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Getting Rid of Student Loan Debt

Learn how my wife got rid of over $150,000 student loans, working for a non-profit. How you can avail the student loan forgiveness.

My wife recently had over $150,000 student loans forgiven.

Yes, we partied and celebrated like it was 1999 with social distance and a mask.

Okay, let me focus and get back to the regularly scheduled program.

Yes, you heard that right, over $150,000 forgiven, and it is an astronomical amount. Dr. Graham’s student loan debt came from graduate school only because she received an academic scholarship which provided a full-ride for everything she needed during her undergraduate years.

But, the student loan monster didn’t escape her like millions of Americans, especially us black and brown Americans.

She attended an Ivy League for her graduate degree, and she received a Ph.D. in clinical psychology and a 6 figure burden of debt on her back and shoulders (yep, she has back pain).

Before she signed one promissory loan, she had a plan to pay the loans back, and 10 years later, her goals/dreams became a reality.


I am glad you asked, The PUBLIC SERVICE LOAN FORGIVENESS (PSLF) program.



Public Service Loan Forgiveness (PSLF) is a federal program that forgives student loan debt for borrowers who work for non-profit or government entities. Government jobs include educators, firefighters, military members, nurses, and other local or federal government positions.

You must make 120 payments (10 years) of eligible payments. After your last payment, the remaining balance on your Direct Loans will be forgiven, and you will be debt and burden FREE.

Are You Eligible?

Student Loan Forgiveness


Only Direct Loan Program loans that are not in default are eligible for PSLF and TEPSLF. Loans you received under the Federal Family Education Loan (FFEL) Program, the Federal Perkins Loan (Perkins Loan) Program, or any other student loan program are not eligible for PSLF.

If you do not have a Direct Loan, no worries, you can consolidate your loans into a Direct Loan Consolidation, and then you will qualify.

Yep, that easy. Learn all about Direct Loan Consolidation Here 

If you have Direct Loans, please consolidate all of your loans together. If you do not have Direct Loans, please consolidate your student loans into Direct Loans.

How Do You Apply?

You keep asking excellent questions.

Once your loans are consolidated, you can print this application (CLICK HERE) and fax the completed application to 717-720-1628.
Mail to: U.S. Department of Education, FedLoan Servicing, P.O. Box 69184, Harrisburg, PA 17106-9184.

If you want to APPLY electronically, CLICK HERE (once you clicked the link, look on the right side and click Log In To Start – blue rectangle)

How Can I Learn More About PSFL and TEPSFL?

Click HERE 

Taking care of our student loan debt helps us build generational wealth because we have more money to leverage. The extra money we have will be invested in the stock market, cryptocurrency, and savings.

Don’t avoid your student loan debt; find a way to face it head-on and get rid of it. You can do it, and we highly recommend looking into the PSFL AND TEPSFL programs.

If this information was helpful click the greenish/blue circle on the right and share on SOCIAL MEDIA because we all need this information, Help Spread Helpful Information…



The first financial conference focused on bringing Black and Brown Families together to learn, grow, and empower ourselves to create generational wealth and JOY. YEP, IT’S FREE


September 17th, 2022 (Saturday) 12:30 pm – 5:30 pm

Ruby Taylor

Author Ruby Taylor

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