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The best Student Loan Relief company in Oregon for 2026 is MOHELA, rated 4.6 with fees of Free (federal servicer) and a resolution timeline of Varies by program. Other top-rated options include Student Loan Planner (rated 4.8) and Ameritech Financial (rated 4.5).
- Top Pick
- MOHELA
- Rating
- 4.6
- Avg. Fees
- Free (federal servicer)
Last updated
Key Takeaways: Business Debt Settlement in Oregon
MOHELA is our #1 pick for Oregon student loan relief — all federal programs are completely free.
University of Oregon and OHSU are major PSLF-qualifying employers in Oregon.
The SAVE plan caps undergraduate payments at 5% of discretionary income — a significant benefit for Oregon borrowers.
Oregon's Student Loan Ombudsman (part of the Division of Financial Regulation) provides free assistance to borrowers.
Oregon State University provides additional PSLF-eligible employment opportunities in Oregon.
Oregon's student loan borrowers carry debt shaped by University of Oregon, Oregon State University, Portland State, and Oregon Health & Science University (OHSU). Portland's high cost of living relative to wages creates pressure on borrowers, making SAVE and PSLF essential tools.
We spent over 100 hours evaluating student loan relief services for Oregon borrowers. MOHELA emerged as our #1 pick as the official federal servicer providing free access to all programs.
1
Rank 1: MOHELA
4.6
Visit MOHELA
Rank 1: MOHELA
- Min. Debt
- No minimum
- Avg. Fees
- Free (federal servicer)
- Timeline
- Varies by program
MOHELA is our #1 ranked resource for Oregon borrowers in 2026. University of Oregon, OHSU, Oregon's public school districts, state government agencies, and Oregon State University all qualify for PSLF. MOHELA handles IDR enrollment, PSLF certification, and forgiveness processing at zero cost.
2
Rank 2: Student Loan Planner
4.8
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Rank 2: Student Loan Planner
- Min. Debt
- $50,000
- Avg. Fees
- $499-$699 per consultation
- Timeline
- Ongoing advisory
Student Loan Planner earns our #2 spot with expert advisory for high-balance Oregon borrowers from University of Oregon and other professional programs. Their $499-$699 consultations optimize PSLF vs. repayment strategies.
3
Rank 3: Ameritech Financial
4.5
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Rank 3: Ameritech Financial
- Min. Debt
- $10,000
- Avg. Fees
- $49-$99/month
- Timeline
- 10-25 years (IDR plans)
Ameritech Financial rounds out our top 3 with hands-on document management for $49-$99/month. Convenient for busy Oregon professionals, though services are available free through MOHELA.
Oregon Provider Ratings
Oregon Business Debt Settlement Compared
- Min. Debt
- No minimum
- Avg. Fees
- Free (federal servicer)
- Timeline
- Varies by program
- Min. Debt
- $50,000
- Avg. Fees
- $499-$699 per consultation
- Timeline
- Ongoing advisory
- Min. Debt
- $10,000
- Avg. Fees
- $49-$99/month
- Timeline
- 10-25 years (IDR plans)
Our editorial team spent over 100 hours evaluating student loan relief services for Oregon borrowers.
Our Methodology
Program Effectiveness
Fee Transparency
Client Reviews
Student Loan Expertise
Evaluation Weight Distribution
Economic Snapshot
Source: Federal Reserve Economic Data (FRED). Indicators refresh daily.
Federal Programs for Oregon Borrowers
Oregon borrowers have access to all federal programs at no cost. IDR plans include SAVE (5-10% of discretionary income), PAYE, IBR, and ICR. PSLF provides tax-free forgiveness after 120 qualifying payments. Oregon's Student Loan Ombudsman (part of the Division of Financial Regulation) provides free assistance to borrowers.
Alternatives to Paid Services
- StudentAid.gov: Free IDR enrollment, PSLF application, consolidation, and repayment tracking for all Oregon borrowers.
- University Financial Aid Offices: University of Oregon and other Oregon schools offer free loan counseling for alumni.
- Oregon Legal Aid: Free legal assistance for qualifying Oregon residents facing student loan default or collection issues.
- Refinancing: Oregon borrowers with high incomes and no PSLF path may benefit from refinancing. Never refinance if PSLF applies.
Avoiding Scams in Oregon
Never pay for free federal services. Report scams to the Oregon Attorney General, FTC (ftc.gov/complaint), and CFPB (consumerfinance.gov/complaint). All federal programs are available for free at StudentAid.gov.
PSLF Opportunities in Oregon
Oregon's Student Loan Landscape
University of Oregon, Oregon State University, Portland State, and Oregon Health & Science University (OHSU) produce the majority of Oregon's student loan borrowers. OHSU is Oregon's largest employer and a major PSLF-qualifying institution. The state's progressive policies support student borrowers with an ombudsman office.
