<prompt> Human: Ive been out of college for 8 years and left with about 90k in student debt. 8 months ago my earnings went up successfully, so Ive been able to make triple payments each month and am down to below 75k. This has been great. It would be even greater if I could get any of the loans forgiven. I dont have a good reason for why I should be forgiven, other than if I could do it over again, I would have gone to community college for the first couple years of school to save money. Any ideas ?  <response>: Your two main choices are going to be 1 an income based repayment plan that is forgiven after 20-25 years the amount forgiven is taxable or 2 the public service loan forgiveness program amount forgiven is not taxable. The first option requires you make little enough money to qualify and the second requires that you work for a specific kind of institution to qualify. You can find info about all this online. 