New Programs Added Weekly To Advanced Search | Through Dec. 31th
Where Did It Start?
SMARTER Debt Act
Introduced 2023:
Bill Gone Nowhere
Zero Progress
Tedious Programs
“I couldn’t afford $800 a month payments. What was I supposed to do.. Thankfully I got into the program”
UCLA Grad
Los Angeles, CA
Student Debt Relief
The Bill Would Have:
Simplified Debt Relief
Created A Dashboard
Always Up-To-Date
“So far repaid $23,000!! I have 19K left to go as a 30 years old teacher in Washington State”
UW Grad
Seattle, WA
NextGen SMARTER+
Does This & More:
Federal Programs
State Programs
$6-200k+ Relief
“I could not be a teacher legally without a degree. My jobs salary makes it hard to pay for that state requirement”
MSU Grad
Mankato, MN
Get All Access And
Search & filter by:
Location
Field/Industry
Type
“I’ve been paying on my loans since I graduated in 2018. I worked for the State almost 6 years… their program helped”
BCC Grad
Lincroft, NJ
FAQs
Frequently asked questions
What is SMARTER Plus?
SMARTER+ is an online database of all student loan forgiveness programs, repayment programs, and repayment plans. Both at a federal and state level.
What inspired SMARTER Plus?
On December 14, 2023, Senator Manchin (for himself and Mr. Braun) introduced the following bill; which was read twice and referred to the Committee on Health, Education, Labor, and Pensions.
The Act was cited as the “Streamlining More Accessible, Reliable and Transparent Educational Resources for Debt Act” or the “SMARTER Debt Act”.
As of August 2024, the bill has gone nowhere.
This resource was directly created to help anyone with student loans who wants the burden lifted but doesn’t know where to start.
Is SMARTER+ free?
SMARTER+ Basic search is free for public use. Advanced search is included in our ‘All Access’ plan and unlocks more filtering options, the complete selection of 150+ federal and state level programs.
Are state debt relief programs included?
Yes, SMARTER+ lets you search and filter through programs in 43 states.
States included: Alabama, Alaska, Arizona, California, Colorado, Washington D.C., Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Louisiana, Maine, Maryland, Massachusetts, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Wisconsin, and Wyoming.
This is on top of the several dozen federal programs, that are often hidden from the public.
How much debt can I eliminate?
SMARTER+ has programs that repay or forgive anywhere from $6,000 to $200,000 or more of student loans.
Eliminate Your Student Loans
Unlock 150+ federal and state-level student loan relief programs with one easy-to-use interactive dashboard.
