Pursuing student loan forgiveness entails a decade of meticulously recorded payments, hours on hold with your servicer and infinite patience. Success, however, arrives without much fanfare. Public defender Shelly Tomtschik was in court when she got the email notifying her that the quest was over: “Congratulations! After final review of your Public Service Loan Forgiveness … Continued

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Bernadette Joy and AJ Maulion How much: $309,800 in 3 years Bernadette Joy Maulion, 34, went to business school part time after a career in human resources, hoping to start a new chapter in her professional life. School wasn’t cheap, and she took out $72,000 in student loans. She and husband AJ, 37, had a $57,000 … Continued

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Tammy Trevino wasn’t sure whether to borrow a federal student loan or a private student loan for her daughter’s education. Then she learned federal loans come with an origination fee that private loans typically don’t. “I was surprised,” says Trevino, 52, from Victoria, Texas. “My assumption was [federal loans] would be the best, easiest option … Continued

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