Disclaimer: Student Loan Tutor is an independent business. We are not affiliated with and do not work for the US Internal Revenue Service (IRS) or the Department of Education. We are not a collection agency. All services are provided at the direction of our clients.

Seizing Student Loan Forgiveness: Why Now is Critical


As the specter of a new presidential election looms, the urgency for Americans burdened with student debt to capitalize on existing forgiveness programs has never been more pronounced. With each passing administration, policies regarding student loans undergo potential shifts that could significantly impact borrowers' financial futures. Here’s why it is imperative to act swiftly and decisively in leveraging student loan forgiveness options before political landscapes potentially change once again.

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What Comes Next After the One-Time Account Adjustment

May 10, 2024

After the one-time account adjustment is completed by the Department of Education in July 2024, the loan servicers and Department of Education are looking to implement a new tracking system for updates on eligible payments for Income-Driven Repayment plans.

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Who Will Benefit From Biden’s $7.4 Billion in Student Loan Forgiveness

April 16, 2024

The Biden Administration revealed on Friday April 12th that over 275,000 borrowers enrolled in programs like Saving on a Valuable Education (SAVE), public service loan forgiveness (PSLF), and those benefiting from previously announced adjustments to income-driven repayment plans are set to receive substantial student debt relief totaling $7.4 billion.

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Some Student Loan Forgiveness Programs Are Set to End Soon

February 28, 2024

The “one time account adjustment” is set to end by April 30, 2024. This adjustment benefits over 3.6 million federal direct loan borrowers enrolled in forgiveness programs. It specifically allows borrowers to have all previous payments, regardless of loan or repayment type, count toward forgiveness.

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Don’t Miss Your Chance to Save Big with the One-Time Account Adjustment

July 10, 2023

Recent updates to the federal student loan program will allow some borrowers to count backdated months toward their loan forgiveness date, and the Biden Administration is waiving federal taxes on loans forgiven through 2025.

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The Phenomenon of the Negative Interest Rate of Student Loans

June 1, 2023

For most of our clients, their effective interest rate is considerably lower than the stated interest rate. In some cases, it might even be 0%, sometimes negative 50%, and in extreme cases, even negative 100% interest.

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How To Pay Off $100k Plus in Student Debt

May 12, 2021

Learn how to pay off over $100,000 in student debt. There is light at the end of the tunnel, and getting there is not as daunting as you might believe.

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Mastering Your Federal Student Loans

April 14, 2021

Learn more about how you can master your federal student loans. Read our blog article today to get the latest insights.

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What is Student Loan Forgiveness and Student Loan Repayments?

April 2, 2021

What is student loan forgiveness? In this article, we cover student loan forgiveness, student loan repayments, and how you can save more.


To Refi Or Not?

January 19, 2022

Refinancing your student loans is pushed everywhere. Why is this and who is it actually right for?

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5 Student Loan Repayment Tips

March 26, 2021

Check out these student loan repayment program tips for graduates. Read our blog article today to learn more and how to plan.


The 5 Star Student Loan Advisor

Student Loan Tutor is ranked 5.0 stars on the Better Business Bureau, Facebook and Google.

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5/5 stars. Established 2015.

Why Clients Love Us


Saved me over $150,000 on my loans. They take the time to answer ALL your questions, and do almost every single part of the process FOR YOU, so you don’t have to stress out about making a small mistake that could cost you tons of money. I feel like they lifted a small elephant off my back. Thank you!"

-Lauren Buckley

You Are Paying Too Much

Your student loans don't need to be such a burden. We're here to help show you a better way.