About Time: Department of Education Now Provides Income-Based Repayment Option with Direct Loan Consolidation Application Forms

April 15, 2010 Most borrowers who want to earn Public Service Loan Forgiveness will need to consolidate or reconsolidate into the Federal Direct Loan program.  Navigating the sea of paperwork hasn’t been a pleasure cruise for borrowers so far, but recently updated forms will make the process easier.  Until recently, borrowers had to wait until their Direct Loan Consolidation application was approved before they could select IBR.  Now, borrowers can select IBR during the consolidation application process, eliminating that extra step.  Progress! Packet of Forms needed for Direct Loan Consolidation: Read More

College Cost Reduction & Access Act is now fully effective!

June 30, 2009 Two years ago I was sharing Ramen noodle recipes with public service workers struggling to repay student loans.  Tomorrow, the College Cost Reduction and Access Act (CCRAA) becomes fully effective and Income-Based Repayment is available to make federal student loan payments more manageable.  And people working full-time in government and nonprofit positions can earn Public Service Loan Forgiveness (PSLF)! Over the past year we’ve been getting the word out with the help of people like you and organizations like and the Ford Foundation.  You'll Read More

Ditch Your Debt Gremlin

June 11, 2009 Income-Based Repayment (IBR) is a new way to make your federal student loan payments more manageable starting July 1, 2009.  And if you work in government or at a nonprofit (501(c)(3)) organization, you might qualify for public service loan forgiveness after 10 years of eligible payments and employment.   IBR is now in cartoon form!  Ditch Your Debt Gremlin with this cool new video from our friends at -Heather [youtube=]

Free webinars on public service loan forgiveness & income-based repayment

May 7, 2009 We're launching a series of free, interactive webinars focusing on student debt relief and just posted the schedule today! Find out more about both provisions of the College Cost Reduction & Access Act and how you can take full advantage of public service loan forgiveness and income-based repayment. Click here for a schedule and to register. -Aaron

Which loans are eligible for public service loan forgiveness?

May 5, 2009 In two new brief episodes of the Student Debt Relief podcast series, Heather Jarvis delves even further into the College Cost Reduction & Access Act leading up to the full-effective date of the legislation on July 1. In Read More

Student debt relief on the way

April 6, 2009 Equal Justice Works has rolled out a new online student debt relief resource section, according to a release posted today. Read More

New podcast series: Student debt relief

December 10, 2008 Equal Justice Works and American University's Washington College of Law have teamed up to launch an all-new podcast: The Student Debt Relief Series.  The first episode, "How to Figure Out if You Benefit from the College Cost Reduction & Access Act - and How Much?" is available now. Listen to the episode (below) or visit the main page to stream, download or subscribe to the series. Read More

Financial crisis for graduating law students?

October 3, 2008 In the Oct. 6 edition of the National Law Journal, Karen Sloan reports that the "Wall Street meltdown could affect law students nearing graduation." But experts say that the government-backed loans usually taken out by law students are still stable.  Private loans, however, are another story. Read More

UPDATE: Public Service Loan Forgiveness under CCRAA is not taxable

September 26, 2008 Great news for law students planning on receiving loan forgiveness for public service: loan forgiveness under the College Cost Reduction and Access Act is not taxable! Today, the U.S. Department of Treasury confirmed that public service loan forgiveness under the CCRAA meets the requirements of Code Sec. 108(f) and is not taxable. Visit for more information.
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