 TITLE: What Is Student Loan Forgiveness and How Do I Qualify? CONTENT: How to Get Help With Your Student Loans\n---------------------------------------\nUnfortunately, student loan forgiveness programs aren't available for everyone, and even if they are, they aren't always the right fit. Fortunately, there are some other ways to get help with student loans if you're struggling:\n*   **Deferment and forbearance**: Both federal and private loans are eligible for deferment and forbearance, though terms can vary by lender for private loan borrowers. You typically need to show evidence of financial hardship to get approved, but if you do, your lender or servicer will pause your payments for a period as you get back on your feet.\n*   **Change your repayment plan**: Even if you never reach 20 or 25 years—your payments are recalculated based on income and other factors every year—an income-driven repayment plan can still make your payments more affordable when you need it right now. There are also other repayment plans for federal borrowers that can reduce your monthly payments, so consider all of your options.\n*   **Refinance your student loans**: Student loan refinancing is the process of replacing one or more existing student loans with a new one through a private lender. If your income and credit are in great shape, you may be able to get a lower interest rate than what you're paying now. You may also have the option to extend your repayment term. Both actions could help reduce your monthly payments.\n*   **Student loan repayment assistance programs**: Many states and federal agencies offer loan repayment assistance programs. These programs don't count as forgiveness because they're not coming from the Department of Education. But if you're a service member, teacher, health care professional or in the legal field, research your options. Also, some private employers also offer student loan repayment assistance as an employee benefit. Check with your employer to see if it's an option now or in the future. END