<prompt> Human: Specifically, student debt without major windfalls? I hate the fact that you cant incorporate student debt as a part of personal bankruptcy. Im in the US.  <response>: They earned enough money to pay the debt back, probably while also minimizing their expenses. A second option is to pursue loan forgiveness if any of the debt is federal student loans. Borrowers on income-driven plans can have their loans forgiven after 10 years if they meet the requirements for Public Service Loan Forgiveness or 20-25 years depending on the type of loan they have and payment plan they are on. 