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Under certain circumstances, federally backed student loans – such as Direct Subsidized Loans and Federal Perkins Loans – can be discharged or forgiven.

With student loans soaring, debt-saddled students and graduates are desperate for any strategy that may help them escape their burden.

Refinancing your loans can lower your interest rate and your monthly payment.

Federal loan consolidation can lower your monthly payment if you extend your loan term, but stretching out payments over a longer time period without an interest rate reduction can increase overall repayment costs.

In reality, though, not that many people end up being eligible.

Requirements vary depending on the type of loan, but most offer forgiveness for those employed in certain public-service occupations.




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