MISSION LIFE INTERNATIONAL INC AND THE PUBLIC SERVICE LOAN FORGIVENESS PROGRAM
Exciting news.We are excited to announce that Mission Life International, Inc is “Public Service Loan Forgiveness” program compliant. Mission Life International, Inc is the fastest growing chiropractic non-profit organization in the world. According to the Department of Education, you can have your federal student loan forgiven, canceled, or discharged! We can help you qualify for one of these programs. You will no longer be required to repay your complete loan and interest. These amazing programs have qualification requirements and not everyone can take advantage of this program. We can show you how you can qualify.
Own Your Future Now
Mission Life International, Inc has set out to change the world by bringing chiropractic to the underserved and to those who are very poor. The dream is twofold: first, to bring health and well-being to the world by changing the way people view and manage their lives, and second, create a sustainable operations model that allows highly trained doctors of chiropractic to live out their purpose and passion.
Chiropractic: An Industry in Transition
The number of chiropractic doctors that leave the profession simply because they cannot afford to remain in it is, frankly, frightening. Comparing the investment of education alone that chiropractors have to make to the average chiropractic salaries paints a fairly depressing picture. The student loans are astronomical. Mission Life International, Inc has vowed to do something on a global scale to support and grow chiropractic. Did you know that if you are employed by a chapter of Mission Life International, Inc you will be able to receive loan forgiveness under the Public Service Loan Forgiveness Program?
Join a Growth-Focused, Mission-Driven Community
You chose a chiropractic career for a reason, and it’s about more than just relieving pain. You want to change lives, improve futures, and help people unlock total wellness in important new ways. The realities of your business, however, do not always make it easy to build a successful, sustainable practice that aligns with your vision and values.
This is what Mission Life International, Inc is all about. We bring the experience and expertise of the smartest, most successful providers in the field. You are supported by expert coaches who share insights and best practices to get you to that next level.
• Student Programs designed to help students graduate ready to tackle the challenges of building a business and a mission.
• Partnership Development Programsthat help train existing doctors on the Mission Life International Living approach to chiropractic.
• Mission Life International, Incgive doctors an opportunity to chapter with Mission Life International, Inc and operate your own Mission Life International, Inc offices in your communities.
• Combine this commitment with deep expertise and a robust ecosystem of resources designed for education, engagement, and advocacy, and the Mission Life International, Inc advantage means big benefits for you.
• Manage your non-profit office through a team, so you are involved in a higher purpose and not a job.
• Reduce the stress on you and your team.
• Collaborate with like-minded doctors and partners.
• Ignite and fuel your passion for total wellness.
• Transform the way healthcare is understood and delivered.
A Vision-Driven Community Student Programs. Imagine building a career that exceeded all your expectations: A life spent healing and transforming lives, a non-profit business built on the very best in business and science, a community created around a shared vision of success. With our student programs, this cooperation and collaboration starts when prospective doctors are still in school, helping students answer important questions about their education and future.
• How can I find my purpose and passion as a chiropractor?
• What skills do I need to acquire to bring people to health and keep them there?
• How can I afford to open and grow a non-profit business?
• How can I manage all the financial, workforce, and technical challenges of opening a new non-profit practice?
• How do I build and lead a strong team?
• The purpose of our program is to educate, inspire, and empower students to reach their full potential, answering all of the above questions and more. Through training, planning, certification, and mentorship from hundreds of doctors who have achieved the practices of their dreams, students will learn what it takes to run a successful and non-profit practice. The MLI, Inc Opportunity Today, we have 5 Mission Life International, Inc Health Centers and more on their way. MLI, Inc has a tremendous opportunity for doctors (and future doctors) like you to not only live the mission of Mission Life International, Inc but also to be a part of it. The Results As a result of our extensive support network, Mission Life International, Inc doctors experience incredible results in their non-profit clinics, far surpassing the industry averages. With every chapter, we add, the Mission Life International, Inc brand becomes synonymous with service, health and well-being, transforming more and more patient lives. Mission Life International, Inc training combines leadership development, patient education systems and cutting-edge adjusting and spinal correction into a single, cross-discipline approach. This breakthrough lifestyle design system can help your people find new health and wellness while making you a trusted health care provider to the community. We are seeking motivated chiropractors that are highly driven to change the world through eliminating as many vertebral subluxations as possible. The ideal candidate will be one who is looking for the experience of a lifetime and eager to give everyone they touch the experience of a lifetime which is chiropractic. If you are passionate about changing the world, join Mission Life International, Inc by opening a chapter in your area.
Mission Life International, Inc: Our purpose is to help the poor especially in those countries where resources are so terribly limited.
Mission Life International is a 501(C)(3) registered charitable organization in the USA. We are also a registered Nonprofit in the Dominican Republic and in Haiti. Mission Life International Foundation began our missions in 2002 in the Dominican Republic, Haiti, Trinidad, Tobago, Venezuela, Cuba and Tibet China. During Jan 2010, we were in Port Au Prince, Haiti on a mission trip. We returned to NY January 11, 2010. The very next day on January 12, 2010 Haiti was struck with the worst Earthquake in the last 200 years. Our team of 20 returned to Port Au Prince and started feeding and adjusting thousands. The International Lions club donated to us many tents and we took in hundreds of children. Mission Life International, Inc is born.
