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These payments must be made while you are working for a qualified employer – generally, a federal, state or local government organization or a nonprofit organization with tax-exempt status: In effect, you qualify after 10 years on the job and 10 years of payments.Potentially-eligible positions include those in nursing, government, police, fire and social work.Regardless of any alterations that may be on the horizon, Mark Kantrowitz, senior vice president and publisher of and author of "Filing the FAFSA," warns borrowers against betting their financial future on the hope of debt forgiveness, especially the kind that's tied to public service.For one thing, there's a rigid time limit: “Public service loan forgiveness occurs after 10 years of full-time service. The only catch is that the APR, interest, and finance fees are sky high so beware. I needed to add a different type of tradeline besides credit cards. Interest was sky high (27%) I paid the 2yr loan off a month early, never missing a payment . I am yet to see a better loan assisting company than Avant.. When i was going through some financial crisis during the life of my loan they were so understanding&worked with me..For a federal education loan to be discharged, there must be circumstances beyond the borrower’s control that prohibit repayment.Most loans can be discharged in the following situations: "Circumstances beyond the borrower's control" do not include things like having to drop out of college before graduation or inability to find a job after graduation.

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In order to get some debt forgiven under the public service program, you must first make 120 qualifying payments (meaning, paying the minimum amount due on time).

Keep in mind that only payments made on the combined loan count toward the 120-payment minimum; earlier payments made on the old loans don't get considered.

As with anything related to the federal government, the terms related to student loan forgiveness are subject to change.

Federal income-based repayment plans allow for some debt forgiveness after a minimum of 20 years (terms and conditions vary by program).

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Only direct loans made by the federal government (the William D. Was told via email we could re apply after one year of on time payments and we would receive a lower rate. I had very good customer service representatives and they responded quickly to my needs of a loan. They are very trustworthy and in my time of need they even decreased the interest rate. Thank you Avant for your business and believing in me!!! Going through what a lot of people are, buried in credit card debt with outrageous interest rates.

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