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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.
The prospect of your student debt evaporating may seem like a dream come true.
Using student loans to pay for could cost you a whole lot more.
That is a sizeable, unwelcome gift to take home from school and it’s important to know how to minimize the damage.
The good news is that federal loans carry a six-month grace period so there is time to develop a plan for dealing with them.
It is not unusual to owe money to 8-10 separate lenders, maybe more if you had a combination of private and federal loans.
If you continue borrowing for graduate school, it’s easy to add another 4-6 lenders to the mix.
It's likely that amount is spread out over several loans as students often take out new loans each semester or school year.
When you start repaying those loans, tracking multiple lenders and payments each month might be a pain, but you can simplify things by consolidating or refinancing your student loans into one new loan.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.However, there is a possibility that they could include a school using illegal recruiting tactics – for example, guaranteeing the student a well-paid career. Department of Education promised debt relief to students of the bankrupt for-profit Corinthian Colleges schools (click here for more information on how to apply).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.The decision whether you should consolidate your loans is complicated.Tags: Adult Dating, affair dating, sex dating