Mission Life International, Inc clothes, feeds and houses 29 children in Ouanaminthe, Haiti. Our education arm educates our 29 children at our Mission Life Orphanage and 39 children at Pastor Prospers school. We have purchased the land for Pastor Prosper who was about to lose his church and school. Mission Life International has brought computers, toiletries, school supplies, books and many other commodities on one of our 76 mission trips. We have built wells, installed water filtration systems and built desks and blackboards since the devastating earthquake of 2010. In January 2013, we moved our children into better housing with a security guard and employed a nun to help provide structure in their daily routine and assist in their daily activities. Mission Life International Foundation has brought approximately 2500 Doctors to Haiti since 2002.
The Primary Focus of Mission Life International, Inc:
Building new dormitories for our orphans our future orphans and our missionaries. Presently we rent several houses. We have started the construction for dormitories for our children and our missionaries and for our schools. We are approximately $35,000 away from completion. We have started construction for a huge kitchen. The kitchen is already complete; however, we need $15,000 to complete two apartments above the kitchen. The kitchen will serve our American restaurant that we plan on opening in April 2017. This will provide jobs for our children, our 20 translators that we employ and for our security team. Our translators are presently working with UN officials to help rescue people from the latest storm; Hurricane Matthew. If you are passionate about making changes to our worlds health crisis, and you know by your actions that you can make a difference, why please donate to Mission Life International, Inc.
LOVE PROSPER FOR HAITI
One of our goals is to construct a new church for Pastor Prosper.
LOVE NOTES FOR HAITI
We opened a music school to give our orphans and hundreds of other impoverished children the blessing of playing music. We received cello’s, violins, guitars and many other musical instruments. Our children are now enrolled in music school.
Donate to www.missionlifeinternational.com
LOVES SHOES FOR HAITI
We have been so blessed and fortunate to receive thousands of shoes over the last three years during our “Love Shoes for Haiti” program. Now 50 % of the people in the community around our chiropractic orphanages in Haiti are wearing shoes.
LOVES BRICKS FOR HAITI
Donate a property and you will get a wing of the building named after you. Donate $1000 and you will get a room named after you.Donate $75 per brick to help us build the building.
What is qualifying employment?
Qualifying employment for the PSLF Program is not about the specific job that you do for your employer. Rather, it is about who your employer is. Employment with the following types of organizations qualifies for PSLF:
Government organizations at any level (federal, state, local, or tribal)
Not-for-profit organizations that are tax-exempt under Section 501(c)(3) of the Internal Revenue Code
Other types of not-for-profit organizations that provide certain types of qualifying public services
Serving in a full-time AmeriCorps or Peace Corps position also counts as qualifying employment for the PSLF Program.
The following types of employers do not qualify for PSLF:
Partisan political organizations
Non-profit organizations that are not tax-exempt under Section 501(c)(3) of the Internal Revenue Code and that do not provide a qualifying service
What is considered full-time employment?
For PSLF, you are generally considered to work full-time if you meet your employer’s definition of full-time or work at least 30 hours per week, whichever is greater.
If you are employed in more than one qualifying part-time job at the same time, you may meet the full-time employment requirement if you work a combined average of at least 30 hours per week with your employers.
For borrowers who are employed by not-for-profit organizations, time spent on religious instruction, worship services, or any form of proselytizing may not be counted toward meeting the full-time employment requirement.
Which types of federal student loans qualify for PSLF?
A qualifying loan for PSLF is any loan you received under the William D. Ford Federal Direct Loan (Direct Loan) Program.
You may have received loans under other federal student loan programs, such as the Federal Family Education Loan (FFEL) Program or the Federal Perkins Loan (Perkins Loan) Program. Loans from these programs do not qualify for PSLF, but they may become eligible if you consolidate them into a Direct Consolidation Loan. However, only qualifying payments that you make on the new Direct Consolidation Loan can be counted toward the 120 payments required for PSLF. Any payments you made on the FFEL Program loans or Perkins Loans before you consolidated them don’t count.
If you have both Direct Loans and other types of federal student loans that you want to consolidate to take advantage of PSLF, it’s important to understand that if you consolidate your existing Direct Loans with the other loans, you will lose credit for any qualifying PSLF payments you made on your Direct Loans before they were consolidated. In this situation, you may want to leave your existing Direct Loans out of the consolidation and consolidate only your other federal student loans.
If you don’t know which types of federal student loans you have, log in to My Federal Student Aid to get that information. Generally, if you see a loan type with “Direct” in the name on My Federal Student Aid, then it is a Direct Loan; otherwise, it is a loan made under another federal student loan program.
What is a qualifying monthly payment?
A qualifying monthly payment is a payment that you make
after October 1, 2007;
under a qualifying repayment plan;
for the full amount due as shown on your bill;
no later than 15 days after your due date; and
while you are employed full-time by a qualifying employer.
