
Student Loan Payments Are Back For 2025 — And So Are the Consequences
The Department of Education has resumed billing millions of borrowers — and missed payments are now being reported to credit bureaus. If you fall behind, you could face delinquency, default, and long-term damage to your credit. Don’t wait until it’s too late to act.
How It Works — We Make It Simple:
Call or message us for a free consultation. We'll ask a few questions to understand your situation and explain which federal programs you may qualify for — including $0 payment plans for forgiveness.
Our team prepares and submits your documents for federal student loan programs like IDR or PSLF (Public Service Loan Forgiveness). No confusing forms or missed deadlines.
Once enrolled, you’ll know exactly what to expect — and we’ll remind you of any renewals so you stay in good standing. No surprises. No stress.
Have questions? We're here to help.
Fill out the form or click the chat box in the bottom right corner to connect with a live agent. Prefer to speak now? Our student loan specialists are standing by to take your call.
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ZeroDollarPayment
Disclosure: ZeroDollarPayment (ZDP) does not negotiate, adjust, or settle debts. ZDP is an affiliate referral program that connects individuals with a privately held document preparation company specializing in federal student loan paperwork. We are not a law firm, debt settlement agency, or loan servicer. All federal student loan borrowers are able and encouraged to apply for any repayment or forgiveness programs directly through the U.S. Department of Education at no cost, without paying fees to any third party. Nothing on this site constitutes official qualification, legal advice, or a guarantee of results. ZeroDollarPayment is not affiliated with the U.S. Department of Education or any government entity. Our Value: We refer you to trusted professionals who assist with reviewing eligibility, properly completing federal student loan documents, and providing one-on-one support through a dedicated enrollment specialist to answer your questions every step of the way.
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