Hope

In light of the Supreme Court decision, some hope. I was on both the IDR and PSLF programmes (you have to be on an income-driven plan before or at least while you're in the Public Service Loan Forgiveness programme]. I was on the IDR programmes for most of my adult life, being underemployed as I have always been [as I librarian I was always part-time and had to get 1-2 additional jobs to make ends meet, and my current job, while I love it, only requires a high school education and I have bachelor's and master's degrees, but the master's was in a field difficult to get a job in within my area, something I did not know when I took out the loans, and I had obligations to stay here.] I was able to get my loans forgiven under the expanded PLSF requirements during the pandemic due to my work in non-profits. I would urge you to see if you qualify for either of these plans or the Teacher Forgiveness one. IDR has fewer qualifications but takes decades. PSLF is back to normal in terms of qualifications, but they've taken a lot of steps to 'fix' it as an NPR article a few years ago exposed it as a sham at the time (people were paying for years without their payments being counted, for example, with very few loans forgiven--that has been rectified, and it's part of the reason the programme was temporarily expanded.} Anyway, even with the decision by the Court, there is hope.

3 ways federal student loan borrowers can have their debt forgiven—without the Supreme Court