If the loan you’re looking to have forgiven isn’t part of the William D. Ford Direct Loans program you have the option of consolidating, which will make you eligible for several debt forgiveness programs, primarily the Public Service Loan Forgiveness Program (PSLF). However, if you are currently on an income-driven repayment plan such as PAYE or REPAYE any payments you made on your old loan will no longer count toward the payment requirement PSLF or many other programs.
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