re: Consolidating Student Loans

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She will be looking for a teaching job near Port Arthur which is pretty low income, so we may explore programs for loan forgiveness.

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Definitely look into the public interest jobs loan forgiveness program, as well as the teachers' loan forgiveness programs. The public interest program covers a broad spectrum of jobs, gov't & nonprofit, while the teachers' program is a little more narrow.

Teachers' Loan Forgiveness & Cancellation: LINK

Public Service Loan Forgiveness: LINK

It's a damn shame that both programs aren't promoted heavily by schools/colleges. Practically every week, I encounter someone who could benefit from these programs and knows nothing about them.