Every relief option. One clear path.
Luna analyzes your full loan profile and matches you to the programs you actually qualify for — with projected savings and forgiveness timelines.
Federal relief programs, explained
Every major program available to federal student loan borrowers — what it is, who qualifies, and how Luna helps you enroll.
Income-Driven Repayment Plans
Cap your payments at a percentage of your income
IDR plans tie your monthly payment to your income and family size — not your loan balance. After 20–25 years of qualifying payments, any remaining balance is forgiven. Luna identifies which IDR plan gives you the lowest payment and fastest forgiveness path.
What's included
- SAVE Plan — Lowest payments for most borrowers — replaces REPAYE
- PAYE — 10% of discretionary income, 20-year forgiveness
- IBR — 10–15% of discretionary income, 20–25 year forgiveness
- ICR — 20% of discretionary income or fixed 12-year payment
Luna tip: Many borrowers qualify for $0/month payments under SAVE. Luna calculates your exact payment before you enroll so there are no surprises.
Public Service Loan Forgiveness
Full forgiveness after 10 years of public service
PSLF forgives your remaining federal loan balance after 120 qualifying payments while working full-time for a government or nonprofit employer. Luna verifies your employer eligibility, tracks your qualifying payment count, and files your Employment Certification Forms.
What's included
- Government employment — Federal, state, local, or tribal government at any level
- Nonprofit 501(c)(3) — Tax-exempt organizations under Section 501(c)(3)
- Other public service — AmeriCorps, Peace Corps, qualifying public interest law
- Military service — Active duty U.S. military counts toward PSLF
Luna tip: Servicer errors have cost thousands of PSLF borrowers qualifying payments. Luna audits your payment history and disputes miscounts on your behalf.
Targeted Forgiveness Programs
Profession-specific and situation-based relief
Beyond IDR and PSLF, federal law provides forgiveness for teachers in low-income schools, borrowers defrauded by their school, and those with total and permanent disabilities. Luna screens your profile for every targeted program you may qualify for.
What's included
- Teacher Loan Forgiveness — Up to $17,500 forgiven after 5 years in a low-income school
- Borrower Defense — Full discharge if your school misled you or closed
- TPD Discharge — Full discharge for total and permanent disability
- Closed School Discharge — Automatic discharge if your school closed while enrolled
Luna tip: Borrower Defense and closed school discharge claims have strict deadlines. Luna flags time-sensitive opportunities so you don't miss your window.
Ongoing Compliance Management
Stay enrolled and never lose qualifying progress
Getting into a program is only half the battle. Annual recertification, employer certification renewals, and servicer errors can silently derail years of progress. Luna's compliance engine monitors your account year-round and handles every deadline automatically.
What's included
- Annual recertification — Income and family size updates filed before your deadline
- PSLF payment audits — Quarterly review of qualifying payment counts
- Servicer error disputes — Formal disputes filed when servicers miscount payments
- Program change alerts — Notified immediately when new relief options open
Luna tip: Missing your annual recertification deadline can cause your payment to spike to the standard amount and restart your forgiveness clock. Luna sends reminders 90, 60, and 30 days out.
Which program is right for you?
Luna matches you automatically — but here's a quick guide to how the programs compare.
I work for a government agency or nonprofit.
PSLF is likely your best path — 10-year forgiveness is the fastest available. Luna will verify your employer and start tracking your payment count.
I'm a teacher at a low-income school.
You may qualify for both Teacher Loan Forgiveness ($17,500) and PSLF. Luna will sequence them to maximize your total forgiveness.
My income is low relative to my loan balance.
An IDR plan — especially SAVE — will cap your payment and put you on a 20–25 year forgiveness track. Luna calculates your exact payment before enrollment.
My school closed or I was misled by my school.
You may qualify for a full discharge through Borrower Defense or Closed School Discharge. Luna will review your situation and file the claim.
I'm not sure which program fits my situation.
That's exactly what Luna is for. A free analysis screens every program against your full loan profile and ranks your options by total lifetime savings.
Find out which programs you qualify for
Luna's free analysis takes under 10 minutes and shows you every program you're eligible for — with projected payments and forgiveness timelines.
SLRG CRM Luna is an educational technology platform. We are not a law firm, financial advisor, or debt settlement company. Federal student loan programs and eligibility requirements are subject to change. Information provided is for educational purposes only and does not constitute legal or financial advice.