MOHELA
4.6/5 Best Federal ServicerOur top-rated pick for reliability, customer service, and proven results.
Zogby is an independent, advertising-supported comparison service. We may receive compensation from the companies whose products appear on this site. This compensation may impact how, where, and in what order products appear. Zogby does not include every financial company or every product available in the marketplace.
Denver's rapid growth has transformed the Mile High City into one of the most desirable — and expensive — metros in the Mountain West. The University of Colorado system (CU Denver, CU Anschutz Medical Campus), University of Denver, MSU Denver, and Colorado Community Colleges produce thousands of borrowers. UCHealth, Denver Health, Children's Hospital Colorado, and SCL Health are major PSLF-qualifying healthcare employers. Denver Public Schools, the City and County of Denver, and the State of Colorado (headquartered in Denver) add extensive government PSLF eligibility. Colorado has no state income tax, which benefits all borrowers.
We spent over 100 hours evaluating student loan relief services for Denver borrowers. MOHELA emerged as our #1 pick.
The best Student Loan Relief company in Denver 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 Denver
CFPB Complaint Tracker
Source: CFPB Consumer Complaint Database. All financial complaints filed from CO in the past 12 months.
Our editorial team spent over 100 hours evaluating student loan relief services for Denver borrowers.
How We Ranked Denver Business Debt Settlement Companies
Program Effectiveness
We evaluated each service's track record of helping borrowers enroll in optimal repayment plans, achieve loan forgiveness, and reduce total repayment costs through IDR optimization, PSLF processing, and consolidation strategies.
Fee Transparency
We assessed whether services clearly disclose all fees, distinguish between free federal programs and paid services, and avoid misleading claims about debt elimination or guaranteed forgiveness outcomes.
Client Reviews
We analyzed verified client reviews, BBB ratings, CFPB complaint records, state attorney general filings, and overall borrower satisfaction scores across multiple independent platforms.
Student Loan Expertise
We verified each service's depth of knowledge in federal repayment plans (SAVE, PAYE, IBR, ICR), PSLF, Teacher Loan Forgiveness, IDR tax implications, private loan refinancing, and borrower defense claims.
Evaluation Weight Distribution
Student Loan Relief in Denver: The Complete 2026 Guide
Denver's combination of world-class healthcare, booming tech, and rapidly rising costs creates a student loan landscape requiring careful strategy.
Federal Programs for Denver Borrowers
Denver borrowers have access to all federal programs at no cost. IDR plans include SAVE, PAYE, IBR, and ICR. PSLF provides tax-free forgiveness after 120 payments. Colorado has no state income tax. The Colorado Attorney General handles consumer protection.
Denver's Student Loan Landscape
CU Anschutz Medical Campus is Denver's primary source of high-balance professional school debt, with medical, dental, nursing, pharmacy, and public health graduates. DU Sturm College of Law produces law graduates with $120,000-$180,000+. CU Denver and MSU Denver serve larger undergraduate populations. Denver's tech boom (Arrow Electronics, DISH, Ibotta, Guild Education) has created high-paying private-sector opportunities while DPS and state government provide the PSLF-eligible public sector.
Alternatives to Paid Services
- StudentAid.gov: Free IDR, PSLF, consolidation, and tracking.
- CU Financial Wellness: CU offers free alumni student loan counseling.
- Colorado LRAP: Colorado offers loan repayment assistance for healthcare workers in underserved areas and certain public service employees.
- Refinancing: Denver tech workers may benefit from refinancing. Never refinance if PSLF applies.
PSLF in Denver's Healthcare Sector
The SAVE Plan and Denver's Cost of Living
CU Medical and DU Law Debt
Denver Public Schools and Forgiveness
Denver's Tech Sector
State Government in Denver
Private Loans and Default Recovery
Colorado's State Loan Programs
Avoiding Scams in Denver
The Colorado Attorney General has pursued student loan scams. Denver borrowers should never pay for free federal services. Report scams to the CO AG, FTC, and CFPB.
Watch: How Debt Relief Works in Denver
Video coming soon
Economic Snapshot
Source: Federal Reserve Economic Data (FRED). Indicators refresh daily.
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 Denver borrowers in 2026. CU Anschutz Medical Campus, UCHealth (University of Colorado Hospital), Denver Health (city-owned), Children's Hospital Colorado, DPS, the City and County of Denver, and the State of Colorado all qualify for PSLF. MOHELA handles all processing at zero cost.
2
Rank 2: Student Loan Planner
4.8
Book a Consultation
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 advisory for CU medical, law, and DU law graduates carrying $100,000-$300,000+. Their $499-$699 consultations help Denver professionals navigate PSLF vs. refinancing in the city's competitive market.
3
Rank 3: Ameritech Financial
4.5
Get a Free Consultation
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 document management for $49-$99/month. Free through MOHELA but convenient for Denver's active professionals.
About Denver
Denver borrowers have access to all federal programs at no cost. IDR plans include SAVE, PAYE, IBR, and ICR. PSLF provides tax-free forgiveness after 120 payments. Colorado has no state income tax. Th…
Denver Provider Ratings
Denver 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)
Frequently Asked Questions
More Business Debt Settlement Guides Near Denver
About 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
Colorado Attorney General
April 22, 2026 (DENVER) — Attorney General Phil Weiser today announced a settlement with Lindsay Salas, a former nonprofit executive director, who fraudulently obtained nearly $100,000 by submitting false tuition invoices while soliciting charitable donations on behalf of her organization.
Colorado Attorney General · Apr 22, 2026April 14, 2026 (DENVER) – Attorney General Phil Weiser today announced an agreement in principle that would require the Albertsons grocery chain to pay more than $773.7 million to address its role in the opioid epidemic. Colorado will receive at
Colorado Attorney General · Apr 14, 2026Important 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.