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Advertisers of the Student Loan Debt Relief TV Spot, 'Special Free Offer'

Student Loan Debt Relief TV commercial - Special Free Offer
Student Loan

Student Loan Company is a financial institution that specializes in providing loans to students to help them finance their education. The company understands the importance of education and aims to su...

What the Student Loan Debt Relief TV commercial - Special Free Offer is about.

Student Loan Debt Relief TV commercial - Special Free Offer

Title: Student Loan Debt Relief TV Spot, 'Special Free Offer'

[Soft piano music plays in the background as the TV spot begins.]

Narrator: Are you drowning in student loan debt? Feeling the weight of those hefty repayments dragging you down? Well, we've got a special offer just for you!

[Camera cuts to a young woman, sitting at a table piled high with stacks of paperwork, looking frustrated and overwhelmed.]

Narrator: Introducing Student Loan Debt Relief — your ticket to financial freedom.

[The camera zooms out, revealing a team of friendly financial experts, ready to assist.]

Narrator: Our team of experienced professionals understands the struggles you face. That's why we're here to provide you with a special free offer that can change your life.

[Camera pans to display a toll-free number and a website address.]

Narrator: By calling our toll-free number or visiting our website, you can take advantage of our exclusive offer tailored specifically to your needs — all without paying a dime!

[Cut to a split-screen, featuring before and after images of a young couple.]

Narrator: Meet Derek and Sarah. They were just like you, sinking deeper into an ocean of debt. But with our help, they turned their lives around.

[Images show Derek and Sarah happily signing documents, then transitioning to them smiling outside a bright new home.]

Narrator: They said goodbye to sleepless nights and endless worry, and hello to financial stability and peace of mind.

[Cut to a testimonial shot of Derek and Sarah, looking hopeful and grateful.]

Derek: Thanks to Student Loan Debt Relief, we finally have control over our future.

Sarah: They listened to our concerns, understood our goals, and provided a path to success. And the best part is, it didn't cost us a penny!

Narrator: Imagine what you could achieve with the weight of student loan debt lifted from your shoulders. All it takes is one call or a visit to our website to get started.

[Cut to a montage of satisfied customers expressing their gratitude.]

Narrator: From teachers to lawyers, nurses to engineers, thousands of individuals just like you have found relief through Student Loan Debt Relief.

[The montage transitions to images of happy customers celebrating their newly debt-free lives.]

Narrator: Don't let the burden of student loans hold you back any longer. Take the first step towards a brighter future by contacting Student Loan Debt Relief today.

[Screen fades to black, displaying the toll-free number and website once again.]

Narrator: Remember, this offer won't last forever, so don't wait. Call now or visit our website to claim your special free offer. Student Loan Debt Relief — helping you pave the way to a debt-free tomorrow!

[Upbeat music plays as the TV spot ends.]

Disclaimer: Student Loan Debt Relief is not affiliated with any government program and offers services as a third-party provider to help individuals manage their student loan debt. Results may vary. Terms and conditions apply. Please see website for full details.

[End of TV Spot.]

Student Loan Debt Relief TV commercial - Special Free Offer produced for Student Loan was first shown on television on June 29, 2014.

Frequently Asked Questions about student loan debt relief tv spot, 'special free offer'

Public Service Loan Forgiveness (PSLF) If you work full time for a government or nonprofit organization, you may qualify for forgiveness of the entire remaining balance of your Direct Loans after you've made 120 qualifying payments - i.e., 10 years of payments.

Income-Based Repayment (IBR) - Depending on when you first took out loans (before or on or after July 1, 2014), payments are generally 10% or 15% of the borrower's discretionary income, but never more than the 10-year Standard repayment plan amount. The remaining unpaid balance of loans is forgiven after 20 or 25 years.

It may be wise to just keep paying your student loans on time and perhaps wait to see if this new student loan forgiveness program can get some of your balane forgiven down the line. This is a perfect reason to not rush on your student loan payments and prioritize other investments or payments that are more urgent.

PSLF allows qualifying federal student loans to be forgiven after 120 qualifying payments (10 years), while working for a qualifying public service employer.

After 20 years - sometimes 25 - the remaining balance is forgiven. While forgiveness is distant, these plans allow many retirees and seniors living on a fixed income to have an affordable payment.

Income-Based Repayment (IBR) - Depending on when you first took out loans (before or on or after July 1, 2014), payments are generally 10% or 15% of the borrower's discretionary income, but never more than the 10-year Standard repayment plan amount. The remaining unpaid balance of loans is forgiven after 20 or 25 years.

7. You'll End Up With a Hefty Tax Bill. Potentially the most significant drawback of student loan forgiveness is the taxes. With a few exceptions, including PSLF, the IRS considers the amount of your forgiven balance to be taxable income.

Any outstanding balance on your loan will be forgiven if you haven't repaid your loan in full after 20 years (if all loans were taken out for undergraduate study) or 25 years (if any loans were taken out for graduate or professional study).

If you qualify for student loan forgiveness or discharge in full, and have applied if necessary in your case, you will get a notification and will no longer need to make payments. In some cases, you may even get a refund, depending on the program you applied under.

Do Student Loans Go Away After 7 Years? Typically after seven years, defaulted student loans are removed from your credit report, like all defaulted loans. 11 This primarily applies to private student loans. Note that this isn't a reason to not pay your student loans because you still owe the debt.

The bottom line. At the end of the day, debt forgiveness can provide some major financial relief for those struggling with debt, but it can also lead to pricey tax bills. You'll want to carefully consider all of your debt management options to make sure debt forgiveness is the right option for your financial situation.

The plan would forgive up to $10,000 in federal student debt for individuals making less than $125,000 a year and married couples making less than $250,000 a year. Additionally, the student loans of income-eligible individuals who received Pell grants would be reduced by up to $20,000.

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616 January 12, 2015