Get out of default in minutes with the one-time Fresh Start Program.

Enroll before September 2024 to get out of Default and Regain Access to Relief Programs.

Step 1

Simply Confirm And Submit

Confirm your identity and submit the Fresh Start application right in the app.
Step 2

Restore Your Account and Credit

Borrowers have seen an increase in their credit score by 50 points on average, according to the CFPB.

Restore Credit

  • Removal of “default” on credit reports
  • Eliminate loans from credit reports that have been delinquent for over seven years.
  • Tax refunds will not be withheld, Wages will not be garnished, and Social Security payments (including disability benefits) will not be withheld.

Regain Access

  • Income-Driven Repayment (IDR) plans
  • Forgiveness Programs including Public Service Loan Forgiveness (PSLF)
  • Short-Term Relief including forbearance and deferment
  • Government-backed loans

Discover more Fresh Start Benefits

Check out our blog post for more information on the one-time Fresh Start program.


What is student loan forgiveness?

The Public Service Loan Forgiveness (PSLF) is a federal program designed to provide relief to borrowers who work in qualifying public service jobs and help them manage their student loan debt. The program was established under the College Cost Reduction and Access Act of 2007 to encourage borrowers to pursue careers in public service.

Who qualifies for student loan forgiveness?

To qualify for PSLF, you must be an employee of a federal, state, local, or tribal government or a not-for-profit organization, make 120 qualifying payments on your direct loans, and work full time for that employer. Additionally, you must be on a qualifying repayment plan.

When do I qualify for student loan forgiveness?

The PSLF Program offers forgiveness of the remaining balance on your Direct Loans after you make 120 qualifying monthly payments under a qualifying repayment plan, while working full-time for a qualifying employer. This usually takes around 10 years to achieve.