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Currently, 45 million people are carrying student loan debt, adding up to about $1.7 trillion total. Many borrowers might feel like they’re drowning; some can’t imagine a future where all their debt is paid off.

Fortunately, there are some viable methods to have student loans forgiven so you’re no longer left with debt looming over your life. Read on to find out if you meet the criteria to have your student loans discharged.

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Income-Driven Repayment

When standard payment plans are set up for federal student loans, most of them are figured over the course of 10 years. However, if the monthly amount to pay back the student loan over 10 years is too great, you can apply for an income-driven repayment plan. These plans structure repayment over 20-25 years, and the most taken out of your monthly…

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