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Deal with Your Debt: The Right Way to Manage Your Bill$ and Pay Off What You Owe by Liz Pulliam Weston

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What if It's Already Too Late?

If you've already graduated with a pile of debt, don't despair. You may have more options than you think.

Explore loan forgiveness. A variety of state, federal, and private programs either erase student indebtedness or offer subsides to help pay it off. Typically, you need to volunteer, perform military service, or teach or practice medicine in underserved areas.

Those who serve in the Army National Guard, for example, can receive up to $10,000 to pay off their education debts, while service in the regular Armed Forces can lead to cancellation of up to 50% of your federal Perkins and Stafford loans. Full-time teachers in low-income areas or who teach in fields like math or science where there's a teacher shortage ...

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