A True Fresh Start for Your Student Debt
Directly connect your federal student loan database history, evaluate every federal forgiveness & repayment program, and generate court-admissible bankruptcy statements.
Total federal relief discharged across PSLF, one-time Income-Driven Repayment (IDR) count adjustments, borrower defense, and disability determinations.
Temporary pauses granted during servicer transfers, litigation injunctions, or borrower requests. A critical risk: standard forbearances do NOT advance forgiveness clocks.
Official statutory postponements for in-school enrollment, economic hardship, cancer treatment, or military deployment. Subsidized interest is covered; unsubsidized continues running.
| Key Metric / Legal Impact | Income-Driven Forgiveness (IDR/PSLF) | Forbearance (General/Admin) | Deferment (Hardship/In-School) |
|---|---|---|---|
| Counts toward PSLF 120-Payment Clock? | ✓ Yes (Every qualifying month) | ✗ No (Clock completely frozen) | ✗ No (Except Peace Corps/specific deferments) |
| Counts toward 20/25-Yr IDR Cancellation? | ✓ Yes (Full credit counted) | ✗ No (Unless special one-time waiver) | ✗ No (Standard deferments pause time) |
| Required Monthly Cash Payment | Calculated by income (Can be $0.00/mo) | $0.00 / month (Temporary pause) | $0.00 / month (Temporary postponement) |
| Interest Accrual & Subsidies | ✓ 100% unpaid interest covered under SAVE | ✗ Interest runs daily on all balances | ⚠️ Gov covers Subsidized; Unsubsidized runs |
| 11 U.S.C. § 523(a)(8) Brunner Good-Faith Credit | ⭐️ High — Proves proactive attempt to repay | ⚠️ Questioned if used repeatedly to stall | ⚠️ Neutral — Proves temporary hardship only |
| Duration / Eligibility Limits | Permanent (Annual recertification) | Capped at 12–36 consecutive months | Strict 3-year lifetime economic cap |
Upload your official StudentAid.gov history. Evaluate your lowest possible monthly payment under SAVE, PAYE, and IBR, and qualify for 100% tax-free loan discharge under PSLF.
- Automated StudentAid.gov MyStudentData universal import
- Side-by-side plan comparisons (SAVE / IBR / PAYE / ICR)
- PSLF & Teacher Loan Forgiveness countdown trackers
- Instant pre-filled official federal OMB application packages
- Monthly payment routing & verified audit trail
Built specifically for bankruptcy attorneys handling 11 U.S.C. § 523(a)(8) Adversary Proceedings and the Department of Justice / Dept of Education Undue Hardship Guidance.
- Multi-client case management & intake workflow
- 1-Click official DOJ/ED Bankruptcy Attestation statement
- Court-admissible Brunner Test Good-Faith payment ledger
- Direct consolidation & FFEL restructuring advisor
- Full audit package formatted for CM/ECF federal filing
Direct Practice & Borrower Support
Have questions about evaluating student loans, custom law firm onboarding, or court exhibits? Reach out to Matt Branson directly by phone or email.