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At least at this point the best answer to federal student loan debts is to buckle down and repay them. If you're on the 10-Year Standard Repayment program and are having a tough time making your monthly payments, you could switch to another repayment program. One of the most popular of these is Graduated Repayment where your payments start low but then gradually increase every two years. This can be an excellent option if you're just starting out in your career. There are also three different types of income-driven repayment programs where your monthly payments would be based on your income. If you were to qualify for one of them – Pay As You Earn – your monthly payments would be capped at just 10% of your discretionary income and you could earn forgiveness after 10 years.
Check out your options
What this means is that you need to check out your other options to see if there isn’t another repayment program that would be better for you given your circumstances. The government site https://studentaid.ed.gov/" target="_blank"s has good information about the various repayment programs and how to know if you would be eligible for one or more of them.