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And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward –- and free. " Student loan forgiveness might seem too good to be true, but there are legitimate ways to get it through free government programs. We believe everyone should be able to make financial decisions with confidence. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. We're on your side, even if it means we don't make a cent.Teachers employed full time in low-income public elementary or secondary schools may be eligible for forgiveness after working for five consecutive years.

Borrowers defrauded by their colleges may qualify for debt relief. If you qualify, you may have your loans automatically discharged, at the discretion of the Education Department, if your school was involved in clear, widespread fraud or misrepresentation that affected a broad group of borrowers.

» MORE: How to get your Perkins loan canceled You may qualify for loan discharge if your school closes.

At the time of closure, you must have been enrolled or have left within 120 days, without receiving a degree.

Enrolling in federal programs like income-based repayment and federal student loan consolidation is free to do on your own through the Department of Education.

» MORE: Steer clear of ‘Obama student loan forgiveness’ There are a few additional niche student loan forgiveness or payment assistance programs you may qualify for through federal or state programs.

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