<prompt> Human: I am a special education teacher teaching in lower-income school in the state of Minnesota. I have been teaching special education on the a variance for the past two years and am planning on taking graduate-level classes working towards my masters in special education while working on an extended variance for the next couple of years program ends 2019. I currently have around 35,000 in federal student loan debt along with around 5,000 in personal loan debt in regards to education. In addition, my father has 5,000 in Parent Plus loans for my education. The masters program that I am currently looking towards enrolling in will cost me around 14,000 by the end of it. I have been making loan payments based on income based repayment since graduating in December 2014.I am currently in a slight Panic of trying to figure out loan forgiveness programs that I would qualify for and how to successfully use them. The problem Im running into is that every organisation that I try to work with seems like its more of a sales pitch than actually getting my student loans forgiven.I feel like a complete idiot when it comes to all of these Financial issues, and optimistically would like to just find someone who I could pay a small amount and would take all of my loan information, tax information, etcetera and figure out for me what would be the best program to get me signed up for and get me started on that.Does anybody here have any kind of experience with these types of programs or companies and would have any recommendations? I feel like at this point Im drowning in loan debt, and am only sinking myself further by going back to school.E1: Currently taking home 1,100 every other week on salary. Salary is currently 37,000 pretax and all that. Would be making 47,000 by 2019 when program concludes.Fed loan balance currently at 32,000 on good standing. Interest rates range from 3.1 to 6.5. Credit score of 780, if that helps?Any help is great appreciated, thanks.  <response>: You are probably doing fine. Most of this can be done by the average person.Your main choices are likely - Teacher Loan Forgiveness - Working in a designated low income school and working in special ed will generally qualify you for 17K or so of federal Teacher Loan Forgiveness over 5 years, although your school must be on the official list of eligible schools. Read about that here If your loans are Perkins loans, they can be cancelled by being a special ed teacher. That info is also at that page. This is not a sure thing, but if your graduate school is known to be friendly to Perkins loan cancellation, then this is an avenue that might make sense for your future loans.MN has its own program for 1Kyear up to 5K read about that hereIf you can knock 23K off your estimated 50K or so in 5 years, you are going a long way.The rest of the student loans can either be aggressively paid down, or will likely qualify for Public Service Loan Forgiveness if you stay in teaching for 10 years and you are already 2 years into qualifying for that.Also, look into scholarships and grants. There are TEACH grants that require you to work 4 years in the field, and there are likely scholarships and grants at your university.The personal loans worry me. If they are high interest rate loans, Id focus on whacking those down asap.tl;dr - its doable yourself without signing up for a service. If you need help, your financial aid office may be able to point you in the right direction. Also rstudentloans 