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Would-be teachers agree to provide service at high-need schools, usually serving low-income families, to qualify for education grants. Graduates who successfully satisfy their end of the deal are released from further obligation. For education and teaching majors, programs like these equate to free higher education, so they should be aggressively pursued — under the right circumstances. Grants that are not validated by service are immediately converted to student loans that require repayment — including interest. Many employers invest in the future workforce by supporting education.

Tuition loans and reimbursement programs originate from employers committed to your future, so consult your human resources department to see if your company offers an earn-as-you-go college education. Always tackle financial aid issues head-on, to avoid late payments and defaults. Consolidate Your Loans If you struggle with loan payments, there is a federally-backed program in place to get you back on track. College students and graduates with more than one federal loan are eligible for consolidation plans that provide affordable payment alternatives.

Single Parent Student Loan Programs

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Deferments and grace periods are built-in, so students have a window in which to secure employment before repayment begins. I cannot afford to pay my student loans after trying to work two and three jobs just to take care of my children. I don't have anyone to help me. The payments are high, even with the income based repayment plan.

Do you have any recommendations or do they have any debt forgiveness options that I am not seeing? Would bankruptcy be an option? Dear Jaye, While I might not Single parent school loans a magic wand but I can offer some advice that should help to lessen your load a bit. Since you are struggling Single parent school loans working multiple jobs to make ends meet, I would suggest visiting Benefits. While working multiple jobs is an admirable demonstration of your commitment to work, I would love to be able to see you find some balance to have an opportunity to devote more time with your kids since you said you are trying to struggle through on your own. They need you too.

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