At some point in time you may have heard, read or watched an advertisement that has talked about full student loan forgiveness that suddenly makes your student loans disappear. This is not real and most likely a scam. There is no such thing as having your student loans completely forgiven by paying any kind of fee, unless you are doing a settlement payoff with the DOE at a lower amount. The only way to qualify to have a portion or all of your loans forgiven is by one the methods described above. There are many scams out there that claim you can have them forgiven right away and this is just not true. If you are permanently disabled you can apply for student loan disability discharge to have your loans forgiven completely. However, this is a long process and should be handled by professionals like ourselves to make sure that the process goes smoothly. However, you can not simply pay a company a fee and expect your loans to disappear. It won’t happen and you will just lose more money. We would need to evaluate whether or not you actually qualify for a student loan forgiveness program or student loan permanent disability discharge.