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But this statistic is misleading, because a lot of borrowers think this means qualifying for some type of student loan forgiveness program. Actually, most borrowers qualify for student loan forgiveness through one of these “secret” ways.The secret is simple: sign up for a qualifying student loan repayment plan, and your loan will be forgiven at the end of the plan. What's even better is that your income could be low enough to qualify for zero or minimal repayment, at which your loan will be forgiven at the end.And don’t forget — college graduates have greater job opportunities and still earn more money on average.Many people who have paid off their loans also mention the great psychological benefit of feeling like a huge weight has been lifted off their shoulders. ) In order to create an accurate repayment schedule, you need to understand your loans.
early to make sure you are considered for a Perkins Loan.Getting rid of your student loan debt also gives you a lot of freedom — the freedom to take a lower-paying job that you care about more, the freedom to travel, even the freedom to take on other “good” debts — like a mortgage for your first house.It’s also important to note that defaulting on your student loan can have serious consequences; in fact, not repaying student loan debt can be worse than not repaying other types of debt.Psyching yourself up about it sounds silly, but it can really help.
Remind yourself what you’re paying for — a college education. It helps open career doors, and it helps you grow as a person.
I know that personally, if I fantasize about getting a windfall of cash, the first thing I think about doing is paying off my student loans. Use a Repayment Calculator Plug the information about your loan into a repayment calculator like the one from Fin Aid.org, or use your loan servicer’s online account tools.