<prompt> Human: I hope someone on here can answer this - Ive researched online but have yet to find a conclusive answer. Is there a time frame after getting a student loan 10,20,30 years? that allows you to wipe away the balance at that point? I heard that there is, but I cant seem to figure out how to enact it for myself. Is it only federal? Is there a set amount? Does it impact credit? I heard it can be considered income - is that the entire loan or just what was wiped away at the end?Any clarity would be great - thanks  <response>: until you pay it off 