No, you can use our personalized, top-notch technology to see which programs and plans you qualify for at no cost. If you decide to use our document preparation services to file, there is a fee associated with that. If you choose to complete the process with Docupop, you can print and file the paperwork yourself using our MEmium package – or, have us take care of everything for you using our PREmium package.

Our advanced algorithms know exactly what to ask and what to look for in order to show you the best programs available to fit your needs. By simply answering a few questions about your life and income, our system calculates and shows you the various options for consolidation you qualify for based on your unique situation. You can review the pros and cons of each plan, or if you’re still having trouble, have one of our professional advisers guide you using our PREmium package.

On average, it takes about 10 minutes to input your information and generate which programs you qualify for. If you move forward with filing, it takes about 30 to 45 days for the consolidation to be funded and fully completed by the DOE.

Of course! If you’ve missed payments or are having your wages garnished due to student loans, Docupop can help you file for the DOE’s rehabilitation program to help you get back on track. While enrolled, your monthly payment is calculated down to 15% of your discretionary income plus $5. After 9 on-time payments, you then become eligible for full consolidation.

If you have student loan debt, you’ve probably heard about forgiveness. Student loan forgiveness is a government-backed process that wipes away a portion of your remaining debt. The most common form of forgiveness is awarded to those who work in public service (i.e. nurses, teachers, police officers, etc.). To learn more about forgiveness and other ways to qualify, click here or call one of our Docupop pros at (866) 884-5021

Yes! Borrowers can switch repayment plans as often as needed. If you’ve recently started or ended a new job, changed your marital status, had a baby, or moved states, you may qualify for a new repayment program that better reflects your current needs. If you’ve had any major changes in your life, a quick plan checkup is always a good idea.

It depends on which repayment plan you choose. If you stay in the standard repayment program and continue making payments on time, then yes, you will stay in that plan until your loans are paid off. If you are on an IDR (income-driven repayment) plan or any plan requiring proof of income, you must renew your plan annually.