Student Loan Relief in Oregon: The Complete 2026 Guide
Oregon's student loan landscape is shaped by its university system, employment opportunities, and cost of living. Understanding available programs is essential for Oregon borrowers.
CFPB Complaint Tracker
Source: CFPB Consumer Complaint Database. All financial complaints filed from OR in the past 12 months.
Frequently Asked Questions
More Business Debt Settlement Guides Near Oregon
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Oregon Attorney General
Attorney General Dan Rayfield alongside a now bipartisan coalition of 12 other attorneys general today filed an amended complaint against Nexstar Media Group, Inc. (Nexstar) and Tegna Inc. (Tegna) in the ongoing challenge of the broadcast giants’ merger. Last month, a state coalition filed a lawsuit challenging the merger of Nexstar and Tegna, and shortly after, the court granted a preliminary injunction halting the merger while litigation in this case proceeds. The $6.2 billion deal is expected to create the largest broadcast station group in the United States, putting more broadcast programming in the hands of fewer people, cutting local jobs, increasing cable bills, and significantly impacting the delivery of news and other media content to Americans nationwide.
· Apr 30, 2026The Oregon Department of Justice Internet Crimes Against Children (ICAC) Task Force and the Polk County District Attorney’s Office today announced the arrest of an Independence man on child sexual abuse material charges following a joint investigation. Two additional indictments in separate ICAC cases were also obtained by the Polk County Grand Jury. “Protecting children from exploitation is one of the most important things we can do,” said Attorney General Dan Rayfield. “These cases are a reminder that this threat is everywhere – in every community, on everyday apps and platforms. I’m proud of the ICAC team’s work and for the partnership with DA Felton and local law enforcement in Polk County.
· Apr 30, 2026Oregon to receive almost $66 Million, funds to be distributed over 15 years Attorney General Dan Rayfield today announced that a $7.4 billion settlement reached with Purdue Pharma and its owners, the Sackler family, has become legally effective, capping nearly a decade of work by attorneys general from across the country in pursuing investigations and litigation over Purdue’s and the Sacklers’ role in fueling the opioid crisis. The attorneys general launched a multistate investigation of Purdue in 2016. “The Sacklers made billions from Purdue’s flooding communities with opioids and spent years trying to walk away from the damage they caused,” said Attorney General Rayfield.
· Apr 30, 2026About the Author
Emily Nguyen · Senior Student Loan Editor
Emily Nguyen is a Certified Financial Planner (CFP®) and senior student loan editor at Zogby with 9 years of experience covering federal student loan programs, IDR plan optimization, PSLF, and private student loan refinancing. She graduated from the University of Pennsylvania and has been published in Forbes, MarketWatch, and Student Loan Hero.
CFP® Certified, 9+ Years Experience, University of Pennsylvania
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Important Student Loan Relief Disclaimers
- Most federal student loan repayment plans, forgiveness programs, and consolidation options are available for FREE directly through your federal loan servicer and at StudentAid.gov. You never need to pay a third-party company to enroll in an income-driven repayment plan or apply for Public Service Loan Forgiveness.
- No company can guarantee student loan forgiveness. Forgiveness eligibility depends on meeting specific program requirements including qualifying employment, payment counts, loan types, and repayment plan enrollment. Program rules can change through legislation or regulation.
- Income-driven repayment (IDR) plans can significantly reduce monthly payments but may increase the total amount paid over the life of the loan due to extended repayment periods and interest capitalization. After 20-25 years on IDR, remaining balances may be forgiven but the forgiven amount could be treated as taxable income (though a temporary tax exemption applies through 2025).
- Private student loans are NOT eligible for federal repayment plans, income-driven repayment, Public Service Loan Forgiveness, or other federal forgiveness programs. Relief options for private loans are limited to refinancing, negotiation with the lender, or in some cases, settlement or bankruptcy.
- Student loan refinancing replaces federal loans with a private loan, which permanently eliminates access to federal protections including IDR plans, PSLF, deferment, forbearance, and any future federal forgiveness programs. Refinancing should be carefully evaluated.
- Student loan relief companies that charge upfront fees before providing services, guarantee specific outcomes, or pressure you to act immediately are red flags. The FTC and CFPB have taken enforcement action against numerous student loan relief scams.
- Zogby does not provide student loan services. We are an independent comparison service that connects borrowers with student loan relief resources. We may receive compensation from featured services, which may influence rankings and placement.
The information provided on this page is for general informational and educational purposes only. It is not intended as financial or legal advice. You should consult with a qualified financial advisor or student loan specialist before making decisions about your student loan repayment strategy.
Editorial Independence
We make money from some companies on this page. That doesn't change our rankings -- the editorial team scores every product independently, and the business side has no say in what we recommend.