the client’s ability to follow guidance and submit accurate and timely information. Finance on Your Own does not assume any tax or student loan obligations, nor do we make payments to creditors, loan servicers, or government agencies. We do not provide tax, bankruptcy, accounting, legal, or financial planning advice.

Before enrolling in any program, clients are encouraged to review all materials carefully and understand the potential impact on their financial situation, including their credit rating. For more details or if you have any questions, we recommend consulting with a Finance on Your Own representative.

Testimonials Disclaimer

All estimates and statements regarding program outcomes are based on historical client experiences. Individual results vary based on financial status, tax or student loan situation, and the client’s ability to complete necessary steps accurately and on time. Among Finance on Your Own clients who seek tax relief guidance, approximately 30% qualify for an Offer in Compromise (OIC), 40% qualify for Installment Agreements (IA) or Partial Payment Installment Agreements (PPIA), 15% qualify for Installment Agreements (IA) with Penalty Abatement, and 15% are placed in Currently Not Collectible (CNC) status. For student loan relief, eligibility for programs such as Income-Driven Repayment (IDR), Public Service Loan Forgiveness (PSLF), or Total and Permanent Disability (TPD) discharge depends on government program requirements and individual qualifications.

Finance on Your Own provides consulting and educational services only; we do not file applications or communicate with the IRS or loan servicers on behalf of clients. Interest and penalties may continue to accrue until obligations are resolved.

Testimonials reflect individual client experiences and are based on specific circumstances. Some individuals may have received compensation for their honest feedback. No testimonial should be considered a promise, guarantee, or prediction of your specific outcome.