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If you have newer loans you might be eligible for the Pay As You Earn (PAYE) repayment program that offers even lower monthly payments than the IBR program.
Even more options
In addition to IBR and PAYE, there are Income-Contingent Repayment and Graduated Repayment. While all of these plans have many things in common, they do have different eligibility requirements and provide different levels of debt relief.
Finding the best program
As you have read there are a number of ways to deal with student loan debts, plus others such as loan deferment and cancellation that we haven’t covered. Fortunately, there is a simpler way to determine which of these programs would be best for you. The company National Debt Relief recently introduced a consulting program where it will match your situation to the best student debt elimination program given your financial situation. In addition, National Debt Relief will do all the paperwork required to get you into that new program. There is just a flat, one-time fee for this service, which is deposited into an escrow account. National Debt Relief will not withdraw its fee from this account until you have approved both your paperwork and its recommended student debt relief program. If you don’t like the program National Debt Relief recommended or are unsatisfied with your paperwork, your money will be returned and you will pay nothing.