You can make qualifying monthly payments only during periods when you are required to make a payment. Therefore, you cannot make a qualifying monthly payment while your loans are in
an in-school status,
the grace period,
a forbearance, or
Your 120 qualifying monthly payments do not need to be consecutive.
If you make a monthly payment for more than the amount you are required to pay, you should keep in mind that you can receive credit for only one payment per month, no matter how much you pay. You can’t qualify for PSLF faster by making larger payments. However, if you do want to pay more than your required monthly payment amount, you should contact your servicer and ask that the extra amount not be applied to cover future payments. Otherwise, you may end up being paid ahead, and you can’t receive credit for a qualifying PSLF payment during a month when no payment is due.
There are special rules that allow borrowers who are AmeriCorps or Peace Corps volunteers to use their Segal Education Award or Peace Corps transition payment to make a single “lump sum” payment that may count for up to 12 qualifying PSLF payments.
The best way to ensure that you are making qualifying payments is to sign up for automatic debit with your loan servicer.
What is a qualifying repayment plan?
Qualifying repayment plans include all of the income-driven repayment plans (plans that base your monthly payment on your income) and the 10-year Standard Repayment Plan.
Even though the 10-year Standard Repayment Plan is a qualifying repayment plan for PSLF, you will not receive PSLF unless you make the majority of your 120 qualifying monthly payments under an income-driven repayment plan. If you are in repayment on the 10-year Standard Repayment Plan during the entire time you are working toward PSLF, you will have no remaining balance left to forgive after you have made 120 qualifying PSLF payments. Therefore, if you are seeking PSLF and are not already repaying under an income-driven repayment plan, you should change to an income-driven repayment plan as soon as possible.
Be sure to read about the pros and cons of income-driven repayment plans before deciding to repay your federal student loans using those plans.
How do I know I’m on the right track to receive PSLF?
Because you have to make 120 qualifying monthly payments, it will take at least 10 years for you to become eligible for PSLF. To help you determine if you are on the right track as early as possible, we have created an Employment Certification for Public Service Loan Forgiveness form (Employment Certification form) that you can submit periodically while you are working toward meeting the PSLF eligibility requirements. We will use the information you provide on the form to let you know if you are making qualifying PSLF payments.
Although you are not required to do so, we encourage you to submit the Employment Certification form annually or whenever you change jobs, so that we can help you track your progress toward meeting the PSLF eligibility requirements. If you do not periodically submit the form, then at the time you apply for forgiveness you will be required to submit an Employment Certification form for each employer where you worked while making the required 120 qualifying monthly payments.
If you would like us to track your progress as you work toward making the 120 qualifying monthly payments for PSLF, send the completed form, with your employer’s certification, to FedLoan Servicing (PHEAA), the U.S. Department of Education’s federal loan servicer for the PSLF Program.
We will take the following actions after we receive your Employment Certification form:
We will review your Employment Certification form to ensure that it is complete, and to determine whether your employment is qualifying employment for the PSLF Program.
We will notify you if the form you submitted is incomplete or if we cannot determine, based on the information provided on the form, whether your employment qualifies. We may ask you to provide additional information or documentation to help us determine whether you were employed by a qualifying public service organization.
If we determine that your employer is not an eligible public service organization, we will notify you that your employment does not qualify. If you believe there is additional information that would establish the eligibility of your employer, you will have the opportunity to provide that information.
If we determine that your employment qualifies, and if some or all of your federal student loans that are owned by the U.S. Department of Education are not already serviced by FedLoan Servicing (PHEAA), those loans will be transferred to FedLoan Servicing (PHEAA). You will then have a single federal loan servicer for all of your federally held loans. You will receive a notice if your loans are transferred.
If we determine that your employment qualifies, we will then review your payment history (including any payments you made to another federal loan servicer before your loans were transferred) to determine how many payments made during the period of employment certified on the Employment Certification form are qualifying monthly payments for PSLF. We will then inform you that your employment qualifies and notify you of the total number of qualifying payments you have made, and how many payments you must still make before you can qualify for PSLF.
Will I automatically receive PSLF after I’ve made 120 qualifying monthly payments?
No. After you make your 120th qualifying monthly payment, you will need to submit the PSLF application to receive loan forgiveness. The application is under development and will be available prior to October 2017, the date when the first borrowers will become eligible for PSLF. You must be working for a qualified public service organization at the time you submit the application for forgiveness and at the time the remaining balance on your loan is forgiven.
Note that loan amounts forgiven under the PSLF Program are not considered income by the Internal Revenue Service. Therefore, you will not have to pay federal income tax on the amount of your Direct Loans that is forgiven after you have made the 120 qualifying payments.
We look forward to working with you while you learn more about PSLF and work toward your goal of making 120 qualifying payments. If you have any more questions, look at the PSLF fact sheet and the PSLF Q&A document or contact your federal loan servicer. If you don’t know the loan servicer for your federal student loans, visit My Federal Student Aid.