Public Service Loan Forgiveness Overhaul

What borrowers need to know about ​Public Service Loan Forgiveness 

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We are up to date on the latest legislation affecting Student Loan Debt

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Student loan debt can complicate retirement savings for older borrowers

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Current U.S. Student Loan Debt

Every student loan borrower brings their individual student loan story, questions, frustrations, short and loan term goals.  Carefully listening to each borrower, an individualized student loan assessment is created and discussed.  It’s our mission and responsibility to become your long-term student loan advocate, ensuring that you gain control over your student loan repayment.

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NewBeginnings creates individualized student loan repayment plans of attack.

See what this couple has to say about New Beginnings!

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Teacher gets assistance with Student Loan Forgiveness Program

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I graduated from college in 2018 and was eager to begin my teaching career. However, with various public and private student loans, I felt lost knowing how to even begin the process of paying them off. I was even more overwhelmed when researching how to enroll in the student loan forgiveness program – a program intentionally created to be complex and difficult for borrowers to use. Being a first-year teacher was going to be challenging enough without the additional stress that came with loan repayment. I wholeheartedly recommend her services to anyone needing assistance with loan repayment, especially those working in public service positions.

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$17,500 in Student Loans Forgiven for Teacher

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I literally spent years trying to figure out the process to apply for some kind of student loan relief. The paperwork is nearly impossible to complete according to the complicated standards and process that has been set. After being asked to redo paperwork repeatedly, being asked to double cross my T's and dot my I's again, having timelines run out, and having to start the process all over again… I found Carey!  After a phone conversation and a quick e-mail, Carey got to work for me and my $35,000 in student loans. She did all the work for me, while updating me with quick emails and phone calls throughout the process to keep me informed. I was able to let go completely of this huge burden and focus on my full-time teaching job and my family while Carey worked countless hours, with loyal persistence, and got more than half ($17,500) of my student loans completely forgiven!"  Meghan Slick, Midway Elementary

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Couple allowed to Buy First Home. Student Loans handled!

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My husband and I were introduced to NewBeginnings by a mutual friend who had noticed how hard we were trying to buying our first home and how worried we were about my husband’s student loans holding us back. With both of us working over 40 hours a week we didn’t have time to figure out where to start or what the first step would be to get his loans under control. After years of trying to manage 6 different student loans, Carey worked diligently to get him back on track and in good standing. The best part is that Carey will work with you until the end to make sure that everything gets done the way it should. Even when you think you are done with the process things can change. The best part is that my husband and I were just approved to buy our first home! Fred and Lisa McNeill

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This could be you!

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We are prepared to work hard on your behalf.
We want to make your student loans easy to pay off!
We want to take this stressful thing off your plate, so you can focus on your career and family!

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​My Life Changing Story with New Beginnings

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I can say that I am extremely blessed and was lucky enough to finish my undergraduate degree with zero debt. Soon after graduation I decided to attend graduate school where I received my Masters in Teaching Degree and almost $50,000 in student loans. Luckily, I was hired right away but soon found as a first-year teacher that my paychecks were barely able to pay my rent, bills, living expenses and my student loans. Each month I was paying the interest and bare minimum on these loans because it was all I could afford. Each month I dreaded opening my mail where I would read my student loan projection pay off. At the rate I was going and with interest I was going to be near retirement age! A couple years later I was introduced to New Beginnings where I met Carey and I instantly fell in love with her! She too had once been a teacher and in the same boat and really felt for me.
Mandy Bryant, Hamblen Elementary

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My Life Changing Story with New Beginnings

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Carey investigated my loans and found that I qualified for Public
Service Loan Forgiveness which meant that I would pay a small portion
for ten years and after that the rest of my loans would be FORGIVEN! I
kept telling her that it sounded too good to be true and did not
understand why I had not heard of this from other student loan
companies. Well, it was true and that was the day that Carey completely changed my life and my financial future and outlook on life! I am happy to report that I am now married and a homeowner and have about six years  left on my loan before the rest is forgiven! I would highly recommend New Beginnings for anyone who is struggling with loans, it truly changed  my life and I know it could do the same for you!
Mandy Bryant, Hamblen Elementary

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Our Partners

​Learn about Teacher Loan Forgiveness and Public Service Loans