<prompt> Human: As the title states I have a family member who recently expressed they would like to pay off my loans. I have 35k in subsidized and unsubsidized student loans from the federal US government. This particular family member has a very high salary, as does their partner. They stated they want to take the burden off of my shoulders and that one day, if possible, I could repay them somehow. Is this a good idea to take them up on? Im not really sure how to go about paying back 35k to a family member, when I would only be able to give about 1k a year in cash. Im a teacher and I will never make much money. There is the option for the public service loan forgiveness program, but it requires I teach for 10 years straight and make income based payments for those 10 years. Also I cant miss a single payment or the ten years start over again. I hate teaching. I dont want to teach for ten years of my life and regret feeling imprisoned and upset with my life for ten years straight. I would still be getting interest piled on for ten years too. Basically I have a feeling I really should take up this family member and just offer to pay the full 35k back in 1k payments as I can. They didnt stress paying them back on a schedule but instead they expressed we want to do good things with all of our money for our family, just take care of us or our grand kids if you ever can. Is this a good idea to take them up on their offer?  <response>: Well, since you are a teacher, are you going to teach for 5 years, or have you done so? Because thats Teacher Loan Forgiveness and 17K if you teach in certain subjects and circumstances. Here see if you qualify. Additionally many states also offer some sort of teacher loan forgiveness, some as quickly as two years. 